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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 11% below the area median — some negotiation possible but limited margin. 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 Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £105,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £9,776 | £108,150 | £6,593 | £2,656 | £5,806 | 16.3% |
| Yr 3 | £10,270 | £114,736 | £6,950 | £8,500 | £18,236 | 51.2% |
| Yr 5 | £10,790 | £121,724 | £7,324 | £15,083 | £31,807 | 89.3% |
| Yr 10 | £12,208 | £141,111 | £8,345 | £35,028 | £71,140 | 199.8% |
| Yr 15 | £13,813 | £163,587 | £9,500 | £60,474 | £119,060 | 334.4% |
| Yr 20 | £15,628 | £189,642 | £10,807 | £92,142 | £176,784 | 496.6% |
| Yr 25 | £17,681 | £219,847 | £12,285 | £130,852 | £245,699 | 690.2% |
| Yr 30 | £20,005 | £254,863 | £13,958 | £177,528 | £327,391 | 919.6% |
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 | £693 | 7.9% | 4.7% | £-13 | -4.8% |
| Conservative | £758 | 8.7% | 5.6% | £133 | 5.1% |
| Base | £815 | 9.3% | 6.3% | £222 | 9.4% |
| Optimistic | £880 | 10.1% | 7.0% | £319 | 14.3% |
| Bull | £962 | 11.0% | 7.9% | £431 | 20.5% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.31% |
| Net Yield | ●6.28% |
| Net Annual Income | £6,597 |
| Deductions: void 8% (−£782) · mgmt 10% (−£978) · maint 10% (−£978) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£223 |
| Cash-on-Cash Return | ●7.47% |
| 5-Year IRR | ●9.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,250 |
| Section 24 Extra Tax/yr (higher rate) | £788 |
| SPV Annual Saving | £1,677 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £121,724 |
| Less: Purchase Price | −£105,000 |
| Less: Buying Costs (SDLT + legal) | −£7,850 |
| Less: Selling Costs (est. 2.5%) | −£3,043 |
| = CGT Net Gain (5yr) | £5,831 |
| CGT at 24% | £679 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 7.9% | 4.7% | £-13 | -4.8% |
| Conservative | £758 | 8.7% | 5.6% | £133 | 5.1% |
| Base | £815 | 9.3% | 6.3% | £222 | 9.4% |
| Optimistic | £880 | 10.1% | 7.0% | £319 | 14.3% |
| Bull | £962 | 11.0% | 7.9% | £431 | 20.5% |
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