🔒 Sign in to view the address — Liverpool
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 40% above the area median. Offers anchored to area median of £103,000. 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 | £1,100 |
| Bedroom 2 | £1,100 |
| Bedroom 3 | £1,100 |
| 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
- £145,000
- Property Type
- Terraced
- Bedrooms
- 3
- 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 | £11,238 | £149,350 | £7,646 | £2,208 | £6,558 | 13.7% |
| Yr 3 | £11,806 | £158,445 | £8,056 | £7,237 | £20,683 | 43.1% |
| Yr 5 | £12,404 | £168,095 | £8,486 | £13,116 | £36,211 | 75.4% |
| Yr 10 | £14,034 | £194,868 | £9,660 | £31,822 | £81,689 | 170.2% |
| Yr 15 | £15,878 | £225,905 | £10,987 | £56,850 | £137,755 | 287.0% |
| Yr 20 | £17,965 | £261,886 | £12,490 | £89,032 | £205,918 | 429.0% |
| Yr 25 | £20,326 | £303,598 | £14,189 | £129,308 | £287,906 | 599.8% |
| Yr 30 | £22,997 | £351,953 | £16,112 | £178,742 | £385,695 | 803.5% |
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 | £796 | 6.6% | 4.0% | £-109 | -8.0% |
| Conservative | £870 | 7.2% | 4.7% | £74 | 2.5% |
| Base | £936 | 7.7% | 5.3% | £184 | 7.0% |
| Optimistic | £1,011 | 8.4% | 5.9% | £303 | 12.1% |
| Bull | £1,104 | 9.1% | 6.6% | £440 | 18.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.75% |
| Net Yield | ●5.27% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£899) · mgmt 10% (−£1,124) · maint 10% (−£1,124) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£185 |
| Cash-on-Cash Return | ●4.59% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £1,956 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 6.6% | 4.0% | £-109 | -8.0% |
| Conservative | £870 | 7.2% | 4.7% | £74 | 2.5% |
| Base | £936 | 7.7% | 5.3% | £184 | 7.0% |
| Optimistic | £1,011 | 8.4% | 5.9% | £303 | 12.1% |
| Bull | £1,104 | 9.1% | 6.6% | £440 | 18.6% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →