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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 20% above the area median. Offers anchored to area median of £220,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| Total Estimated Refurb | £10,800 |
⚠ 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
- £265,000
- Property Type
- Terraced
- Bedrooms
- 4
- 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 | £23,850 | £272,950 | £16,727 | £6,790 | £14,740 | 17.0% |
| Yr 3 | £25,057 | £289,573 | £17,596 | £21,667 | £46,240 | 53.2% |
| Yr 5 | £26,326 | £307,208 | £18,510 | £38,349 | £80,557 | 92.8% |
| Yr 10 | £29,785 | £356,138 | £21,000 | £88,559 | £179,697 | 206.9% |
| Yr 15 | £33,699 | £412,861 | £23,819 | £152,190 | £300,051 | 345.5% |
| Yr 20 | £38,128 | £478,619 | £27,007 | £231,003 | £444,622 | 511.9% |
| Yr 25 | £43,138 | £554,851 | £30,614 | £326,995 | £616,846 | 710.2% |
| Yr 30 | £48,807 | £643,225 | £34,696 | £442,422 | £820,647 | 944.9% |
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 | £1,689 | 7.6% | 4.8% | £-16 | -4.0% |
| Conservative | £1,848 | 8.4% | 5.7% | £346 | 5.8% |
| Base | £1,987 | 9.0% | 6.3% | £565 | 10.1% |
| Optimistic | £2,146 | 9.7% | 7.0% | £806 | 15.1% |
| Bull | £2,345 | 10.6% | 7.9% | £1,082 | 21.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.0% |
| Net Yield | ●6.31% |
| Net Annual Income | £16,723 |
| Deductions: void 8% (−£1,908) · mgmt 10% (−£2,385) · maint 10% (−£2,385) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £826 |
| Monthly Cashflow (IO) | ●£568 |
| Cash-on-Cash Return | ●7.81% |
| 5-Year IRR | ●10.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,500 |
| SDLT Effective Rate | 6.23% |
| SDLT (Company) | £16,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,988 |
| SPV Annual Saving | £3,947 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £307,208 |
| Less: Purchase Price | −£265,000 |
| Less: Buying Costs (SDLT + legal) | −£19,100 |
| Less: Selling Costs (est. 2.5%) | −£7,680 |
| = CGT Net Gain (5yr) | £15,428 |
| CGT at 24% | £2,983 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,689 | 7.6% | 4.8% | £-16 | -4.0% |
| Conservative | £1,848 | 8.4% | 5.7% | £346 | 5.8% |
| Base | £1,987 | 9.0% | 6.3% | £565 | 10.1% |
| Optimistic | £2,146 | 9.7% | 7.0% | £806 | 15.1% |
| Bull | £2,345 | 10.6% | 7.9% | £1,082 | 21.3% |
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