🔒 Sign in to view the address — 209 Palatine Road
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 29% above the area median. Offers anchored to area median of £100,000. 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 Blackpool Ltd| Trusted Local Builders | 07487 678364 | — |
| decorator | Painter and decorator | Fantastic Finish Decorators | 07464 967 344 | — |
| photographer | Creative Portraits | 07549 946326 | — |
Property Details
- Asking Price
- £130,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
📈 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 | £12,168 | £133,900 | £8,316 | £3,441 | £7,341 | 17.0% |
| Yr 3 | £12,784 | £142,055 | £8,759 | £10,985 | £23,040 | 53.3% |
| Yr 5 | £13,431 | £150,706 | £9,225 | £19,450 | £40,156 | 93.0% |
| Yr 10 | £15,196 | £174,709 | £10,496 | £44,952 | £89,662 | 207.5% |
| Yr 15 | £17,193 | £202,536 | £11,934 | £77,301 | £149,837 | 346.8% |
| Yr 20 | £19,452 | £234,794 | £13,561 | £117,396 | £222,190 | 514.3% |
| Yr 25 | £22,009 | £272,191 | £15,401 | £166,255 | £308,446 | 714.0% |
| Yr 30 | £24,901 | £315,544 | £17,483 | £225,030 | £410,574 | 950.4% |
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
View all planning applications on your dashboard →
● 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 | £862 | 8.0% | 4.8% | £-5 | -4.0% |
| Conservative | £943 | 8.7% | 5.8% | £176 | 5.9% |
| Base | £1,014 | 9.4% | 6.4% | £287 | 10.1% |
| Optimistic | £1,095 | 10.1% | 7.1% | £408 | 15.0% |
| Bull | £1,197 | 11.0% | 8.1% | £547 | 21.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.36% |
| Net Yield | ●6.4% |
| Net Annual Income | £8,316 |
| Deductions: void 8% (−£973) · mgmt 10% (−£1,217) · maint 10% (−£1,217) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£288 |
| Cash-on-Cash Return | ●7.97% |
| 5-Year IRR | ●10.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £2,059 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £862 | 8.0% | 4.8% | £-5 | -4.0% |
| Conservative | £943 | 8.7% | 5.8% | £176 | 5.9% |
| Base | £1,014 | 9.4% | 6.4% | £287 | 10.1% |
| Optimistic | £1,095 | 10.1% | 7.1% | £408 | 15.0% |
| Bull | £1,197 | 11.0% | 8.1% | £547 | 21.3% |
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