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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 26% above the area median. Offers anchored to area median of £261,000. 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 | 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
- £330,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 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 | £23,859 | £339,900 | £16,733 | £4,358 | £14,258 | 13.0% |
| Yr 3 | £25,067 | £360,600 | £17,603 | £14,375 | £44,974 | 41.0% |
| Yr 5 | £26,336 | £382,560 | £18,517 | £26,196 | £78,756 | 71.9% |
| Yr 10 | £29,797 | £443,492 | £21,009 | £64,257 | £177,749 | 162.2% |
| Yr 15 | £33,712 | £514,129 | £23,828 | £115,743 | £299,872 | 273.6% |
| Yr 20 | £38,142 | £596,017 | £27,017 | £182,418 | £448,435 | 409.2% |
| Yr 25 | £43,154 | £690,947 | £30,626 | £266,278 | £627,225 | 572.3% |
| Yr 30 | £48,825 | £800,997 | £34,709 | £369,582 | £840,578 | 767.0% |
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 | £1,689 | 6.1% | 3.9% | £-280 | -8.8% |
| Conservative | £1,848 | 6.7% | 4.6% | £122 | 1.6% |
| Base | £1,987 | 7.2% | 5.1% | £362 | 6.2% |
| Optimistic | £2,146 | 7.8% | 5.6% | £623 | 11.3% |
| Bull | £2,345 | 8.5% | 6.3% | £920 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.23% |
| Net Yield | ●5.07% |
| Net Annual Income | £16,723 |
| Deductions: void 8% (−£1,909) · mgmt 10% (−£2,386) · maint 10% (−£2,386) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,029 |
| Monthly Cashflow (IO) | ●£365 |
| Cash-on-Cash Return | ●3.97% |
| 5-Year IRR | ●6.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £23,000 |
| SDLT Effective Rate | 6.97% |
| SDLT (Company) | £23,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,475 |
| SPV Annual Saving | £4,068 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £382,560 |
| Less: Purchase Price | −£330,000 |
| Less: Buying Costs (SDLT + legal) | −£25,600 |
| Less: Selling Costs (est. 2.5%) | −£9,564 |
| = CGT Net Gain (5yr) | £17,396 |
| CGT at 24% | £3,455 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,689 | 6.1% | 3.9% | £-280 | -8.8% |
| Conservative | £1,848 | 6.7% | 4.6% | £122 | 1.6% |
| Base | £1,987 | 7.2% | 5.1% | £362 | 6.2% |
| Optimistic | £2,146 | 7.8% | 5.6% | £623 | 11.3% |
| Bull | £2,345 | 8.5% | 6.3% | £920 | 17.9% |
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