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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 15% above the area median. Offers anchored to area median of £234,000. 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 | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Bedroom 3 | £850 |
| Bedroom 4 | £850 |
| 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 | Damian Lee Building Ltd | 01772 733091 | — |
| decorator | Rose Decor: Painters & Decorators Preston | 01772 211 886 | — |
| photographer | Preston Photography Group | 04932341133 | — |
Property Details
- Asking Price
- £270,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- 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 | £14,796 | £278,100 | £10,208 | £83 | £8,183 | 9.2% |
| Yr 3 | £15,545 | £295,036 | £10,747 | £1,055 | £26,091 | 29.4% |
| Yr 5 | £16,332 | £313,004 | £11,314 | £3,146 | £46,150 | 52.1% |
| Yr 10 | £18,478 | £362,857 | £12,859 | £13,651 | £106,508 | 120.2% |
| Yr 15 | £20,906 | £420,651 | £14,608 | £32,481 | £183,132 | 206.7% |
| Yr 20 | £23,654 | £487,650 | £16,586 | £60,730 | £278,380 | 314.2% |
| Yr 25 | £26,762 | £565,320 | £18,824 | £99,637 | £394,957 | 445.8% |
| Yr 30 | £30,279 | £655,361 | £21,356 | £150,601 | £535,962 | 604.9% |
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 | £1,047 | 4.7% | 2.9% | £-453 | -13.5% |
| Conservative | £1,146 | 5.1% | 3.4% | £-163 | -2.1% |
| Base | £1,232 | 5.5% | 3.8% | £6 | 2.7% |
| Optimistic | £1,331 | 5.9% | 4.2% | £188 | 8.2% |
| Bull | £1,454 | 6.5% | 4.7% | £393 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.48% |
| Net Yield | ●3.78% |
| Net Annual Income | £10,199 |
| Deductions: void 8% (−£1,184) · mgmt 10% (−£1,480) · maint 10% (−£1,480) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £842 |
| Monthly Cashflow (IO) | ●£8 |
| Cash-on-Cash Return | ●0.08% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £17,000 |
| SDLT Effective Rate | 6.3% |
| SDLT (Company) | £17,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,025 |
| SPV Annual Saving | £2,688 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £313,004 |
| Less: Purchase Price | −£270,000 |
| Less: Buying Costs (SDLT + legal) | −£19,600 |
| Less: Selling Costs (est. 2.5%) | −£7,825 |
| = CGT Net Gain (5yr) | £15,579 |
| CGT at 24% | £3,019 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,047 | 4.7% | 2.9% | £-453 | -13.5% |
| Conservative | £1,146 | 5.1% | 3.4% | £-163 | -2.1% |
| Base | £1,232 | 5.5% | 3.8% | £6 | 2.7% |
| Optimistic | £1,331 | 5.9% | 4.2% | £188 | 8.2% |
| Bull | £1,454 | 6.5% | 4.7% | £393 | 15.1% |
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