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Terraced · 3 bed
Supports major UK property portals
vs Benchmark
No data
no benchmark yet
Est. £/sqft
~£185
benchmark ~£185/sqft
Investment Score
0/10
average
Days on Market
2–4 weeks
listed
Suggested Offer Range
Low offer
£126,000
£14,000 below asking
Target offer
£130,200
£9,800 below asking
High offer
£135,800
£4,200 below asking
⚠ Offers Over listing — vendor expects full asking price or above. The offer range shown is for context only; submitting below asking is likely to be rejected.
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.
🔒 Sign in to view 18 photos
📷 No photos available for condition analysis.
🔨 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
- £140,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 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.
10-Year Projection
Break-even: Year 1
5yr IRR: 8.9%
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £12,208 | £144,200 | £8,345 | £3,095 | £7,295 | 15.7% |
| Yr 3 | £12,826 | £152,982 | £8,790 | £9,949 | £22,931 | 49.4% |
| Yr 5 | £13,475 | £162,298 | £9,257 | £17,727 | £40,025 | 86.3% |
| Yr 10 | £15,246 | £188,148 | £10,532 | £41,525 | £89,673 | 193.3% |
| Yr 15 | £17,250 | £218,115 | £11,975 | £72,192 | £150,308 | 323.9% |
| Yr 20 | £19,516 | £252,856 | £13,607 | £110,631 | £223,487 | 481.7% |
| Yr 25 | £22,081 | £293,129 | £15,453 | £157,864 | £310,992 | 670.2% |
| Yr 30 | £24,983 | £339,817 | £17,542 | £215,044 | £414,861 | 894.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — North West England ⓘ What are deciles?
IMD (Overall)
3/10
High deprivation
Crime
2/10
High deprivation
Income
4/10
Mid deprivation
Employment
4/10
Mid deprivation
Education
3/10
High deprivation
Housing Barriers
2/10
High deprivation
Rural/Urban
Mixed
📊 Investment Skill Analysis
Net Yield
6.0%
Gross:8.7%
Mortgage
PASS
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 1/10
SDLT (Additional)
£7,300
5.2% effective rate · Company: £7,300
Void Risk
High
~6 weeks/year
Statistical CI (85%)
–
vs Comparable Mean:—· n=—
Best Strategy
AST (Standard BTL)
£713/mo
SPV Tax Saving
£2,082/yr
Breakeven: — years
5-Year IRR
8.9%
IRR — Moderate
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £864 | 7.4% | 4.5% | £-44 | -5.5% |
| Conservative | £946 | 8.1% | 5.4% | £144 | 4.6% |
| Base | £1,017 | 8.7% | 6.0% | £258 | 8.9% |
| Optimistic | £1,098 | 9.4% | 6.6% | £382 | 13.9% |
| Bull | £1,200 | 10.3% | 7.5% | £525 | 20.2% |
⚠ Condition Flags
Renovation Opportunity (OPPORTUNITY)
Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.72% |
| Net Yield | ●5.96% |
| Net Annual Income | £8,342 |
| Deductions: void 8% (−£977) · mgmt 10% (−£1,221) · maint 10% (−£1,221) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£258 |
| Cash-on-Cash Return | ●6.66% |
| 5-Year IRR | ●8.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £2,082 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £864 | 7.4% | 4.5% | £-44 | -5.5% |
| Conservative | £946 | 8.1% | 5.4% | £144 | 4.6% |
| Base | £1,017 | 8.7% | 6.0% | £258 | 8.9% |
| Optimistic | £1,098 | 9.4% | 6.6% | £382 | 13.9% |
| Bull | £1,200 | 10.3% | 7.5% | £525 | 20.2% |
PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice.
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