🔒 Sign in to view the address
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | Building and Property Services In Bolton - Hinsley & Sons | 01204 391 797 | — |
| decorator | Wallpapering, Painting & Decorating | Bolton | Westhoughton | DJ ... | 07976 238237 | — |
| photographer | Martin Newton Photography - HOME | 07841411638 | — |
Property Details
- Asking Price
- £200,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £11,100 | £206,000 | £7,547 | £47 | £6,047 | 9.2% |
| Yr 3 | £11,662 | £218,545 | £7,952 | £745 | £19,291 | 29.4% |
| Yr 5 | £12,252 | £231,855 | £8,377 | £2,284 | £34,138 | 52.0% |
| Yr 10 | £13,862 | £268,783 | £9,536 | £10,087 | £78,871 | 120.2% |
| Yr 15 | £15,684 | £311,593 | £10,847 | £24,137 | £135,730 | 206.9% |
| Yr 20 | £17,745 | £361,222 | £12,331 | £45,253 | £206,475 | 314.7% |
| Yr 25 | £20,077 | £418,756 | £14,010 | £74,364 | £293,119 | 446.8% |
| Yr 30 | £22,715 | £485,452 | £15,910 | £112,520 | £397,973 | 606.7% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | £786 | 4.7% | 2.8% | £-339 | -13.5% |
| Conservative | £860 | 5.2% | 3.4% | £-122 | -2.1% |
| Base | £925 | 5.5% | 3.8% | £4 | 2.8% |
| Optimistic | £999 | 6.0% | 4.2% | £140 | 8.2% |
| Bull | £1,092 | 6.5% | 4.8% | £292 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.55% |
| Net Yield | ●3.77% |
| Net Annual Income | £7,547 |
| Deductions: void 8% (−£888) · mgmt 10% (−£1,110) · maint 10% (−£1,110) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£5 |
| Cash-on-Cash Return | ●0.07% |
| 5-Year IRR | ●2.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,040 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £786 | 4.7% | 2.8% | £-339 | -13.5% |
| Conservative | £860 | 5.2% | 3.4% | £-122 | -2.1% |
| Base | £925 | 5.5% | 3.8% | £4 | 2.8% |
| Optimistic | £999 | 6.0% | 4.2% | £140 | 8.2% |
| Bull | £1,092 | 6.5% | 4.8% | £292 | 15.1% |
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 →