🔒 Sign in to view the address
End of Terrace · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £112,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| Entrance Hall | £350 |
| 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
- £120,000
- Property Type
- End of Terrace
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £9,780 | £123,600 | £6,597 | £2,097 | £5,697 | 14.2% |
| Yr 3 | £10,275 | £131,127 | £6,953 | £6,822 | £17,950 | 44.8% |
| Yr 5 | £10,795 | £139,113 | £7,328 | £12,288 | £31,401 | 78.3% |
| Yr 10 | £12,214 | £161,270 | £8,349 | £29,440 | £70,710 | 176.3% |
| Yr 15 | £13,819 | £186,956 | £9,505 | £52,094 | £119,051 | 296.9% |
| Yr 20 | £15,635 | £216,733 | £10,812 | £80,975 | £177,709 | 443.2% |
| Yr 25 | £17,689 | £251,253 | £12,291 | £116,900 | £248,154 | 618.8% |
| Yr 30 | £20,014 | £291,271 | £13,965 | £160,795 | £332,067 | 828.1% |
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 | £693 | 6.9% | 4.1% | £-74 | -7.4% |
| Conservative | £758 | 7.6% | 4.9% | £81 | 3.0% |
| Base | £815 | 8.2% | 5.5% | £175 | 7.4% |
| Optimistic | £880 | 8.8% | 6.1% | £277 | 12.5% |
| Bull | £962 | 9.6% | 6.9% | £394 | 18.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.15% |
| Net Yield | ●5.5% |
| Net Annual Income | £6,597 |
| Deductions: void 8% (−£782) · mgmt 10% (−£978) · maint 10% (−£978) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£176 |
| Cash-on-Cash Return | ●5.23% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £1,706 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 6.9% | 4.1% | £-74 | -7.4% |
| Conservative | £758 | 7.6% | 4.9% | £81 | 3.0% |
| Base | £815 | 8.2% | 5.5% | £175 | 7.4% |
| Optimistic | £880 | 8.8% | 6.1% | £277 | 12.5% |
| Bull | £962 | 9.6% | 6.9% | £394 | 18.9% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →