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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 15% above the area median. Offers anchored to area median of £112,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Total Estimated Refurb | £4,500 |
⚠ 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 Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £129,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £11,236 | £132,870 | £7,645 | £2,807 | £6,677 | 15.6% |
| Yr 3 | £11,805 | £140,962 | £8,054 | £9,034 | £20,996 | 49.0% |
| Yr 5 | £12,402 | £149,546 | £8,485 | £16,110 | £36,657 | 85.5% |
| Yr 10 | £14,032 | £173,365 | £9,658 | £37,809 | £82,174 | 191.6% |
| Yr 15 | £15,876 | £200,978 | £10,986 | £65,829 | £137,807 | 321.4% |
| Yr 20 | £17,962 | £232,988 | £12,488 | £101,002 | £204,991 | 478.1% |
| Yr 25 | £20,323 | £270,097 | £14,187 | £144,269 | £285,366 | 665.5% |
| Yr 30 | £22,993 | £313,117 | £16,110 | £196,691 | £380,808 | 888.1% |
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 | £796 | 7.4% | 4.5% | £-44 | -5.7% |
| Conservative | £870 | 8.1% | 5.3% | £129 | 4.4% |
| Base | £936 | 8.7% | 5.9% | £234 | 8.8% |
| Optimistic | £1,011 | 9.4% | 6.6% | £348 | 13.8% |
| Bull | £1,104 | 10.3% | 7.5% | £480 | 20.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.71% |
| Net Yield | ●5.92% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£899) · mgmt 10% (−£1,124) · maint 10% (−£1,124) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £402 |
| Monthly Cashflow (IO) | ●£235 |
| Cash-on-Cash Return | ●6.54% |
| 5-Year IRR | ●8.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,530 |
| SDLT Effective Rate | 5.06% |
| SDLT (Company) | £6,530 |
| Section 24 Extra Tax/yr (higher rate) | £968 |
| SPV Annual Saving | £1,926 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £149,546 |
| Less: Purchase Price | −£129,000 |
| Less: Buying Costs (SDLT + legal) | −£9,130 |
| Less: Selling Costs (est. 2.5%) | −£3,739 |
| = CGT Net Gain (5yr) | £7,677 |
| CGT at 24% | £1,123 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 7.4% | 4.5% | £-44 | -5.7% |
| Conservative | £870 | 8.1% | 5.3% | £129 | 4.4% |
| Base | £936 | 8.7% | 5.9% | £234 | 8.8% |
| Optimistic | £1,011 | 9.4% | 6.6% | £348 | 13.8% |
| Bull | £1,104 | 10.3% | 7.5% | £480 | 20.1% |
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