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Flat · 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 | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £1,750 |
| Bedroom 2 | £1,750 |
| 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
- £95,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 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 | £14,516 | £97,850 | £10,007 | £6,444 | £9,294 | 28.5% |
| Yr 3 | £15,251 | £103,809 | £10,536 | £20,122 | £28,932 | 88.7% |
| Yr 5 | £16,023 | £110,131 | £11,092 | £34,899 | £50,030 | 153.5% |
| Yr 10 | £18,128 | £127,672 | £12,608 | £77,017 | £109,689 | 336.5% |
| Yr 15 | £20,511 | £148,007 | £14,323 | £127,303 | £180,310 | 553.1% |
| Yr 20 | £23,206 | £171,581 | £16,263 | £186,830 | £263,411 | 808.0% |
| Yr 25 | £26,255 | £198,909 | £18,459 | £256,813 | £360,722 | 1106.5% |
| Yr 30 | £29,706 | £230,590 | £20,943 | £338,625 | £474,215 | 1454.6% |
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 | £1,028 | 13.0% | 8.0% | £246 | 9.7% |
| Conservative | £1,125 | 14.2% | 9.5% | £424 | 17.6% |
| Base | £1,210 | 15.3% | 10.5% | £537 | 21.1% |
| Optimistic | £1,307 | 16.5% | 11.7% | £663 | 25.3% |
| Bull | £1,428 | 18.0% | 13.2% | £811 | 30.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.28% |
| Net Yield | ●10.54% |
| Net Annual Income | £10,009 |
| Deductions: void 8% (−£1,161) · mgmt 10% (−£1,452) · maint 10% (−£1,452) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£538 |
| Cash-on-Cash Return | ●19.77% |
| 5-Year IRR | ●21.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,750 |
| Section 24 Extra Tax/yr (higher rate) | £713 |
| SPV Annual Saving | £2,322 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,131 |
| Less: Purchase Price | −£95,000 |
| Less: Buying Costs (SDLT + legal) | −£7,350 |
| Less: Selling Costs (est. 2.5%) | −£2,753 |
| = CGT Net Gain (5yr) | £5,028 |
| CGT at 24% | £487 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,028 | 13.0% | 8.0% | £246 | 9.7% |
| Conservative | £1,125 | 14.2% | 9.5% | £424 | 17.6% |
| Base | £1,210 | 15.3% | 10.5% | £537 | 21.1% |
| Optimistic | £1,307 | 16.5% | 11.7% | £663 | 25.3% |
| Bull | £1,428 | 18.0% | 13.2% | £811 | 30.6% |
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