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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 51% above the area median. Offers anchored to area median of £115,000. 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 | £1,700 |
| Bedroom 2 | £1,700 |
| 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
- £175,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 400–500 sqft
- 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 | £14,525 | £180,250 | £10,013 | £3,450 | £8,700 | 15.1% |
| Yr 3 | £15,260 | £191,227 | £10,542 | £11,142 | £27,370 | 47.5% |
| Yr 5 | £16,033 | £202,873 | £11,099 | £19,933 | £47,806 | 83.0% |
| Yr 10 | £18,140 | £235,185 | £12,616 | £47,090 | £107,275 | 186.2% |
| Yr 15 | £20,523 | £272,644 | £14,332 | £82,420 | £180,064 | 312.6% |
| Yr 20 | £23,220 | £316,069 | £16,274 | £126,996 | £268,065 | 465.4% |
| Yr 25 | £26,272 | £366,411 | £18,471 | £182,034 | £373,446 | 648.3% |
| Yr 30 | £29,724 | £424,771 | £20,956 | £248,909 | £498,680 | 865.8% |
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?
📄 Lease Information
Estimated remaining lease: 956 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,028 | 7.1% | 4.3% | £-79 | -6.3% |
| Conservative | £1,125 | 7.7% | 5.1% | £149 | 3.9% |
| Base | £1,210 | 8.3% | 5.7% | £287 | 8.4% |
| Optimistic | £1,307 | 9.0% | 6.4% | £438 | 13.4% |
| Bull | £1,428 | 9.8% | 7.2% | £611 | 19.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.3% |
| Net Yield | ●5.72% |
| Net Annual Income | £10,009 |
| Deductions: void 8% (−£1,162) · mgmt 10% (−£1,453) · maint 10% (−£1,453) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £546 |
| Monthly Cashflow (IO) | ●£288 |
| Cash-on-Cash Return | ●5.98% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,750 |
| SDLT Effective Rate | 5.57% |
| SDLT (Company) | £9,750 |
| Section 24 Extra Tax/yr (higher rate) | £1,313 |
| SPV Annual Saving | £2,472 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £202,873 |
| Less: Purchase Price | −£175,000 |
| Less: Buying Costs (SDLT + legal) | −£12,350 |
| Less: Selling Costs (est. 2.5%) | −£5,072 |
| = CGT Net Gain (5yr) | £10,451 |
| CGT at 24% | £1,788 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,028 | 7.1% | 4.3% | £-79 | -6.3% |
| Conservative | £1,125 | 7.7% | 5.1% | £149 | 3.9% |
| Base | £1,210 | 8.3% | 5.7% | £287 | 8.4% |
| Optimistic | £1,307 | 9.0% | 6.4% | £438 | 13.4% |
| Bull | £1,428 | 9.8% | 7.2% | £611 | 19.8% |
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