🔒 Sign in to view the address — Bolton
Semi-Detached · 2 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
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 | £1,700 |
| Bedroom 2 | £1,700 |
| 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 | Building and Property Services In Bolton - Hinsley & Sons | 01204 391 797 | — |
| decorator | Wallpapering, Painting & Decorating | Bolton | Westhoughton | DJ ... | 07976 238237 | — |
| photographer | Martin Newton Photography - HOME | 07841411638 | — |
Property Details
- Asking Price
- £225,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- 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 | £13,208 | £231,750 | £9,064 | £627 | £7,377 | 10.0% |
| Yr 3 | £13,876 | £245,864 | £9,546 | £2,600 | £23,463 | 31.9% |
| Yr 5 | £14,579 | £260,837 | £10,052 | £5,572 | £41,409 | 56.3% |
| Yr 10 | £16,494 | £302,381 | £11,431 | £17,712 | £95,094 | 129.2% |
| Yr 15 | £18,662 | £350,543 | £12,992 | £37,284 | £162,827 | 221.2% |
| Yr 20 | £21,114 | £406,375 | £14,757 | £65,264 | £246,639 | 335.1% |
| Yr 25 | £23,889 | £471,100 | £16,755 | £102,757 | £348,857 | 474.0% |
| Yr 30 | £27,028 | £546,134 | £19,015 | £151,013 | £472,147 | 641.5% |
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 | £935 | 5.0% | 3.0% | £-343 | -12.5% |
| Conservative | £1,023 | 5.5% | 3.6% | £-94 | -1.3% |
| Base | £1,100 | 5.9% | 4.0% | £52 | 3.5% |
| Optimistic | £1,188 | 6.3% | 4.5% | £209 | 8.9% |
| Bull | £1,298 | 6.9% | 5.1% | £387 | 15.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.87% |
| Net Yield | ●4.03% |
| Net Annual Income | £9,059 |
| Deductions: void 8% (−£1,057) · mgmt 10% (−£1,321) · maint 10% (−£1,321) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £702 |
| Monthly Cashflow (IO) | ●£53 |
| Cash-on-Cash Return | ●0.84% |
| 5-Year IRR | ●3.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,250 |
| SDLT Effective Rate | 5.89% |
| SDLT (Company) | £13,250 |
| Section 24 Extra Tax/yr (higher rate) | £1,688 |
| SPV Annual Saving | £2,381 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £260,837 |
| Less: Purchase Price | −£225,000 |
| Less: Buying Costs (SDLT + legal) | −£15,850 |
| Less: Selling Costs (est. 2.5%) | −£6,521 |
| = CGT Net Gain (5yr) | £13,466 |
| CGT at 24% | £2,512 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £935 | 5.0% | 3.0% | £-343 | -12.5% |
| Conservative | £1,023 | 5.5% | 3.6% | £-94 | -1.3% |
| Base | £1,100 | 5.9% | 4.0% | £52 | 3.5% |
| Optimistic | £1,188 | 6.3% | 4.5% | £209 | 8.9% |
| Bull | £1,298 | 6.9% | 5.1% | £387 | 15.8% |
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