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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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
- £115,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £118,450 | £7,645 | £3,332 | £6,782 | 17.6% |
| Yr 3 | £11,804 | £125,664 | £8,054 | £10,608 | £21,272 | 55.1% |
| Yr 5 | £12,402 | £133,317 | £8,484 | £18,734 | £37,050 | 96.0% |
| Yr 10 | £14,032 | £154,550 | £9,658 | £43,055 | £82,606 | 214.0% |
| Yr 15 | £15,875 | £179,166 | £10,985 | £73,699 | £137,865 | 357.2% |
| Yr 20 | £17,962 | £207,703 | £12,487 | £111,495 | £204,198 | 529.0% |
| Yr 25 | £20,322 | £240,784 | £14,187 | £157,384 | £283,168 | 733.6% |
| Yr 30 | £22,992 | £279,135 | £16,110 | £212,429 | £376,564 | 975.6% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 8.3% | 5.0% | £13 | -3.3% |
| Conservative | £870 | 9.1% | 6.0% | £177 | 6.4% |
| Base | £936 | 9.8% | 6.6% | £277 | 10.6% |
| Optimistic | £1,011 | 10.5% | 7.4% | £388 | 15.5% |
| Bull | £1,104 | 11.5% | 8.4% | £515 | 21.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.77% |
| Net Yield | ●6.65% |
| 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 | £359 |
| Monthly Cashflow (IO) | ●£278 |
| Cash-on-Cash Return | ●8.63% |
| 5-Year IRR | ●10.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,750 |
| Section 24 Extra Tax/yr (higher rate) | £862 |
| SPV Annual Saving | £1,900 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £133,317 |
| Less: Purchase Price | −£115,000 |
| Less: Buying Costs (SDLT + legal) | −£8,350 |
| Less: Selling Costs (est. 2.5%) | −£3,333 |
| = CGT Net Gain (5yr) | £6,634 |
| CGT at 24% | £872 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 8.3% | 5.0% | £13 | -3.3% |
| Conservative | £870 | 9.1% | 6.0% | £177 | 6.4% |
| Base | £936 | 9.8% | 6.6% | £277 | 10.6% |
| Optimistic | £1,011 | 10.5% | 7.4% | £388 | 15.5% |
| Bull | £1,104 | 11.5% | 8.4% | £515 | 21.6% |
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