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Semi-Detached · 3 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 | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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 | Sattar Builders - Construction Company | Blackburn | 07846 549687 | — |
| decorator | Painter and Decorator Blackburn | 5-Star Local Expert | 07958628825 | — |
| photographer | Wedding photographer Blackburn | Darwen | Bolton ... | 07801 387933 | — |
Property Details
- Asking Price
- £165,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- 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 | £9,256 | £169,950 | £6,220 | £32 | £4,982 | 9.2% |
| Yr 3 | £9,725 | £180,300 | £6,557 | £601 | £15,901 | 29.2% |
| Yr 5 | £10,217 | £191,280 | £6,912 | £1,869 | £28,149 | 51.7% |
| Yr 10 | £11,560 | £221,746 | £7,878 | £8,342 | £65,088 | 119.6% |
| Yr 15 | £13,079 | £257,065 | £8,972 | £20,023 | £112,088 | 206.0% |
| Yr 20 | £14,798 | £298,008 | £10,209 | £37,597 | £170,605 | 313.6% |
| Yr 25 | £16,742 | £345,473 | £11,610 | £61,838 | £242,311 | 445.4% |
| Yr 30 | £18,943 | £400,498 | £13,194 | £93,622 | £329,121 | 605.0% |
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 | £655 | 4.8% | 2.8% | £-281 | -13.6% |
| Conservative | £717 | 5.2% | 3.4% | £-102 | -2.1% |
| Base | £771 | 5.6% | 3.8% | £2 | 2.7% |
| Optimistic | £833 | 6.1% | 4.2% | £115 | 8.1% |
| Bull | £910 | 6.6% | 4.8% | £242 | 15.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.61% |
| Net Yield | ●3.77% |
| Net Annual Income | £6,216 |
| Deductions: void 8% (−£741) · mgmt 10% (−£926) · maint 10% (−£926) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £515 |
| Monthly Cashflow (IO) | ●£3 |
| Cash-on-Cash Return | ●0.05% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £1,716 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £655 | 4.8% | 2.8% | £-281 | -13.6% |
| Conservative | £717 | 5.2% | 3.4% | £-102 | -2.1% |
| Base | £771 | 5.6% | 3.8% | £2 | 2.7% |
| Optimistic | £833 | 6.1% | 4.2% | £115 | 8.1% |
| Bull | £910 | 6.6% | 4.8% | £242 | 15.0% |
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