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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
- £130,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 700–800 sqft
- 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 | £11,232 | £133,900 | £7,642 | £2,767 | £6,667 | 15.4% |
| Yr 3 | £11,801 | £142,055 | £8,051 | £8,913 | £20,967 | 48.5% |
| Yr 5 | £12,398 | £150,706 | £8,482 | £15,908 | £36,614 | 84.8% |
| Yr 10 | £14,027 | £174,709 | £9,655 | £37,402 | £82,111 | 190.1% |
| Yr 15 | £15,871 | £202,536 | £10,982 | £65,216 | £137,752 | 318.9% |
| Yr 20 | £17,956 | £234,794 | £12,483 | £100,181 | £204,975 | 474.5% |
| Yr 25 | £20,316 | £272,191 | £14,182 | £143,235 | £285,426 | 660.7% |
| Yr 30 | £22,985 | £315,544 | £16,104 | £195,443 | £380,987 | 881.9% |
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 | 7.3% | 4.4% | £-48 | -5.9% |
| Conservative | £870 | 8.0% | 5.3% | £125 | 4.3% |
| Base | £936 | 8.6% | 5.9% | £231 | 8.6% |
| Optimistic | £1,011 | 9.3% | 6.6% | £345 | 13.6% |
| Bull | £1,104 | 10.2% | 7.4% | £477 | 20.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.64% |
| Net Yield | ●5.88% |
| 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 | £405 |
| Monthly Cashflow (IO) | ●£232 |
| Cash-on-Cash Return | ●6.41% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,927 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 7.3% | 4.4% | £-48 | -5.9% |
| Conservative | £870 | 8.0% | 5.3% | £125 | 4.3% |
| Base | £936 | 8.6% | 5.9% | £231 | 8.6% |
| Optimistic | £1,011 | 9.3% | 6.6% | £345 | 13.6% |
| Bull | £1,104 | 10.2% | 7.4% | £477 | 20.0% |
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