🔒 Sign in to view the address — Liverpool
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 17% below the area median — limited negotiation margin. Strong value at current asking price. 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
- £155,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,500–1,600 sqft
- 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 | £15,174 | £159,650 | £10,481 | £4,668 | £9,318 | 18.2% |
| Yr 3 | £15,943 | £169,373 | £11,034 | £14,831 | £29,203 | 57.0% |
| Yr 5 | £16,750 | £179,687 | £11,615 | £26,141 | £50,829 | 99.3% |
| Yr 10 | £18,951 | £208,307 | £13,200 | £59,829 | £113,136 | 221.0% |
| Yr 15 | £21,441 | £241,485 | £14,993 | £102,055 | £188,540 | 368.2% |
| Yr 20 | £24,259 | £279,947 | £17,021 | £153,942 | £278,889 | 544.7% |
| Yr 25 | £27,447 | £324,536 | £19,316 | £216,758 | £386,294 | 754.5% |
| Yr 30 | £31,053 | £376,226 | £21,913 | £291,940 | £513,166 | 1002.3% |
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
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 | 8.3% | 5.1% | £32 | -2.5% |
| Conservative | £1,176 | 9.1% | 6.1% | £254 | 7.1% |
| Base | £1,265 | 9.8% | 6.8% | £389 | 11.3% |
| Optimistic | £1,366 | 10.6% | 7.5% | £538 | 16.2% |
| Bull | £1,493 | 11.6% | 8.5% | £710 | 22.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.79% |
| Net Yield | ●6.76% |
| Net Annual Income | £10,485 |
| Deductions: void 8% (−£1,214) · mgmt 10% (−£1,517) · maint 10% (−£1,517) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £483 |
| Monthly Cashflow (IO) | ●£391 |
| Cash-on-Cash Return | ●9.13% |
| 5-Year IRR | ●11.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,350 |
| SDLT Effective Rate | 5.39% |
| SDLT (Company) | £8,350 |
| Section 24 Extra Tax/yr (higher rate) | £1,162 |
| SPV Annual Saving | £2,527 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £179,687 |
| Less: Purchase Price | −£155,000 |
| Less: Buying Costs (SDLT + legal) | −£10,950 |
| Less: Selling Costs (est. 2.5%) | −£4,492 |
| = CGT Net Gain (5yr) | £9,245 |
| CGT at 24% | £1,499 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 8.3% | 5.1% | £32 | -2.5% |
| Conservative | £1,176 | 9.1% | 6.1% | £254 | 7.1% |
| Base | £1,265 | 9.8% | 6.8% | £389 | 11.3% |
| Optimistic | £1,366 | 10.6% | 7.5% | £538 | 16.2% |
| Bull | £1,493 | 11.6% | 8.5% | £710 | 22.3% |
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