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Semi-Detached · 4 bed
Supports major UK property portals
vs Benchmark
No data
no benchmark yet
Est. £/sqft
~£225
benchmark ~£140/sqft
Investment Score
0/10
average
Days on Market
2–4 weeks
listed
Suggested Offer Range
Low offer
£121,067
£98,933 below asking
Target offer
£127,793
£92,207 below asking
High offer
£134,518
£85,482 below asking
⚠ Offers Over listing — vendor expects full asking price or above. The offer range shown is for context only; submitting below asking is likely to be rejected.
Asking price is 63% above the area median. Offers anchored to area median of £135,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.
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🔨 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 Blackpool Ltd| Trusted Local Builders | 07487 678364 | — |
| decorator | Painter and decorator | Fantastic Finish Decorators | 07464 967 344 | — |
| photographer | Creative Portraits | 07549 946326 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,300–1,400 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.
10-Year Projection
Break-even: Year 1
5yr IRR: 2.8%
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £12,166 | £226,600 | £8,315 | £65 | £6,665 | 9.3% |
| Yr 3 | £12,782 | £240,400 | £8,758 | £856 | £21,256 | 29.5% |
| Yr 5 | £13,429 | £255,040 | £9,224 | £2,568 | £37,608 | 52.2% |
| Yr 10 | £15,194 | £295,662 | £10,494 | £11,186 | £86,848 | 120.6% |
| Yr 15 | £17,190 | £342,753 | £11,932 | £26,650 | £149,403 | 207.5% |
| Yr 20 | £19,449 | £397,344 | £13,558 | £49,859 | £227,203 | 315.6% |
| Yr 25 | £22,005 | £460,631 | £15,399 | £81,831 | £322,462 | 447.9% |
| Yr 30 | £24,897 | £533,998 | £17,481 | £123,717 | £437,714 | 607.9% |
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?
IMD (Overall)
1/10
High deprivation
Crime
1/10
High deprivation
Income
1/10
High deprivation
Employment
1/10
High deprivation
Education
1/10
High deprivation
Housing Barriers
5/10
Mid deprivation
Rural/Urban
Mixed
📊 Investment Skill Analysis
Net Yield
3.8%
Gross:5.5%
Mortgage
MARGINAL
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 1/10
SDLT (Additional)
£12,900
5.9% effective rate · Company: £12,900
Void Risk
High
~6 weeks/year
Statistical CI (85%)
–
vs Comparable Mean:—· n=—
Best Strategy
Serviced Accommodation
£1,274/mo
SPV Tax Saving
£2,228/yr
Breakeven: — years
5-Year IRR
2.8%
IRR — Weak
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £862 | 4.7% | 2.9% | £-371 | -13.4% |
| Conservative | £943 | 5.1% | 3.4% | £-133 | -2.0% |
| Base | £1,014 | 5.5% | 3.8% | £5 | 2.8% |
| Optimistic | £1,095 | 6.0% | 4.2% | £155 | 8.3% |
| Bull | £1,197 | 6.5% | 4.8% | £322 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.53% |
| Net Yield | ●3.78% |
| Net Annual Income | £8,316 |
| Deductions: void 8% (−£973) · mgmt 10% (−£1,217) · maint 10% (−£1,217) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£7 |
| Cash-on-Cash Return | ●0.09% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,228 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £862 | 4.7% | 2.9% | £-371 | -13.4% |
| Conservative | £943 | 5.1% | 3.4% | £-133 | -2.0% |
| Base | £1,014 | 5.5% | 3.8% | £5 | 2.8% |
| Optimistic | £1,095 | 6.0% | 4.2% | £155 | 8.3% |
| Bull | £1,197 | 6.5% | 4.8% | £322 | 15.2% |
PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice.
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