🔒 Sign in to view the address — Liverpool
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 78% above the area median. Offers anchored to area median of £112,000. 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 Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £199,500
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £15,182 | £205,485 | £10,486 | £3,005 | £8,990 | 13.7% |
| Yr 3 | £15,951 | £217,999 | £11,039 | £9,841 | £28,340 | 43.3% |
| Yr 5 | £16,758 | £231,275 | £11,621 | £17,826 | £49,601 | 75.8% |
| Yr 10 | £18,960 | £268,111 | £13,206 | £43,202 | £111,813 | 170.9% |
| Yr 15 | £21,452 | £310,814 | £15,000 | £77,120 | £188,435 | 288.0% |
| Yr 20 | £24,271 | £360,319 | £17,030 | £120,704 | £281,523 | 430.2% |
| Yr 25 | £27,460 | £417,709 | £19,326 | £175,222 | £393,431 | 601.2% |
| Yr 30 | £31,068 | £484,239 | £21,924 | £242,113 | £526,852 | 805.1% |
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 | £1,075 | 6.5% | 4.0% | £-149 | -7.9% |
| Conservative | £1,176 | 7.1% | 4.7% | £101 | 2.5% |
| Base | £1,265 | 7.6% | 5.3% | £250 | 7.1% |
| Optimistic | £1,366 | 8.2% | 5.9% | £413 | 12.2% |
| Bull | £1,493 | 9.0% | 6.6% | £599 | 18.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.61% |
| Net Yield | ●5.26% |
| Net Annual Income | £10,485 |
| Deductions: void 8% (−£1,215) · mgmt 10% (−£1,518) · maint 10% (−£1,518) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £622 |
| Monthly Cashflow (IO) | ●£252 |
| Cash-on-Cash Return | ●4.59% |
| 5-Year IRR | ●7.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,465 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,465 |
| Section 24 Extra Tax/yr (higher rate) | £1,496 |
| SPV Annual Saving | £2,610 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,275 |
| Less: Purchase Price | −£199,500 |
| Less: Buying Costs (SDLT + legal) | −£14,065 |
| Less: Selling Costs (est. 2.5%) | −£5,782 |
| = CGT Net Gain (5yr) | £11,928 |
| CGT at 24% | £2,143 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 6.5% | 4.0% | £-149 | -7.9% |
| Conservative | £1,176 | 7.1% | 4.7% | £101 | 2.5% |
| Base | £1,265 | 7.6% | 5.3% | £250 | 7.1% |
| Optimistic | £1,366 | 8.2% | 5.9% | £413 | 12.2% |
| Bull | £1,493 | 9.0% | 6.6% | £599 | 18.7% |
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