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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 16% above the area median. Offers anchored to area median of £99,000. 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 | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| 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 | SJP Building Services - Builders Of Excellence In Every Job | 07855 259 927 | — |
| decorator | Parkinson Decorators | 07702 360597 | — |
| photographer | Key Photography Wigan - Photographed by Kieran Johnson | 01942 236398 | — |
Property Details
- Asking Price
- £115,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- 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 | £9,786 | £118,450 | £6,601 | £2,289 | £5,739 | 14.9% |
| Yr 3 | £10,282 | £125,664 | £6,958 | £7,399 | £18,063 | 46.8% |
| Yr 5 | £10,802 | £133,317 | £7,333 | £13,250 | £31,567 | 81.8% |
| Yr 10 | £12,222 | £154,550 | £8,355 | £31,367 | £70,918 | 183.7% |
| Yr 15 | £13,828 | £179,166 | £9,511 | £54,991 | £119,157 | 308.7% |
| Yr 20 | £15,645 | £207,703 | £10,820 | £84,845 | £177,548 | 460.0% |
| Yr 25 | £17,701 | £240,784 | £12,300 | £121,748 | £247,532 | 641.3% |
| Yr 30 | £20,027 | £279,135 | £13,975 | £166,626 | £330,761 | 856.9% |
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 | £694 | 7.2% | 4.3% | £-53 | -6.6% |
| Conservative | £759 | 7.9% | 5.2% | £99 | 3.7% |
| Base | £816 | 8.5% | 5.7% | £191 | 8.1% |
| Optimistic | £881 | 9.2% | 6.4% | £292 | 13.1% |
| Bull | £963 | 10.0% | 7.2% | £407 | 19.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.51% |
| Net Yield | ●5.74% |
| Net Annual Income | £6,605 |
| Deductions: void 8% (−£783) · mgmt 10% (−£979) · maint 10% (−£979) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £359 |
| Monthly Cashflow (IO) | ●£191 |
| Cash-on-Cash Return | ●5.94% |
| 5-Year IRR | ●8.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,750 |
| Section 24 Extra Tax/yr (higher rate) | £863 |
| SPV Annual Saving | £1,698 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £133,317 |
| Less: Purchase Price | −£115,000 |
| Less: Buying Costs (SDLT + legal) | −£8,350 |
| Less: Selling Costs (est. 2.5%) | −£3,333 |
| = CGT Net Gain (5yr) | £6,634 |
| CGT at 24% | £872 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £694 | 7.2% | 4.3% | £-53 | -6.6% |
| Conservative | £759 | 7.9% | 5.2% | £99 | 3.7% |
| Base | £816 | 8.5% | 5.7% | £191 | 8.1% |
| Optimistic | £881 | 9.2% | 6.4% | £292 | 13.1% |
| Bull | £963 | 10.0% | 7.2% | £407 | 19.4% |
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