🔒 Sign in to view the address — Liverpool
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 19% above the area median. Offers anchored to area median of £109,000. 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
- £130,000
- 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 | £15,184 | £133,900 | £10,487 | £5,612 | £9,512 | 22.0% |
| Yr 3 | £15,953 | £142,055 | £11,041 | £17,664 | £29,719 | 68.8% |
| Yr 5 | £16,760 | £150,706 | £11,622 | £30,865 | £51,570 | 119.4% |
| Yr 10 | £18,963 | £174,709 | £13,208 | £69,281 | £113,990 | 263.9% |
| Yr 15 | £21,455 | £202,536 | £15,002 | £116,240 | £188,776 | 437.0% |
| Yr 20 | £24,274 | £234,794 | £17,032 | £172,866 | £277,661 | 642.7% |
| Yr 25 | £27,464 | £272,191 | £19,329 | £240,429 | £382,620 | 885.7% |
| Yr 30 | £31,073 | £315,544 | £21,927 | £320,365 | £505,910 | 1171.1% |
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 | £1,075 | 9.9% | 6.1% | £134 | 2.0% |
| Conservative | £1,176 | 10.9% | 7.3% | £340 | 11.0% |
| Base | £1,265 | 11.7% | 8.1% | £467 | 15.0% |
| Optimistic | £1,366 | 12.6% | 9.0% | £608 | 19.5% |
| Bull | £1,493 | 13.8% | 10.1% | £772 | 25.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.68% |
| Net Yield | ●8.07% |
| Net Annual Income | £10,485 |
| Deductions: void 8% (−£1,215) · mgmt 10% (−£1,518) · maint 10% (−£1,518) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£469 |
| Cash-on-Cash Return | ●12.99% |
| 5-Year IRR | ●15.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £2,481 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 9.9% | 6.1% | £134 | 2.0% |
| Conservative | £1,176 | 10.9% | 7.3% | £340 | 11.0% |
| Base | £1,265 | 11.7% | 8.1% | £467 | 15.0% |
| Optimistic | £1,366 | 12.6% | 9.0% | £608 | 19.5% |
| Bull | £1,493 | 13.8% | 10.1% | £772 | 25.4% |
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