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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,700 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Entrance Hall | £200 |
| Total Estimated Refurb | £4,500 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Builders in Manchester | Extensions, Roofing & Brickwork | 0161 506 8790 | — |
| decorator | Top Residential Decorators in Manchester | Ever Prime Painters I ... | 07359 772816 | — |
| photographer | Professional Photographer Manchester | +447400925109 | — |
Property Details
- Asking Price
- £230,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £16,813 | £236,900 | £11,660 | £3,035 | £9,935 | 13.2% |
| Yr 3 | £17,664 | £251,327 | £12,273 | £10,022 | £31,349 | 41.7% |
| Yr 5 | £18,558 | £266,633 | £12,917 | £18,280 | £54,913 | 73.0% |
| Yr 10 | £20,997 | £309,101 | £14,673 | £44,921 | £124,022 | 164.9% |
| Yr 15 | £23,756 | £358,333 | £16,660 | £81,022 | £209,355 | 278.4% |
| Yr 20 | £26,878 | £415,406 | £18,907 | £127,827 | £313,233 | 416.5% |
| Yr 25 | £30,410 | £481,569 | £21,450 | £186,742 | £438,311 | 582.9% |
| Yr 30 | £34,406 | £558,270 | £24,327 | £259,358 | £587,628 | 781.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
Planning Applications Nearby (within 0.5 miles)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
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● Approved ● Pending ● Refused
🌎 Area Profile — North West England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 6.2% | 3.8% | £-197 | -8.5% |
| Conservative | £1,304 | 6.8% | 4.6% | £85 | 2.0% |
| Base | £1,402 | 7.3% | 5.1% | £254 | 6.6% |
| Optimistic | £1,514 | 7.9% | 5.7% | £437 | 11.8% |
| Bull | £1,654 | 8.6% | 6.4% | £645 | 18.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.31% |
| Net Yield | ●5.07% |
| Net Annual Income | £11,668 |
| Deductions: void 8% (−£1,345) · mgmt 10% (−£1,681) · maint 10% (−£1,681) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£255 |
| Cash-on-Cash Return | ●4.05% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £2,898 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 6.2% | 3.8% | £-197 | -8.5% |
| Conservative | £1,304 | 6.8% | 4.6% | £85 | 2.0% |
| Base | £1,402 | 7.3% | 5.1% | £254 | 6.6% |
| Optimistic | £1,514 | 7.9% | 5.7% | £437 | 11.8% |
| Bull | £1,654 | 8.6% | 6.4% | £645 | 18.4% |
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