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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 20% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £3,450 |
| Entrance Hall | £350 |
| 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 | Construction company | A.D.Williamson & Sons, Stockport | 0161 768 0520 | — |
| photographer | Stockport Photographer - Venture Photography Studios | 0161 4314040 | — |
Property Details
- Asking Price
- £120,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £9,468 | £123,600 | £6,372 | £1,872 | £5,472 | 13.6% |
| Yr 3 | £9,947 | £131,127 | £6,717 | £6,131 | £17,259 | 43.0% |
| Yr 5 | £10,451 | £139,113 | £7,080 | £11,107 | £30,220 | 75.4% |
| Yr 10 | £11,824 | £161,270 | £8,068 | £26,923 | £68,193 | 170.1% |
| Yr 15 | £13,378 | £186,956 | £9,187 | £48,066 | £115,022 | 286.8% |
| Yr 20 | £15,136 | £216,733 | £10,453 | £75,237 | £171,970 | 428.9% |
| Yr 25 | £17,125 | £251,253 | £11,885 | £109,227 | £240,480 | 599.7% |
| Yr 30 | £19,375 | £291,271 | £13,505 | £150,933 | £322,204 | 803.5% |
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?
📄 Lease Information
Estimated remaining lease: 993 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £671 | 6.7% | 4.0% | £-89 | -8.1% |
| Conservative | £734 | 7.3% | 4.8% | £64 | 2.4% |
| Base | £789 | 7.9% | 5.3% | £156 | 6.9% |
| Optimistic | £852 | 8.5% | 5.9% | £256 | 12.0% |
| Bull | £931 | 9.3% | 6.7% | £370 | 18.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.89% |
| Net Yield | ●5.31% |
| Net Annual Income | £6,372 |
| Deductions: void 8% (−£757) · mgmt 10% (−£947) · maint 10% (−£947) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£157 |
| Cash-on-Cash Return | ●4.67% |
| 5-Year IRR | ●6.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £1,662 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £671 | 6.7% | 4.0% | £-89 | -8.1% |
| Conservative | £734 | 7.3% | 4.8% | £64 | 2.4% |
| Base | £789 | 7.9% | 5.3% | £156 | 6.9% |
| Optimistic | £852 | 8.5% | 5.9% | £256 | 12.0% |
| Bull | £931 | 9.3% | 6.7% | £370 | 18.5% |
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