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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £205,000. 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
- £220,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 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 | £16,830 | £226,600 | £11,673 | £3,423 | £10,023 | 13.9% |
| Yr 3 | £17,682 | £240,400 | £12,286 | £11,184 | £31,584 | 43.9% |
| Yr 5 | £18,577 | £255,040 | £12,931 | £20,219 | £55,259 | 76.7% |
| Yr 10 | £21,018 | £295,662 | £14,688 | £48,808 | £124,470 | 172.9% |
| Yr 15 | £23,780 | £342,753 | £16,677 | £86,867 | £209,620 | 291.1% |
| Yr 20 | £26,905 | £397,344 | £18,927 | £135,640 | £312,984 | 434.7% |
| Yr 25 | £30,441 | £460,631 | £21,472 | £196,535 | £437,166 | 607.2% |
| Yr 30 | £34,441 | £533,998 | £24,353 | £271,145 | £585,143 | 812.7% |
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 | 6.5% | 4.0% | £-156 | -7.7% |
| Conservative | £1,304 | 7.1% | 4.8% | £119 | 2.7% |
| Base | £1,402 | 7.6% | 5.3% | £285 | 7.2% |
| Optimistic | £1,514 | 8.3% | 5.9% | £465 | 12.4% |
| Bull | £1,654 | 9.0% | 6.7% | £670 | 18.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.65% |
| Net Yield | ●5.3% |
| Net Annual Income | £11,668 |
| Deductions: void 8% (−£1,346) · mgmt 10% (−£1,683) · maint 10% (−£1,683) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£286 |
| Cash-on-Cash Return | ●4.75% |
| 5-Year IRR | ●7.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £2,880 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,192 | 6.5% | 4.0% | £-156 | -7.7% |
| Conservative | £1,304 | 7.1% | 4.8% | £119 | 2.7% |
| Base | £1,402 | 7.6% | 5.3% | £285 | 7.2% |
| Optimistic | £1,514 | 8.3% | 5.9% | £465 | 12.4% |
| Bull | £1,654 | 9.0% | 6.7% | £670 | 18.9% |
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