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Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 54% 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 in Manchester | Extensions, Roofing & Brickwork | 0161 506 8790 | — |
| decorator | Top Residential Decorators in Manchester | Ever Prime Painters I ... | 07359 772816 | — |
| photographer | Professional Photographer Manchester | +447400925109 | — |
Property Details
- Asking Price
- £180,000
- Property Type
- Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £16,830 | £185,400 | £11,673 | £4,923 | £10,323 | 17.4% |
| Yr 3 | £17,682 | £196,691 | £12,286 | £15,684 | £32,375 | 54.7% |
| Yr 5 | £18,577 | £208,669 | £12,931 | £27,719 | £56,388 | 95.3% |
| Yr 10 | £21,018 | £241,905 | £14,688 | £63,808 | £125,713 | 212.4% |
| Yr 15 | £23,780 | £280,434 | £16,677 | £109,367 | £209,801 | 354.4% |
| Yr 20 | £26,905 | £325,100 | £18,927 | £165,640 | £310,740 | 524.9% |
| Yr 25 | £30,441 | £376,880 | £21,472 | £234,035 | £430,915 | 727.9% |
| Yr 30 | £34,441 | £436,907 | £24,353 | £316,145 | £573,053 | 968.0% |
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
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● 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 | £1,192 | 7.9% | 4.9% | £6 | -3.4% |
| Conservative | £1,304 | 8.7% | 5.8% | £257 | 6.3% |
| Base | £1,402 | 9.3% | 6.5% | £410 | 10.6% |
| Optimistic | £1,514 | 10.1% | 7.2% | £577 | 15.5% |
| Bull | £1,654 | 11.0% | 8.1% | £770 | 21.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.35% |
| Net Yield | ●6.48% |
| Net Annual Income | £11,668 |
| Deductions: void 8% (−£1,346) · mgmt 10% (−£1,683) · maint 10% (−£1,683) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£411 |
| Cash-on-Cash Return | ●8.31% |
| 5-Year IRR | ●10.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,804 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 7.9% | 4.9% | £6 | -3.4% |
| Conservative | £1,304 | 8.7% | 5.8% | £257 | 6.3% |
| Base | £1,402 | 9.3% | 6.5% | £410 | 10.6% |
| Optimistic | £1,514 | 10.1% | 7.2% | £577 | 15.5% |
| Bull | £1,654 | 11.0% | 8.1% | £770 | 21.7% |
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