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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 17% above the area median. Offers anchored to area median of £161,000. 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 | £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 | 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
- £190,000
- Property Type
- Terraced
- 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 | £16,815 | £195,700 | £11,662 | £4,537 | £10,237 | 16.4% |
| Yr 3 | £17,666 | £207,618 | £12,275 | £14,526 | £32,144 | 51.5% |
| Yr 5 | £18,561 | £220,262 | £12,919 | £25,787 | £56,049 | 89.8% |
| Yr 10 | £21,000 | £255,344 | £14,675 | £59,937 | £125,281 | 200.8% |
| Yr 15 | £23,759 | £296,014 | £16,662 | £103,548 | £209,562 | 335.8% |
| Yr 20 | £26,881 | £343,161 | £18,910 | £157,864 | £311,025 | 498.4% |
| Yr 25 | £30,414 | £397,818 | £21,453 | £224,291 | £432,109 | 692.5% |
| Yr 30 | £34,410 | £461,180 | £24,330 | £304,421 | £575,601 | 922.4% |
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 | £1,192 | 7.5% | 4.7% | £-34 | -4.7% |
| Conservative | £1,304 | 8.2% | 5.5% | £222 | 5.3% |
| Base | £1,402 | 8.9% | 6.1% | £379 | 9.6% |
| Optimistic | £1,514 | 9.6% | 6.8% | £549 | 14.6% |
| Bull | £1,654 | 10.4% | 7.7% | £745 | 20.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.85% |
| Net Yield | ●6.14% |
| Net Annual Income | £11,668 |
| Deductions: void 8% (−£1,345) · mgmt 10% (−£1,682) · maint 10% (−£1,682) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£379 |
| Cash-on-Cash Return | ●7.28% |
| 5-Year IRR | ●9.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £2,823 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 7.5% | 4.7% | £-34 | -4.7% |
| Conservative | £1,304 | 8.2% | 5.5% | £222 | 5.3% |
| Base | £1,402 | 8.9% | 6.1% | £379 | 9.6% |
| Optimistic | £1,514 | 9.6% | 6.8% | £549 | 14.6% |
| Bull | £1,654 | 10.4% | 7.7% | £745 | 20.9% |
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