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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 27% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £11,235 | £154,500 | £7,644 | £2,019 | £6,519 | 13.1% |
| Yr 3 | £11,804 | £163,909 | £8,054 | £6,669 | £20,578 | 41.5% |
| Yr 5 | £12,401 | £173,891 | £8,484 | £12,169 | £36,061 | 72.7% |
| Yr 10 | £14,031 | £201,587 | £9,657 | £29,926 | £81,514 | 164.3% |
| Yr 15 | £15,875 | £233,695 | £10,985 | £54,005 | £137,700 | 277.6% |
| Yr 20 | £17,961 | £270,917 | £12,487 | £85,236 | £206,153 | 415.6% |
| Yr 25 | £20,321 | £314,067 | £14,186 | £124,559 | £288,626 | 581.9% |
| Yr 30 | £22,991 | £364,089 | £16,109 | £173,038 | £387,127 | 780.5% |
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 | £796 | 6.4% | 3.8% | £-129 | -8.7% |
| Conservative | £870 | 7.0% | 4.6% | £57 | 1.9% |
| Base | £936 | 7.5% | 5.1% | £168 | 6.5% |
| Optimistic | £1,011 | 8.1% | 5.7% | £289 | 11.6% |
| Bull | £1,104 | 8.8% | 6.4% | £427 | 18.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.49% |
| Net Yield | ●5.09% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£899) · mgmt 10% (−£1,124) · maint 10% (−£1,124) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£169 |
| Cash-on-Cash Return | ●4.07% |
| 5-Year IRR | ●6.5% |
● 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 | £1,965 |
| 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 | £796 | 6.4% | 3.8% | £-129 | -8.7% |
| Conservative | £870 | 7.0% | 4.6% | £57 | 1.9% |
| Base | £936 | 7.5% | 5.1% | £168 | 6.5% |
| Optimistic | £1,011 | 8.1% | 5.7% | £289 | 11.6% |
| Bull | £1,104 | 8.8% | 6.4% | £427 | 18.2% |
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