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Bungalow · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 74% 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: 7/10 · 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
- £195,000
- Property Type
- Bungalow
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 400–500 sqft (est.)
- 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 | £11,232 | £200,850 | £7,642 | £330 | £6,180 | 9.7% |
| Yr 3 | £11,801 | £213,082 | £8,051 | £1,600 | £19,682 | 30.8% |
| Yr 5 | £12,398 | £226,058 | £8,482 | £3,721 | £34,779 | 54.3% |
| Yr 10 | £14,027 | £262,064 | £9,655 | £13,027 | £80,091 | 125.1% |
| Yr 15 | £15,871 | £303,804 | £10,982 | £28,654 | £137,457 | 214.8% |
| Yr 20 | £17,956 | £352,192 | £12,483 | £51,431 | £208,622 | 326.0% |
| Yr 25 | £20,316 | £408,287 | £14,182 | £82,298 | £295,584 | 461.9% |
| Yr 30 | £22,985 | £473,316 | £16,104 | £122,318 | £400,634 | 626.0% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 4.9% | 3.0% | £-312 | -12.9% |
| Conservative | £870 | 5.4% | 3.5% | £-98 | -1.6% |
| Base | £936 | 5.8% | 3.9% | £27 | 3.2% |
| Optimistic | £1,011 | 6.2% | 4.4% | £163 | 8.6% |
| Bull | £1,104 | 6.8% | 4.9% | £315 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.76% |
| Net Yield | ●3.92% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£899) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £608 |
| Monthly Cashflow (IO) | ●£29 |
| Cash-on-Cash Return | ●0.51% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,150 |
| SDLT Effective Rate | 5.72% |
| SDLT (Company) | £11,150 |
| Section 24 Extra Tax/yr (higher rate) | £1,462 |
| SPV Annual Saving | £2,050 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £226,058 |
| Less: Purchase Price | −£195,000 |
| Less: Buying Costs (SDLT + legal) | −£13,750 |
| Less: Selling Costs (est. 2.5%) | −£5,651 |
| = CGT Net Gain (5yr) | £11,657 |
| CGT at 24% | £2,078 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 4.9% | 3.0% | £-312 | -12.9% |
| Conservative | £870 | 5.4% | 3.5% | £-98 | -1.6% |
| Base | £936 | 5.8% | 3.9% | £27 | 3.2% |
| Optimistic | £1,011 | 6.2% | 4.4% | £163 | 8.6% |
| Bull | £1,104 | 6.8% | 4.9% | £315 | 15.4% |
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