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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 22% above the area median. Offers anchored to area median of £138,000. 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
- £170,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- 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 | £12,206 | £175,100 | £8,343 | £1,968 | £7,068 | 12.6% |
| Yr 3 | £12,824 | £185,764 | £8,788 | £6,570 | £22,333 | 39.9% |
| Yr 5 | £13,473 | £197,077 | £9,256 | £12,094 | £39,171 | 69.9% |
| Yr 10 | £15,244 | £228,466 | £10,530 | £30,259 | £88,725 | 158.4% |
| Yr 15 | £17,247 | £264,854 | £11,973 | £55,292 | £150,146 | 268.1% |
| Yr 20 | £19,513 | £307,039 | £13,604 | £88,095 | £225,134 | 402.0% |
| Yr 25 | £22,077 | £355,942 | £15,451 | £129,689 | £315,632 | 563.6% |
| Yr 30 | £24,978 | £412,635 | £17,539 | £181,231 | £423,866 | 756.9% |
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 | £864 | 6.1% | 3.7% | £-166 | -9.3% |
| Conservative | £946 | 6.7% | 4.4% | £41 | 1.4% |
| Base | £1,017 | 7.2% | 4.9% | £164 | 6.0% |
| Optimistic | £1,098 | 7.8% | 5.5% | £298 | 11.2% |
| Bull | £1,200 | 8.5% | 6.2% | £450 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.18% |
| Net Yield | ●4.91% |
| Net Annual Income | £8,342 |
| Deductions: void 8% (−£976) · mgmt 10% (−£1,221) · maint 10% (−£1,221) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£165 |
| Cash-on-Cash Return | ●3.51% |
| 5-Year IRR | ●6.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £2,138 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £864 | 6.1% | 3.7% | £-166 | -9.3% |
| Conservative | £946 | 6.7% | 4.4% | £41 | 1.4% |
| Base | £1,017 | 7.2% | 4.9% | £164 | 6.0% |
| Optimistic | £1,098 | 7.8% | 5.5% | £298 | 11.2% |
| Bull | £1,200 | 8.5% | 6.2% | £450 | 17.8% |
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