🔒 Sign in to view the address
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 56% above the area median. Offers anchored to area median of £118,000. 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 | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| 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
- £185,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 900–1,000 sqft
- 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 | £15,189 | £190,550 | £10,491 | £3,553 | £9,103 | 15.0% |
| Yr 3 | £15,957 | £202,154 | £11,044 | £11,487 | £28,641 | 47.1% |
| Yr 5 | £16,765 | £214,466 | £11,626 | £20,569 | £50,035 | 82.3% |
| Yr 10 | £18,968 | £248,625 | £13,212 | £48,692 | £112,317 | 184.7% |
| Yr 15 | £21,461 | £288,224 | £15,007 | £85,361 | £188,585 | 310.2% |
| Yr 20 | £24,281 | £334,131 | £17,037 | £131,699 | £280,830 | 461.9% |
| Yr 25 | £27,472 | £387,349 | £19,335 | £188,977 | £391,326 | 643.6% |
| Yr 30 | £31,082 | £449,044 | £21,934 | £258,633 | £522,676 | 859.7% |
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 | £1,075 | 7.0% | 4.3% | £-90 | -6.4% |
| Conservative | £1,176 | 7.6% | 5.1% | £150 | 3.8% |
| Base | £1,265 | 8.2% | 5.7% | £296 | 8.2% |
| Optimistic | £1,366 | 8.9% | 6.3% | £454 | 13.3% |
| Bull | £1,493 | 9.7% | 7.1% | £635 | 19.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.21% |
| Net Yield | ●5.67% |
| Net Annual Income | £10,485 |
| Deductions: void 8% (−£1,215) · mgmt 10% (−£1,519) · maint 10% (−£1,519) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £577 |
| Monthly Cashflow (IO) | ●£297 |
| Cash-on-Cash Return | ●5.83% |
| 5-Year IRR | ●8.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £2,583 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 7.0% | 4.3% | £-90 | -6.4% |
| Conservative | £1,176 | 7.6% | 5.1% | £150 | 3.8% |
| Base | £1,265 | 8.2% | 5.7% | £296 | 8.2% |
| Optimistic | £1,366 | 8.9% | 6.3% | £454 | 13.3% |
| Bull | £1,493 | 9.7% | 7.1% | £635 | 19.7% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →