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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £126,000. 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 | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Entrance Hall | £350 |
| 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
- £140,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £14,518 | £144,200 | £10,008 | £4,758 | £8,958 | 19.3% |
| Yr 3 | £15,253 | £152,982 | £10,537 | £15,064 | £28,046 | 60.4% |
| Yr 5 | £16,025 | £162,298 | £11,093 | £26,469 | £48,768 | 105.1% |
| Yr 10 | £18,131 | £188,148 | £12,609 | £60,159 | £108,307 | 233.4% |
| Yr 15 | £20,514 | £218,115 | £14,325 | £102,017 | £180,132 | 388.2% |
| Yr 20 | £23,209 | £252,856 | £16,266 | £153,117 | £265,973 | 573.2% |
| Yr 25 | £26,259 | £293,129 | £18,462 | £214,675 | £367,804 | 792.7% |
| Yr 30 | £29,710 | £339,817 | £20,946 | £288,063 | £487,880 | 1051.5% |
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: 125 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,028 | 8.8% | 5.4% | £63 | -1.2% |
| Conservative | £1,125 | 9.6% | 6.4% | £269 | 8.2% |
| Base | £1,210 | 10.4% | 7.1% | £397 | 12.4% |
| Optimistic | £1,307 | 11.2% | 8.0% | £536 | 17.1% |
| Bull | £1,428 | 12.2% | 9.0% | £698 | 23.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.37% |
| Net Yield | ●7.15% |
| 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 | £437 |
| Monthly Cashflow (IO) | ●£397 |
| Cash-on-Cash Return | ●10.26% |
| 5-Year IRR | ●12.4% |
● 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 | £2,406 |
| 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 | £1,028 | 8.8% | 5.4% | £63 | -1.2% |
| Conservative | £1,125 | 9.6% | 6.4% | £269 | 8.2% |
| Base | £1,210 | 10.4% | 7.1% | £397 | 12.4% |
| Optimistic | £1,307 | 11.2% | 8.0% | £536 | 17.1% |
| Bull | £1,428 | 12.2% | 9.0% | £698 | 23.2% |
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