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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £155,000. 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 | £1,700 |
| Bedroom 2 | £1,700 |
| 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
- £170,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £14,518 | £175,100 | £10,008 | £3,633 | £8,733 | 15.6% |
| Yr 3 | £15,253 | £185,764 | £10,537 | £11,689 | £27,453 | 49.0% |
| Yr 5 | £16,025 | £197,077 | £11,093 | £20,844 | £47,921 | 85.6% |
| Yr 10 | £18,131 | £228,466 | £12,609 | £48,909 | £107,374 | 191.7% |
| Yr 15 | £20,514 | £264,854 | £14,325 | £85,142 | £179,996 | 321.4% |
| Yr 20 | £23,209 | £307,039 | £16,266 | £130,617 | £267,656 | 478.0% |
| Yr 25 | £26,259 | £355,942 | £18,462 | £186,550 | £372,492 | 665.2% |
| Yr 30 | £29,710 | £412,635 | £20,946 | £254,313 | £496,948 | 887.4% |
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 | £1,028 | 7.3% | 4.5% | £-59 | -5.7% |
| Conservative | £1,125 | 7.9% | 5.3% | £166 | 4.4% |
| Base | £1,210 | 8.5% | 5.9% | £303 | 8.8% |
| Optimistic | £1,307 | 9.2% | 6.6% | £452 | 13.8% |
| Bull | £1,428 | 10.1% | 7.4% | £623 | 20.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.54% |
| Net Yield | ●5.89% |
| Net Annual Income | £10,009 |
| Deductions: void 8% (−£1,161) · mgmt 10% (−£1,452) · maint 10% (−£1,452) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£304 |
| Cash-on-Cash Return | ●6.49% |
| 5-Year IRR | ●8.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £2,463 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,028 | 7.3% | 4.5% | £-59 | -5.7% |
| Conservative | £1,125 | 7.9% | 5.3% | £166 | 4.4% |
| Base | £1,210 | 8.5% | 5.9% | £303 | 8.8% |
| Optimistic | £1,307 | 9.2% | 6.6% | £452 | 13.8% |
| Bull | £1,428 | 10.1% | 7.4% | £623 | 20.2% |
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