🔒 Sign in to view the address — Liverpool
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 21% above the area median. Offers anchored to area median of £107,000. 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
- £129,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 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 | £11,228 | £133,848 | £7,639 | £2,766 | £6,664 | 15.4% |
| Yr 3 | £11,796 | £142,000 | £8,048 | £8,909 | £20,959 | 48.5% |
| Yr 5 | £12,393 | £150,648 | £8,478 | £15,901 | £36,599 | 84.8% |
| Yr 10 | £14,022 | £174,642 | £9,651 | £37,386 | £82,078 | 190.1% |
| Yr 15 | £15,864 | £202,458 | £10,977 | £65,189 | £137,696 | 318.9% |
| Yr 20 | £17,949 | £234,704 | £12,478 | £100,139 | £204,893 | 474.5% |
| Yr 25 | £20,308 | £272,086 | £14,177 | £143,176 | £285,312 | 660.7% |
| Yr 30 | £22,976 | £315,423 | £16,098 | £195,363 | £380,835 | 881.9% |
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 | £796 | 7.3% | 4.4% | £-48 | -5.9% |
| Conservative | £870 | 8.0% | 5.3% | £126 | 4.3% |
| Base | £936 | 8.6% | 5.9% | £231 | 8.7% |
| Optimistic | £1,011 | 9.3% | 6.6% | £345 | 13.6% |
| Bull | £1,104 | 10.2% | 7.4% | £477 | 20.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.64% |
| Net Yield | ●5.88% |
| Net Annual Income | £7,642 |
| Deductions: void 8% (−£898) · mgmt 10% (−£1,123) · maint 10% (−£1,123) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£232 |
| Cash-on-Cash Return | ●6.41% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,596 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,596 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,928 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,648 |
| Less: Purchase Price | −£129,950 |
| Less: Buying Costs (SDLT + legal) | −£9,196 |
| Less: Selling Costs (est. 2.5%) | −£3,766 |
| = CGT Net Gain (5yr) | £7,736 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £796 | 7.3% | 4.4% | £-48 | -5.9% |
| Conservative | £870 | 8.0% | 5.3% | £126 | 4.3% |
| Base | £936 | 8.6% | 5.9% | £231 | 8.7% |
| Optimistic | £1,011 | 9.3% | 6.6% | £345 | 13.6% |
| Bull | £1,104 | 10.2% | 7.4% | £477 | 20.0% |
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