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Semi-Detached · 5 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · Default rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,750 |
| Bathroom | £2,750 |
| Living Room | £1,600 |
| Hallway / Stairs | £600 |
| Master Bedroom | £750 |
| Bedroom 2 | £750 |
| Bedroom 3 | £750 |
| Bedroom 4 | £750 |
| Bedroom 5 | £750 |
| Total Estimated Refurb | £12,000 |
⚠ 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
- £319,950
- Property Type
- Semi-Detached
- Bedrooms
- 5
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- 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 | £30,299 | £329,548 | £21,370 | £9,372 | £18,971 | 17.9% |
| Yr 3 | £31,833 | £349,618 | £22,475 | £29,767 | £59,435 | 56.0% |
| Yr 5 | £33,445 | £370,910 | £23,635 | £52,454 | £103,413 | 97.5% |
| Yr 10 | £37,840 | £429,986 | £26,800 | £119,976 | £230,012 | 216.8% |
| Yr 15 | £42,812 | £498,472 | £30,380 | £204,547 | £383,068 | 361.1% |
| Yr 20 | £48,438 | £577,865 | £34,430 | £308,406 | £566,322 | 533.9% |
| Yr 25 | £54,803 | £669,904 | £39,013 | £434,090 | £784,044 | 739.1% |
| Yr 30 | £62,005 | £776,603 | £44,198 | £584,464 | £1,041,117 | 981.4% |
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
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,146 | 8.0% | 5.1% | £58 | -2.9% |
| Conservative | £2,348 | 8.8% | 6.0% | £507 | 6.6% |
| Base | £2,525 | 9.5% | 6.7% | £781 | 10.9% |
| Optimistic | £2,727 | 10.2% | 7.4% | £1,081 | 15.7% |
| Bull | £2,980 | 11.2% | 8.4% | £1,427 | 21.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.47% |
| Net Yield | ●6.68% |
| Net Annual Income | £21,371 |
| Deductions: void 8% (−£2,424) · mgmt 10% (−£3,030) · maint 10% (−£3,030) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £998 |
| Monthly Cashflow (IO) | ●£783 |
| Cash-on-Cash Return | ●8.84% |
| 5-Year IRR | ●10.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £21,995 |
| SDLT Effective Rate | 6.87% |
| SDLT (Company) | £21,995 |
| Section 24 Extra Tax/yr (higher rate) | £2,400 |
| SPV Annual Saving | £4,953 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £370,910 |
| Less: Purchase Price | −£319,950 |
| Less: Buying Costs (SDLT + legal) | −£24,595 |
| Less: Selling Costs (est. 2.5%) | −£9,273 |
| = CGT Net Gain (5yr) | £17,092 |
| CGT at 24% | £3,382 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,146 | 8.0% | 5.1% | £58 | -2.9% |
| Conservative | £2,348 | 8.8% | 6.0% | £507 | 6.6% |
| Base | £2,525 | 9.5% | 6.7% | £781 | 10.9% |
| Optimistic | £2,727 | 10.2% | 7.4% | £1,081 | 15.7% |
| Bull | £2,980 | 11.2% | 8.4% | £1,427 | 21.9% |
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