🔒 Sign in to view the address — Stockport
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 17% above the area median. Offers anchored to area median of £213,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| Total Estimated Refurb | £10,800 |
⚠ 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 | Construction company | A.D.Williamson & Sons, Stockport | 0161 768 0520 | — |
| photographer | Stockport Photographer - Venture Photography Studios | 0161 4314040 | — |
Property Details
- Asking Price
- £250,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- 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 | £14,750 | £257,500 | £10,175 | £800 | £8,300 | 10.2% |
| Yr 3 | £15,497 | £273,182 | £10,713 | £3,203 | £26,385 | 32.3% |
| Yr 5 | £16,281 | £289,819 | £11,277 | £6,722 | £46,541 | 57.0% |
| Yr 10 | £18,421 | £335,979 | £12,818 | £20,780 | £106,759 | 130.8% |
| Yr 15 | £20,841 | £389,492 | £14,561 | £43,137 | £182,629 | 223.8% |
| Yr 20 | £23,580 | £451,528 | £16,533 | £74,884 | £276,412 | 338.7% |
| Yr 25 | £26,679 | £523,444 | £18,764 | £117,255 | £390,700 | 478.8% |
| Yr 30 | £30,185 | £606,816 | £21,288 | £171,647 | £528,462 | 647.6% |
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 | £1,045 | 5.0% | 3.1% | £-374 | -12.3% |
| Conservative | £1,143 | 5.5% | 3.7% | £-96 | -1.1% |
| Base | £1,229 | 5.9% | 4.1% | £67 | 3.7% |
| Optimistic | £1,327 | 6.4% | 4.5% | £242 | 9.1% |
| Bull | £1,450 | 7.0% | 5.1% | £440 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.9% |
| Net Yield | ●4.07% |
| Net Annual Income | £10,174 |
| Deductions: void 8% (−£1,180) · mgmt 10% (−£1,475) · maint 10% (−£1,475) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£68 |
| Cash-on-Cash Return | ●0.98% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £2,644 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,045 | 5.0% | 3.1% | £-374 | -12.3% |
| Conservative | £1,143 | 5.5% | 3.7% | £-96 | -1.1% |
| Base | £1,229 | 5.9% | 4.1% | £67 | 3.7% |
| Optimistic | £1,327 | 6.4% | 4.5% | £242 | 9.1% |
| Bull | £1,450 | 7.0% | 5.1% | £440 | 15.9% |
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