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End of Terrace · 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: 8/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £700 |
| Bathroom | £500 |
| Living Room | £300 |
| Master Bedroom | £250 |
| Bedroom 2 | £250 |
| Bedroom 3 | £250 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,800 |
⚠ 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 Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £140,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £11,228 | £144,200 | £7,639 | £2,389 | £6,589 | 14.2% |
| Yr 3 | £11,796 | £152,982 | £8,048 | £7,779 | £20,761 | 44.7% |
| Yr 5 | £12,394 | £162,298 | £8,478 | £14,018 | £36,316 | 78.3% |
| Yr 10 | £14,022 | £188,148 | £9,651 | £33,620 | £81,768 | 176.2% |
| Yr 15 | £15,865 | £218,115 | £10,978 | £59,540 | £137,655 | 296.7% |
| Yr 20 | £17,950 | £252,856 | £12,479 | £92,607 | £205,463 | 442.8% |
| Yr 25 | £20,308 | £293,129 | £14,177 | £133,762 | £286,891 | 618.3% |
| Yr 30 | £22,977 | £339,817 | £16,098 | £184,066 | £383,883 | 827.3% |
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 | 6.8% | 4.1% | £-89 | -7.4% |
| Conservative | £870 | 7.5% | 4.9% | £91 | 3.0% |
| Base | £936 | 8.0% | 5.5% | £199 | 7.5% |
| Optimistic | £1,011 | 8.7% | 6.1% | £317 | 12.6% |
| Bull | £1,104 | 9.5% | 6.9% | £452 | 19.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.02% |
| Net Yield | ●5.46% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£898) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£200 |
| Cash-on-Cash Return | ●5.16% |
| 5-Year IRR | ●7.5% |
● 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 | £1,946 |
| 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 | £796 | 6.8% | 4.1% | £-89 | -7.4% |
| Conservative | £870 | 7.5% | 4.9% | £91 | 3.0% |
| Base | £936 | 8.0% | 5.5% | £199 | 7.5% |
| Optimistic | £1,011 | 8.7% | 6.1% | £317 | 12.6% |
| Bull | £1,104 | 9.5% | 6.9% | £452 | 19.0% |
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