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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 23% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £400 |
| Bedroom 2 | £400 |
| Bedroom 3 | £400 |
| Bedroom 4 | £400 |
| 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 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
- £140,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,300–1,400 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 | £12,166 | £144,200 | £8,315 | £3,065 | £7,265 | 15.7% |
| Yr 3 | £12,782 | £152,982 | £8,758 | £9,856 | £22,838 | 49.2% |
| Yr 5 | £13,429 | £162,298 | £9,224 | £17,568 | £39,866 | 85.9% |
| Yr 10 | £15,194 | £188,148 | £10,494 | £41,186 | £89,335 | 192.5% |
| Yr 15 | £17,190 | £218,115 | £11,932 | £71,650 | £149,766 | 322.8% |
| Yr 20 | £19,449 | £252,856 | £13,558 | £109,859 | £222,715 | 480.0% |
| Yr 25 | £22,005 | £293,129 | £15,399 | £156,831 | £309,960 | 668.0% |
| Yr 30 | £24,897 | £339,817 | £17,481 | £213,717 | £413,533 | 891.2% |
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 | £862 | 7.4% | 4.5% | £-46 | -5.6% |
| Conservative | £943 | 8.1% | 5.3% | £142 | 4.5% |
| Base | £1,014 | 8.7% | 5.9% | £255 | 8.9% |
| Optimistic | £1,095 | 9.4% | 6.6% | £380 | 13.9% |
| Bull | £1,197 | 10.3% | 7.5% | £522 | 20.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.69% |
| Net Yield | ●5.94% |
| 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 | £437 |
| Monthly Cashflow (IO) | ●£256 |
| Cash-on-Cash Return | ●6.61% |
| 5-Year IRR | ●8.9% |
● 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 | £2,078 |
| 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 | £862 | 7.4% | 4.5% | £-46 | -5.6% |
| Conservative | £943 | 8.1% | 5.3% | £142 | 4.5% |
| Base | £1,014 | 8.7% | 5.9% | £255 | 8.9% |
| Optimistic | £1,095 | 9.4% | 6.6% | £380 | 13.9% |
| Bull | £1,197 | 10.3% | 7.5% | £522 | 20.2% |
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