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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £121,000. 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 | Local Builder in Oldham, Garage Conversions in Oldham | 01616417359 | — |
| decorator | MAS Painting & Decorating - Your Painting Experts in Oldham | 01616786806 | — |
| photographer | holden photography | 0161 624 9898 | — |
Property Details
- Asking Price
- £134,950
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 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 | £10,054 | £138,998 | £6,794 | £1,733 | £5,782 | 12.9% |
| Yr 3 | £10,563 | £147,464 | £7,160 | £5,747 | £18,260 | 40.8% |
| Yr 5 | £11,097 | £156,444 | £7,545 | £10,521 | £32,015 | 71.5% |
| Yr 10 | £12,556 | £181,362 | £8,595 | £26,042 | £72,453 | 161.8% |
| Yr 15 | £14,206 | £210,248 | £9,783 | £47,220 | £122,517 | 273.6% |
| Yr 20 | £16,072 | £243,735 | £11,127 | £74,798 | £183,583 | 409.9% |
| Yr 25 | £18,185 | £282,555 | £12,648 | £109,618 | £257,223 | 574.4% |
| Yr 30 | £20,574 | £327,559 | £14,368 | £152,631 | £345,240 | 770.9% |
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: 820 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £712 | 6.3% | 3.8% | £-122 | -8.9% |
| Conservative | £779 | 6.9% | 4.5% | £45 | 1.7% |
| Base | £838 | 7.5% | 5.0% | £145 | 6.2% |
| Optimistic | £905 | 8.0% | 5.6% | £253 | 11.4% |
| Bull | £989 | 8.8% | 6.4% | £377 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.45% |
| Net Yield | ●5.04% |
| Net Annual Income | £6,795 |
| Deductions: void 8% (−£804) · mgmt 10% (−£1,005) · maint 10% (−£1,005) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £421 |
| Monthly Cashflow (IO) | ●£145 |
| Cash-on-Cash Return | ●3.87% |
| 5-Year IRR | ●6.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,946 |
| SDLT Effective Rate | 5.15% |
| SDLT (Company) | £6,946 |
| Section 24 Extra Tax/yr (higher rate) | £1,012 |
| SPV Annual Saving | £1,772 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £156,444 |
| Less: Purchase Price | −£134,950 |
| Less: Buying Costs (SDLT + legal) | −£9,546 |
| Less: Selling Costs (est. 2.5%) | −£3,911 |
| = CGT Net Gain (5yr) | £8,037 |
| CGT at 24% | £1,209 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £712 | 6.3% | 3.8% | £-122 | -8.9% |
| Conservative | £779 | 6.9% | 4.5% | £45 | 1.7% |
| Base | £838 | 7.5% | 5.0% | £145 | 6.2% |
| Optimistic | £905 | 8.0% | 5.6% | £253 | 11.4% |
| Bull | £989 | 8.8% | 6.4% | £377 | 17.9% |
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