🔒 Sign in to view the address — Liverpool
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 52% above the area median. Offers anchored to area median of £118,000. 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
- £180,000
- 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 | £15,174 | £185,400 | £10,480 | £3,730 | £9,130 | 15.4% |
| Yr 3 | £15,942 | £196,691 | £11,033 | £12,017 | £28,708 | 48.5% |
| Yr 5 | £16,749 | £208,669 | £11,614 | £21,452 | £50,121 | 84.7% |
| Yr 10 | £18,950 | £241,905 | £13,199 | £50,450 | £112,355 | 189.8% |
| Yr 15 | £21,440 | £280,434 | £14,992 | £87,986 | £188,420 | 318.3% |
| Yr 20 | £24,258 | £325,100 | £17,021 | £135,183 | £280,283 | 473.5% |
| Yr 25 | £27,446 | £376,880 | £19,316 | £193,308 | £390,188 | 659.1% |
| Yr 30 | £31,052 | £436,907 | £21,913 | £263,799 | £520,707 | 879.6% |
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 | 7.2% | 4.4% | £-69 | -5.9% |
| Conservative | £1,176 | 7.8% | 5.2% | £168 | 4.3% |
| Base | £1,265 | 8.4% | 5.8% | £311 | 8.7% |
| Optimistic | £1,366 | 9.1% | 6.5% | £468 | 13.7% |
| Bull | £1,493 | 10.0% | 7.3% | £647 | 20.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.43% |
| Net Yield | ●5.83% |
| 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 | £561 |
| Monthly Cashflow (IO) | ●£313 |
| Cash-on-Cash Return | ●6.31% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,574 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,075 | 7.2% | 4.4% | £-69 | -5.9% |
| Conservative | £1,176 | 7.8% | 5.2% | £168 | 4.3% |
| Base | £1,265 | 8.4% | 5.8% | £311 | 8.7% |
| Optimistic | £1,366 | 9.1% | 6.5% | £468 | 13.7% |
| Bull | £1,493 | 10.0% | 7.3% | £647 | 20.1% |
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