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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 57% above the area median. Offers anchored to area median of £95,000. 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 | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| 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
- £150,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £15,180 | £154,500 | £10,485 | £4,860 | £9,360 | 18.9% |
| Yr 3 | £15,948 | £163,909 | £11,038 | £15,405 | £29,314 | 59.1% |
| Yr 5 | £16,756 | £173,891 | £11,619 | £27,100 | £50,991 | 102.8% |
| Yr 10 | £18,958 | £201,587 | £13,205 | £61,748 | £113,336 | 228.5% |
| Yr 15 | £21,449 | £233,695 | £14,998 | £104,939 | £188,634 | 380.3% |
| Yr 20 | £24,268 | £270,917 | £17,028 | £157,793 | £278,710 | 561.9% |
| Yr 25 | £27,456 | £314,067 | £19,324 | £221,581 | £385,647 | 777.5% |
| Yr 30 | £31,064 | £364,089 | £21,921 | £297,739 | £511,828 | 1031.9% |
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
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● 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 | £1,075 | 8.6% | 5.3% | £52 | -1.7% |
| Conservative | £1,176 | 9.4% | 6.3% | £271 | 7.8% |
| Base | £1,265 | 10.1% | 7.0% | £405 | 12.0% |
| Optimistic | £1,366 | 10.9% | 7.8% | £552 | 16.7% |
| Bull | £1,493 | 11.9% | 8.8% | £722 | 22.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.12% |
| Net Yield | ●6.99% |
| Net Annual Income | £10,485 |
| Deductions: void 8% (−£1,214) · mgmt 10% (−£1,518) · maint 10% (−£1,518) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£406 |
| Cash-on-Cash Return | ●9.8% |
| 5-Year IRR | ●12.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,518 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 8.6% | 5.3% | £52 | -1.7% |
| Conservative | £1,176 | 9.4% | 6.3% | £271 | 7.8% |
| Base | £1,265 | 10.1% | 7.0% | £405 | 12.0% |
| Optimistic | £1,366 | 10.9% | 7.8% | £552 | 16.7% |
| Bull | £1,493 | 11.9% | 8.8% | £722 | 22.9% |
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