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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 14% above the area median. Offers anchored to area median of £122,000. 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 | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £3,450 |
| Entrance Hall | £350 |
| 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
- £140,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £11,816 | £144,200 | £8,063 | £2,813 | £7,013 | 15.1% |
| Yr 3 | £12,414 | £152,982 | £8,493 | £9,081 | £22,063 | 47.5% |
| Yr 5 | £13,043 | £162,298 | £8,946 | £16,243 | £38,542 | 83.1% |
| Yr 10 | £14,757 | £188,148 | £10,180 | £38,363 | £86,511 | 186.4% |
| Yr 15 | £16,696 | £218,115 | £11,576 | £67,131 | £145,247 | 313.0% |
| Yr 20 | £18,890 | £252,856 | £13,156 | £103,422 | £216,277 | 466.1% |
| Yr 25 | £21,372 | £293,129 | £14,943 | £148,223 | £301,352 | 649.5% |
| Yr 30 | £24,180 | £339,817 | £16,965 | £202,653 | £402,470 | 867.4% |
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 | £837 | 7.2% | 4.3% | £-62 | -6.2% |
| Conservative | £916 | 7.9% | 5.2% | £123 | 4.0% |
| Base | £985 | 8.4% | 5.8% | £235 | 8.4% |
| Optimistic | £1,064 | 9.1% | 6.4% | £356 | 13.4% |
| Bull | £1,162 | 10.0% | 7.3% | £496 | 19.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.44% |
| Net Yield | ●5.76% |
| Net Annual Income | £8,065 |
| Deductions: void 8% (−£945) · mgmt 10% (−£1,182) · maint 10% (−£1,182) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £437 |
| Monthly Cashflow (IO) | ●£235 |
| Cash-on-Cash Return | ●6.07% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,300 |
| SDLT Effective Rate | 5.21% |
| SDLT (Company) | £7,300 |
| Section 24 Extra Tax/yr (higher rate) | £1,050 |
| SPV Annual Saving | £2,028 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £162,298 |
| Less: Purchase Price | −£140,000 |
| Less: Buying Costs (SDLT + legal) | −£9,900 |
| Less: Selling Costs (est. 2.5%) | −£4,057 |
| = CGT Net Gain (5yr) | £8,341 |
| CGT at 24% | £1,282 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £837 | 7.2% | 4.3% | £-62 | -6.2% |
| Conservative | £916 | 7.9% | 5.2% | £123 | 4.0% |
| Base | £985 | 8.4% | 5.8% | £235 | 8.4% |
| Optimistic | £1,064 | 9.1% | 6.4% | £356 | 13.4% |
| Bull | £1,162 | 10.0% | 7.3% | £496 | 19.8% |
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