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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £150,000. 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 | £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
- £196,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £11,231 | £201,880 | £7,641 | £291 | £6,171 | 9.6% |
| Yr 3 | £11,799 | £214,174 | £8,051 | £1,485 | £19,660 | 30.6% |
| Yr 5 | £12,397 | £227,218 | £8,481 | £3,529 | £34,746 | 54.0% |
| Yr 10 | £14,026 | £263,408 | £9,654 | £12,643 | £80,050 | 124.5% |
| Yr 15 | £15,869 | £305,362 | £10,981 | £28,076 | £137,437 | 213.7% |
| Yr 20 | £17,954 | £353,998 | £12,482 | £50,659 | £208,656 | 324.4% |
| Yr 25 | £20,313 | £410,380 | £14,181 | £81,331 | £295,711 | 459.7% |
| Yr 30 | £22,983 | £475,743 | £16,103 | £121,155 | £400,898 | 623.3% |
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 | 4.9% | 2.9% | £-316 | -13.0% |
| Conservative | £870 | 5.3% | 3.5% | £-101 | -1.7% |
| Base | £936 | 5.7% | 3.9% | £24 | 3.1% |
| Optimistic | £1,011 | 6.2% | 4.4% | £160 | 8.6% |
| Bull | £1,104 | 6.8% | 4.9% | £312 | 15.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.73% |
| Net Yield | ●3.9% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£898) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £611 |
| Monthly Cashflow (IO) | ●£26 |
| Cash-on-Cash Return | ●0.45% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,220 |
| SDLT Effective Rate | 5.72% |
| SDLT (Company) | £11,220 |
| Section 24 Extra Tax/yr (higher rate) | £1,470 |
| SPV Annual Saving | £2,051 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £227,218 |
| Less: Purchase Price | −£196,000 |
| Less: Buying Costs (SDLT + legal) | −£13,820 |
| Less: Selling Costs (est. 2.5%) | −£5,680 |
| = CGT Net Gain (5yr) | £11,718 |
| CGT at 24% | £2,092 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 4.9% | 2.9% | £-316 | -13.0% |
| Conservative | £870 | 5.3% | 3.5% | £-101 | -1.7% |
| Base | £936 | 5.7% | 3.9% | £24 | 3.1% |
| Optimistic | £1,011 | 6.2% | 4.4% | £160 | 8.6% |
| Bull | £1,104 | 6.8% | 4.9% | £312 | 15.4% |
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