🔒 Sign in to view the address — Liverpool
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 42% above the area median. Offers anchored to area median of £106,000. 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 | £1,700 |
| Bedroom 2 | £1,700 |
| 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
- £150,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 600–700 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 | £12,000 | £154,500 | £8,195 | £2,570 | £7,070 | 14.3% |
| Yr 3 | £12,607 | £163,909 | £8,632 | £8,363 | £22,272 | 44.9% |
| Yr 5 | £13,246 | £173,891 | £9,092 | £15,065 | £38,956 | 78.5% |
| Yr 10 | £14,986 | £201,587 | £10,345 | £36,097 | £87,685 | 176.8% |
| Yr 15 | £16,956 | £233,695 | £11,763 | £63,882 | £147,577 | 297.5% |
| Yr 20 | £19,184 | £270,917 | £13,367 | £99,306 | £220,223 | 444.0% |
| Yr 25 | £21,705 | £314,067 | £15,182 | £143,373 | £307,440 | 619.8% |
| Yr 30 | £24,557 | £364,089 | £17,236 | £197,219 | £411,309 | 829.3% |
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?
📄 Lease Information
Estimated remaining lease: 106 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £850 | 6.8% | 4.1% | £-94 | -7.3% |
| Conservative | £930 | 7.4% | 4.9% | £98 | 3.1% |
| Base | £1,000 | 8.0% | 5.5% | £214 | 7.5% |
| Optimistic | £1,080 | 8.6% | 6.1% | £340 | 12.6% |
| Bull | £1,180 | 9.4% | 6.9% | £485 | 19.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.0% |
| Net Yield | ●5.46% |
| Net Annual Income | £8,195 |
| Deductions: void 8% (−£960) · mgmt 10% (−£1,200) · maint 10% (−£1,200) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£215 |
| Cash-on-Cash Return | ●5.18% |
| 5-Year IRR | ●7.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,073 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £850 | 6.8% | 4.1% | £-94 | -7.3% |
| Conservative | £930 | 7.4% | 4.9% | £98 | 3.1% |
| Base | £1,000 | 8.0% | 5.5% | £214 | 7.5% |
| Optimistic | £1,080 | 8.6% | 6.1% | £340 | 12.6% |
| Bull | £1,180 | 9.4% | 6.9% | £485 | 19.1% |
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