🔒 Sign in to view the address — Clayton
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 22% above the area median. Offers anchored to area median of £155,000. 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 | £1,700 |
| Bedroom 2 | £1,700 |
| 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
- £190,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £14,516 | £195,700 | £10,007 | £2,882 | £8,582 | 13.8% |
| Yr 3 | £15,251 | £207,618 | £10,536 | £9,435 | £27,053 | 43.4% |
| Yr 5 | £16,023 | £220,262 | £11,092 | £17,087 | £47,349 | 75.9% |
| Yr 10 | £18,128 | £255,344 | £12,608 | £41,392 | £106,736 | 171.1% |
| Yr 15 | £20,511 | £296,014 | £14,323 | £73,866 | £179,880 | 288.3% |
| Yr 20 | £23,206 | £343,161 | £16,263 | £115,580 | £268,742 | 430.7% |
| Yr 25 | £26,255 | £397,818 | £18,459 | £167,751 | £375,568 | 601.9% |
| Yr 30 | £29,706 | £461,180 | £20,943 | £231,750 | £502,930 | 806.0% |
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 | £1,028 | 6.5% | 4.0% | £-140 | -7.9% |
| Conservative | £1,125 | 7.1% | 4.7% | £98 | 2.6% |
| Base | £1,210 | 7.6% | 5.3% | £240 | 7.1% |
| Optimistic | £1,307 | 8.3% | 5.9% | £396 | 12.2% |
| Bull | £1,428 | 9.0% | 6.6% | £573 | 18.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.64% |
| Net Yield | ●5.27% |
| Net Annual Income | £10,009 |
| Deductions: void 8% (−£1,161) · mgmt 10% (−£1,452) · maint 10% (−£1,452) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£241 |
| Cash-on-Cash Return | ●4.62% |
| 5-Year IRR | ●7.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £2,500 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,028 | 6.5% | 4.0% | £-140 | -7.9% |
| Conservative | £1,125 | 7.1% | 4.7% | £98 | 2.6% |
| Base | £1,210 | 7.6% | 5.3% | £240 | 7.1% |
| Optimistic | £1,307 | 8.3% | 5.9% | £396 | 12.2% |
| Bull | £1,428 | 9.0% | 6.6% | £573 | 18.7% |
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