🔒 Sign in to view the address — Liverpool
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 48% above the area median. Offers anchored to area median of £66,000. 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 | £3,450 |
| 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 | Builders Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £98,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 400–500 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 | £8,026 | £100,940 | £5,334 | £1,659 | £4,599 | 13.7% |
| Yr 3 | £8,433 | £107,087 | £5,626 | £5,414 | £14,501 | 43.3% |
| Yr 5 | £8,859 | £113,609 | £5,934 | £9,776 | £25,384 | 75.8% |
| Yr 10 | £10,024 | £131,704 | £6,772 | £23,543 | £57,247 | 170.9% |
| Yr 15 | £11,341 | £152,681 | £7,720 | £41,826 | £96,507 | 288.1% |
| Yr 20 | £12,831 | £176,999 | £8,793 | £65,219 | £144,218 | 430.5% |
| Yr 25 | £14,517 | £205,190 | £10,007 | £94,393 | £201,583 | 601.7% |
| Yr 30 | £16,425 | £237,872 | £11,381 | £130,108 | £269,979 | 805.9% |
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 | £569 | 7.0% | 4.1% | £-66 | -8.0% |
| Conservative | £622 | 7.6% | 4.9% | £62 | 2.4% |
| Base | £669 | 8.2% | 5.4% | £138 | 6.8% |
| Optimistic | £723 | 8.8% | 6.1% | £222 | 11.8% |
| Bull | £789 | 9.7% | 6.9% | £318 | 18.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.19% |
| Net Yield | ●5.44% |
| Net Annual Income | £5,335 |
| Deductions: void 8% (−£642) · mgmt 10% (−£803) · maint 10% (−£803) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £306 |
| Monthly Cashflow (IO) | ●£139 |
| Cash-on-Cash Return | ●4.96% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,900 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,900 |
| Section 24 Extra Tax/yr (higher rate) | £735 |
| SPV Annual Saving | £1,419 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £113,609 |
| Less: Purchase Price | −£98,000 |
| Less: Buying Costs (SDLT + legal) | −£7,500 |
| Less: Selling Costs (est. 2.5%) | −£2,840 |
| = CGT Net Gain (5yr) | £5,269 |
| CGT at 24% | £545 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £569 | 7.0% | 4.1% | £-66 | -8.0% |
| Conservative | £622 | 7.6% | 4.9% | £62 | 2.4% |
| Base | £669 | 8.2% | 5.4% | £138 | 6.8% |
| Optimistic | £723 | 8.8% | 6.1% | £222 | 11.8% |
| Bull | £789 | 9.7% | 6.9% | £318 | 18.2% |
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