🔒 Sign in to view the address — Salford
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 in Manchester | Extensions, Roofing & Brickwork | 0161 506 8790 | — |
| decorator | Top Residential Decorators in Manchester | Ever Prime Painters I ... | 07359 772816 | — |
| photographer | Professional Photographer Manchester | +447400925109 | — |
Property Details
- Asking Price
- £245,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 | £21,192 | £252,350 | £14,814 | £5,626 | £12,976 | 16.2% |
| Yr 3 | £22,265 | £267,718 | £15,586 | £18,032 | £40,750 | 50.9% |
| Yr 5 | £23,393 | £284,022 | £16,398 | £32,042 | £71,064 | 88.8% |
| Yr 10 | £26,467 | £329,260 | £18,611 | £74,623 | £158,882 | 198.6% |
| Yr 15 | £29,944 | £381,702 | £21,115 | £129,129 | £265,831 | 332.3% |
| Yr 20 | £33,879 | £442,497 | £23,948 | £197,126 | £394,623 | 493.3% |
| Yr 25 | £38,331 | £512,976 | £27,154 | £280,387 | £548,363 | 685.5% |
| Yr 30 | £43,368 | £594,679 | £30,780 | £380,919 | £730,598 | 913.2% |
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 | £1,502 | 7.4% | 4.6% | £-56 | -4.9% |
| Conservative | £1,643 | 8.0% | 5.5% | £271 | 5.1% |
| Base | £1,767 | 8.7% | 6.0% | £470 | 9.4% |
| Optimistic | £1,908 | 9.3% | 6.7% | £686 | 14.5% |
| Bull | £2,085 | 10.2% | 7.6% | £935 | 20.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.65% |
| Net Yield | ●6.05% |
| Net Annual Income | £14,822 |
| Deductions: void 8% (−£1,695) · mgmt 10% (−£2,119) · maint 10% (−£2,119) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £764 |
| Monthly Cashflow (IO) | ●£471 |
| Cash-on-Cash Return | ●7.04% |
| 5-Year IRR | ●9.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £14,650 |
| SDLT Effective Rate | 5.98% |
| SDLT (Company) | £14,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,838 |
| SPV Annual Saving | £3,539 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £284,022 |
| Less: Purchase Price | −£245,000 |
| Less: Buying Costs (SDLT + legal) | −£17,250 |
| Less: Selling Costs (est. 2.5%) | −£7,101 |
| = CGT Net Gain (5yr) | £14,671 |
| CGT at 24% | £2,801 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,502 | 7.4% | 4.6% | £-56 | -4.9% |
| Conservative | £1,643 | 8.0% | 5.5% | £271 | 5.1% |
| Base | £1,767 | 8.7% | 6.0% | £470 | 9.4% |
| Optimistic | £1,908 | 9.3% | 6.7% | £686 | 14.5% |
| Bull | £2,085 | 10.2% | 7.6% | £935 | 20.8% |
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