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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 18% above the area median. Offers anchored to area median of £210,000. 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 | 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
- £249,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 700–800 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 | £17,571 | £257,448 | £12,206 | £2,833 | £10,332 | 12.7% |
| Yr 3 | £18,461 | £273,127 | £12,847 | £9,457 | £32,634 | 40.0% |
| Yr 5 | £19,396 | £289,761 | £13,520 | £17,410 | £57,220 | 70.1% |
| Yr 10 | £21,944 | £335,912 | £15,355 | £43,558 | £129,520 | 158.8% |
| Yr 15 | £24,828 | £389,414 | £17,431 | £79,593 | £219,057 | 268.5% |
| Yr 20 | £28,091 | £451,438 | £19,780 | £126,815 | £328,302 | 402.4% |
| Yr 25 | £31,782 | £523,340 | £22,438 | £186,693 | £460,083 | 563.9% |
| Yr 30 | £35,958 | £606,694 | £25,445 | £260,890 | £617,634 | 757.1% |
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 | £1,245 | 6.0% | 3.7% | £-243 | -9.2% |
| Conservative | £1,362 | 6.5% | 4.4% | £57 | 1.5% |
| Base | £1,465 | 7.0% | 4.9% | £237 | 6.1% |
| Optimistic | £1,582 | 7.6% | 5.4% | £431 | 11.3% |
| Bull | £1,729 | 8.3% | 6.1% | £652 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.03% |
| Net Yield | ●4.89% |
| Net Annual Income | £12,213 |
| Deductions: void 8% (−£1,406) · mgmt 10% (−£1,757) · maint 10% (−£1,757) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£238 |
| Cash-on-Cash Return | ●3.48% |
| 5-Year IRR | ●6.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,996 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £14,996 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £3,041 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,761 |
| Less: Purchase Price | −£249,950 |
| Less: Buying Costs (SDLT + legal) | −£17,596 |
| Less: Selling Costs (est. 2.5%) | −£7,244 |
| = CGT Net Gain (5yr) | £14,971 |
| CGT at 24% | £2,873 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,245 | 6.0% | 3.7% | £-243 | -9.2% |
| Conservative | £1,362 | 6.5% | 4.4% | £57 | 1.5% |
| Base | £1,465 | 7.0% | 4.9% | £237 | 6.1% |
| Optimistic | £1,582 | 7.6% | 5.4% | £431 | 11.3% |
| Bull | £1,729 | 8.3% | 6.1% | £652 | 17.9% |
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