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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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
- £120,000
- Property Type
- Terraced
- 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 | £11,232 | £123,600 | £7,642 | £3,142 | £6,742 | 16.8% |
| Yr 3 | £11,801 | £131,127 | £8,051 | £10,038 | £21,165 | 52.8% |
| Yr 5 | £12,398 | £139,113 | £8,482 | £17,783 | £36,896 | 92.0% |
| Yr 10 | £14,027 | £161,270 | £9,655 | £41,152 | £82,422 | 205.5% |
| Yr 15 | £15,871 | £186,956 | £10,982 | £70,841 | £137,797 | 343.6% |
| Yr 20 | £17,956 | £216,733 | £12,483 | £107,681 | £204,414 | 509.8% |
| Yr 25 | £20,316 | £251,253 | £14,182 | £152,610 | £283,864 | 707.9% |
| Yr 30 | £22,985 | £291,271 | £16,104 | £206,693 | £377,964 | 942.6% |
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 | 8.0% | 4.8% | £-7 | -4.2% |
| Conservative | £870 | 8.7% | 5.7% | £160 | 5.7% |
| Base | £936 | 9.4% | 6.4% | £262 | 9.9% |
| Optimistic | £1,011 | 10.1% | 7.1% | £373 | 14.8% |
| Bull | £1,104 | 11.0% | 8.0% | £502 | 21.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.36% |
| Net Yield | ●6.37% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£899) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£263 |
| Cash-on-Cash Return | ●7.84% |
| 5-Year IRR | ●9.9% |
● 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 | £1,908 |
| 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 | £796 | 8.0% | 4.8% | £-7 | -4.2% |
| Conservative | £870 | 8.7% | 5.7% | £160 | 5.7% |
| Base | £936 | 9.4% | 6.4% | £262 | 9.9% |
| Optimistic | £1,011 | 10.1% | 7.1% | £373 | 14.8% |
| Bull | £1,104 | 11.0% | 8.0% | £502 | 21.1% |
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