🔒 Sign in to view the address — Manchester
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
- £93,000
- 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 | £14,517 | £95,790 | £10,007 | £6,520 | £9,310 | 29.1% |
| Yr 3 | £15,252 | £101,624 | £10,537 | £20,350 | £28,974 | 90.5% |
| Yr 5 | £16,024 | £107,812 | £11,093 | £35,279 | £50,092 | 156.5% |
| Yr 10 | £18,130 | £124,984 | £12,609 | £77,778 | £109,762 | 343.0% |
| Yr 15 | £20,513 | £144,891 | £14,324 | £128,445 | £180,336 | 563.6% |
| Yr 20 | £23,208 | £167,968 | £16,265 | £188,354 | £263,323 | 822.9% |
| Yr 25 | £26,258 | £194,721 | £18,461 | £258,720 | £360,441 | 1126.4% |
| Yr 30 | £29,708 | £225,735 | £20,945 | £340,916 | £473,651 | 1480.2% |
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 | £1,028 | 13.3% | 8.1% | £254 | 10.3% |
| Conservative | £1,125 | 14.5% | 9.7% | £431 | 18.2% |
| Base | £1,210 | 15.6% | 10.8% | £543 | 21.7% |
| Optimistic | £1,307 | 16.9% | 12.0% | £668 | 25.8% |
| Bull | £1,428 | 18.4% | 13.5% | £816 | 31.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.61% |
| Net Yield | ●10.76% |
| 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 | £290 |
| Monthly Cashflow (IO) | ●£544 |
| Cash-on-Cash Return | ●20.38% |
| 5-Year IRR | ●21.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,650 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,650 |
| Section 24 Extra Tax/yr (higher rate) | £698 |
| SPV Annual Saving | £2,319 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £107,812 |
| Less: Purchase Price | −£93,000 |
| Less: Buying Costs (SDLT + legal) | −£7,250 |
| Less: Selling Costs (est. 2.5%) | −£2,695 |
| = CGT Net Gain (5yr) | £4,867 |
| CGT at 24% | £448 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,028 | 13.3% | 8.1% | £254 | 10.3% |
| Conservative | £1,125 | 14.5% | 9.7% | £431 | 18.2% |
| Base | £1,210 | 15.6% | 10.8% | £543 | 21.7% |
| Optimistic | £1,307 | 16.9% | 12.0% | £668 | 25.8% |
| Bull | £1,428 | 18.4% | 13.5% | £816 | 31.1% |
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