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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £199,000. 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 | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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 | Local Builder in Oldham, Garage Conversions in Oldham | 01616417359 | — |
| decorator | MAS Painting & Decorating - Your Painting Experts in Oldham | 01616786806 | — |
| photographer | holden photography | 0161 624 9898 | — |
Property Details
- Asking Price
- £210,000
- Property Type
- Semi-Detached
- 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 | £12,201 | £216,300 | £8,340 | £465 | £6,765 | 9.8% |
| Yr 3 | £12,819 | £229,473 | £8,784 | £2,059 | £21,531 | 31.3% |
| Yr 5 | £13,468 | £243,448 | £9,252 | £4,575 | £38,023 | 55.3% |
| Yr 10 | £15,237 | £282,222 | £10,526 | £15,219 | £87,441 | 127.1% |
| Yr 15 | £17,240 | £327,173 | £11,968 | £32,727 | £149,900 | 217.9% |
| Yr 20 | £19,505 | £379,283 | £13,599 | £58,003 | £227,286 | 330.4% |
| Yr 25 | £22,068 | £439,693 | £15,444 | £92,066 | £321,760 | 467.7% |
| Yr 30 | £24,968 | £509,725 | £17,532 | £136,073 | £435,798 | 633.4% |
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?
📄 Lease Information
Estimated remaining lease: 236 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £864 | 4.9% | 3.0% | £-328 | -12.7% |
| Conservative | £946 | 5.4% | 3.6% | £-97 | -1.4% |
| Base | £1,017 | 5.8% | 4.0% | £39 | 3.4% |
| Optimistic | £1,098 | 6.3% | 4.4% | £185 | 8.8% |
| Bull | £1,200 | 6.9% | 5.0% | £350 | 15.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.81% |
| Net Yield | ●3.97% |
| Net Annual Income | £8,342 |
| Deductions: void 8% (−£976) · mgmt 10% (−£1,220) · maint 10% (−£1,220) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £655 |
| Monthly Cashflow (IO) | ●£40 |
| Cash-on-Cash Return | ●0.68% |
| 5-Year IRR | ●3.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,200 |
| SDLT Effective Rate | 5.81% |
| SDLT (Company) | £12,200 |
| Section 24 Extra Tax/yr (higher rate) | £1,575 |
| SPV Annual Saving | £2,213 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £243,448 |
| Less: Purchase Price | −£210,000 |
| Less: Buying Costs (SDLT + legal) | −£14,800 |
| Less: Selling Costs (est. 2.5%) | −£6,086 |
| = CGT Net Gain (5yr) | £12,562 |
| CGT at 24% | £2,295 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £864 | 4.9% | 3.0% | £-328 | -12.7% |
| Conservative | £946 | 5.4% | 3.6% | £-97 | -1.4% |
| Base | £1,017 | 5.8% | 4.0% | £39 | 3.4% |
| Optimistic | £1,098 | 6.3% | 4.4% | £185 | 8.8% |
| Bull | £1,200 | 6.9% | 5.0% | £350 | 15.6% |
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