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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 13% below the area median — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Building and Property Services In Bolton - Hinsley & Sons | 01204 391 797 | — |
| decorator | Wallpapering, Painting & Decorating | Bolton | Westhoughton | DJ ... | 07976 238237 | — |
| photographer | Martin Newton Photography - HOME | 07841411638 | — |
Property Details
- Asking Price
- £117,500
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £10,058 | £121,025 | £6,797 | £2,391 | £5,916 | 15.0% |
| Yr 3 | £10,567 | £128,395 | £7,163 | £7,719 | £18,615 | 47.3% |
| Yr 5 | £11,102 | £136,215 | £7,549 | £13,809 | £32,524 | 82.7% |
| Yr 10 | £12,561 | £157,910 | £8,599 | £32,620 | £73,030 | 185.6% |
| Yr 15 | £14,212 | £183,061 | £9,787 | £57,090 | £122,651 | 311.7% |
| Yr 20 | £16,079 | £212,218 | £11,132 | £87,963 | £182,681 | 464.2% |
| Yr 25 | £18,192 | £246,019 | £12,653 | £126,081 | £254,600 | 647.0% |
| Yr 30 | £20,583 | £285,203 | £14,375 | £172,395 | £340,099 | 864.3% |
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: 722 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £712 | 7.3% | 4.3% | £-51 | -6.4% |
| Conservative | £779 | 8.0% | 5.2% | £105 | 3.8% |
| Base | £838 | 8.6% | 5.8% | £199 | 8.2% |
| Optimistic | £905 | 9.2% | 6.5% | £302 | 13.2% |
| Bull | £989 | 10.1% | 7.3% | £421 | 19.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.56% |
| Net Yield | ●5.78% |
| Net Annual Income | £6,795 |
| Deductions: void 8% (−£805) · mgmt 10% (−£1,006) · maint 10% (−£1,006) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £366 |
| Monthly Cashflow (IO) | ●£200 |
| Cash-on-Cash Return | ●6.07% |
| 5-Year IRR | ●8.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,875 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,875 |
| Section 24 Extra Tax/yr (higher rate) | £881 |
| SPV Annual Saving | £1,740 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £136,215 |
| Less: Purchase Price | −£117,500 |
| Less: Buying Costs (SDLT + legal) | −£8,475 |
| Less: Selling Costs (est. 2.5%) | −£3,405 |
| = CGT Net Gain (5yr) | £6,835 |
| CGT at 24% | £920 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £712 | 7.3% | 4.3% | £-51 | -6.4% |
| Conservative | £779 | 8.0% | 5.2% | £105 | 3.8% |
| Base | £838 | 8.6% | 5.8% | £199 | 8.2% |
| Optimistic | £905 | 9.2% | 6.5% | £302 | 13.2% |
| Bull | £989 | 10.1% | 7.3% | £421 | 19.6% |
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