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End of Terrace · 3 bed
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Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £190,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £200,000
- Property Type
- End of Terrace
- 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 | £11,240 | £206,000 | £7,648 | £148 | £6,148 | 9.4% |
| Yr 3 | £11,809 | £218,545 | £8,057 | £1,055 | £19,601 | 29.9% |
| Yr 5 | £12,407 | £231,855 | £8,488 | £2,813 | £34,668 | 52.8% |
| Yr 10 | £14,037 | £268,783 | £9,662 | £11,217 | £80,000 | 122.0% |
| Yr 15 | £15,882 | £311,593 | £10,990 | £25,944 | £137,538 | 209.7% |
| Yr 20 | £17,969 | £361,222 | £12,493 | £47,828 | £209,050 | 318.7% |
| Yr 25 | £20,330 | £418,756 | £14,193 | £77,807 | £296,563 | 452.1% |
| Yr 30 | £23,002 | £485,452 | £16,116 | £116,946 | £402,398 | 613.4% |
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 | 4.8% | 2.9% | £-332 | -13.3% |
| Conservative | £870 | 5.2% | 3.4% | £-115 | -1.9% |
| Base | £936 | 5.6% | 3.8% | £12 | 2.9% |
| Optimistic | £1,011 | 6.1% | 4.3% | £148 | 8.4% |
| Bull | £1,104 | 6.6% | 4.8% | £302 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.62% |
| Net Yield | ●3.82% |
| 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 | £624 |
| Monthly Cashflow (IO) | ●£13 |
| Cash-on-Cash Return | ●0.22% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,058 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 4.8% | 2.9% | £-332 | -13.3% |
| Conservative | £870 | 5.2% | 3.4% | £-115 | -1.9% |
| Base | £936 | 5.6% | 3.8% | £12 | 2.9% |
| Optimistic | £1,011 | 6.1% | 4.3% | £148 | 8.4% |
| Bull | £1,104 | 6.6% | 4.8% | £302 | 15.2% |
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