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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 134% above the area median. Offers anchored to area median of £94,000.
🔨 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 | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| Bedroom 4 | £700 |
| Bedroom 5 | £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 | Builders Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Comparable Sales in this postcode sector
🔍 Filtered to 4-6-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 5 | — | — | — | — |
| Sector sale 2 | Terraced | 5 | — | — | — | — |
| Sector sale 3 | Terraced | 4 | — | — | — | — |
| Sector sale 4 | Terraced | 4 | — | — | — | — |
| Sector sale 5 | Terraced | 4 | — | — | — | — |
| Sector sale 6 | Terraced | 4 | — | — | — | — |
■ Above subject ■ Below subject
Based on 6 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Standard — 2/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £686 |
| ICR (actual) | 2.67x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £220,000 |
| Deposit (25% — 75% LTV) | £55,000 |
| SDLT (additional property, 5% surcharge) | £12,900 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £70,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £220,000 | Loan (75% LTV) | £165,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £756 |
| Rent needed (1.5×) | £1,134/mo | Estimated rent | £888/mo |
| Stress ratio | 1.17× (need ≥ 1.5×) £246 shortfall | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £253,000 |
| 75% remortgage | £189,750 |
| Cash left in deal | £41,050 (38% recycled) |
| Est. BTL cashflow | +£401/mo |
| Gross margin | £-125,000 |
| Reno cost (est.) | –£10,800 |
| Buy + sell costs | –£17,925 |
| Net profit | £-153,725 (-233.6% ROI) |
| SA gross/mo | £1,516 |
| SA net/mo | £1,184 |
| BTL est./mo | £1,833 |
| SA vs BTL uplift | £-317/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £236,916 | +£16,916 | £63,522 | +£8,522 (3.9%) |
| 5 years | £248,910 | +£28,910 | £72,458 | +£17,458 (7.9%) |
| 7 years | £261,511 | +£41,511 | £81,846 | +£26,846 (12.2%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £22,000 | £226,600 | £15,395 | £7,145 | £13,745 | 19.1% |
| Yr 3 | £23,114 | £240,400 | £16,197 | £22,633 | £43,033 | 59.8% |
| Yr 5 | £24,284 | £255,040 | £17,039 | £39,785 | £74,826 | 103.9% |
| Yr 10 | £27,475 | £295,662 | £19,337 | £90,512 | £166,173 | 230.8% |
| Yr 15 | £31,085 | £342,753 | £21,937 | £153,617 | £276,370 | 383.8% |
| Yr 20 | £35,170 | £397,344 | £24,878 | £230,727 | £408,072 | 566.8% |
| Yr 25 | £39,792 | £460,631 | £28,205 | £323,684 | £564,315 | 783.8% |
| Yr 30 | £45,021 | £533,998 | £31,970 | £434,569 | £748,567 | 1039.7% |
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 | £1,558 | 8.5% | 5.3% | £82 | -1.5% |
| Conservative | £1,705 | 9.3% | 6.3% | £400 | 8.0% |
| Base | £1,833 | 10.0% | 7.0% | £595 | 12.2% |
| Optimistic | £1,980 | 10.8% | 7.8% | £809 | 17.0% |
| Bull | £2,163 | 11.8% | 8.8% | £1,057 | 23.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.0% |
| Net Yield | ●7.0% |
| Net Annual Income | £15,392 |
| Deductions: void 8% (−£1,760) · mgmt 10% (−£2,200) · maint 10% (−£2,200) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£597 |
| Cash-on-Cash Return | ●9.92% |
| 5-Year IRR | ●12.2% |
● 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 | £3,603 |
| 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 | £1,558 | 8.5% | 5.3% | £82 | -1.5% |
| Conservative | £1,705 | 9.3% | 6.3% | £400 | 8.0% |
| Base | £1,833 | 10.0% | 7.0% | £595 | 12.2% |
| Optimistic | £1,980 | 10.8% | 7.8% | £809 | 17.0% |
| Bull | £2,163 | 11.8% | 8.8% | £1,057 | 23.1% |
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