🔒 Sign in to view the address — Wigan
Terraced · 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 | £1,600 |
| 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
- £110,000
- 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 | £9,790 | £113,300 | £6,604 | £2,479 | £5,779 | 15.6% |
| Yr 3 | £10,286 | £120,200 | £6,961 | £7,969 | £18,169 | 49.0% |
| Yr 5 | £10,806 | £127,520 | £7,336 | £14,201 | £31,721 | 85.5% |
| Yr 10 | £12,226 | £147,831 | £8,358 | £33,270 | £71,101 | 191.6% |
| Yr 15 | £13,833 | £171,376 | £9,515 | £57,849 | £119,225 | 321.4% |
| Yr 20 | £15,651 | £198,672 | £10,824 | £88,659 | £177,331 | 478.0% |
| Yr 25 | £17,707 | £230,316 | £12,304 | £126,521 | £246,837 | 665.3% |
| Yr 30 | £20,034 | £266,999 | £13,980 | £172,361 | £329,360 | 887.8% |
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
View all planning applications on your dashboard →
● 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 | 7.6% | 4.5% | £-33 | -5.7% |
| Conservative | £759 | 8.3% | 5.4% | £116 | 4.4% |
| Base | £816 | 8.9% | 6.0% | £207 | 8.7% |
| Optimistic | £881 | 9.6% | 6.7% | £306 | 13.6% |
| Bull | £963 | 10.5% | 7.6% | £420 | 19.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.9% |
| Net Yield | ●6.0% |
| Net Annual Income | £6,605 |
| Deductions: void 8% (−£783) · mgmt 10% (−£979) · maint 10% (−£979) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£207 |
| Cash-on-Cash Return | ●6.68% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,688 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £694 | 7.6% | 4.5% | £-33 | -5.7% |
| Conservative | £759 | 8.3% | 5.4% | £116 | 4.4% |
| Base | £816 | 8.9% | 6.0% | £207 | 8.7% |
| Optimistic | £881 | 9.6% | 6.7% | £306 | 13.6% |
| Bull | £963 | 10.5% | 7.6% | £420 | 19.9% |
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