🔒 Sign in to view the address — Bolton
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the area median — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North West rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,600 |
| Bathroom | £1,200 |
| Living Room | £700 |
| Hallway / Stairs | £250 |
| Master Bedroom | £850 |
| Bedroom 2 | £850 |
| Total Estimated Refurb | £4,500 |
⚠ 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 | Building and Property Services In Bolton - Hinsley & Sons | 01204 391 797 | — |
| decorator | Wallpapering, Painting & Decorating | Bolton | Westhoughton | DJ ... | 07976 238237 | — |
| photographer | Martin Newton Photography - HOME | 07841411638 | — |
Property Details
- Asking Price
- £190,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- 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 | £11,343 | £195,700 | £7,722 | £597 | £6,297 | 10.1% |
| Yr 3 | £11,917 | £207,618 | £8,135 | £2,409 | £20,027 | 32.1% |
| Yr 5 | £12,521 | £220,262 | £8,570 | £5,078 | £35,340 | 56.6% |
| Yr 10 | £14,166 | £255,344 | £9,754 | £15,798 | £81,142 | 130.0% |
| Yr 15 | £16,027 | £296,014 | £11,095 | £32,899 | £138,913 | 222.6% |
| Yr 20 | £18,133 | £343,161 | £12,611 | £57,222 | £210,383 | 337.2% |
| Yr 25 | £20,516 | £397,818 | £14,327 | £89,715 | £297,533 | 476.8% |
| Yr 30 | £23,212 | £461,180 | £16,268 | £131,452 | £402,631 | 645.2% |
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 | £803 | 5.1% | 3.1% | £-287 | -12.4% |
| Conservative | £879 | 5.6% | 3.7% | £-75 | -1.2% |
| Base | £945 | 6.0% | 4.1% | £50 | 3.6% |
| Optimistic | £1,021 | 6.4% | 4.5% | £184 | 9.0% |
| Bull | £1,115 | 7.0% | 5.1% | £335 | 15.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.97% |
| Net Yield | ●4.06% |
| Net Annual Income | £7,720 |
| Deductions: void 8% (−£907) · mgmt 10% (−£1,134) · maint 10% (−£1,134) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£50 |
| Cash-on-Cash Return | ●0.95% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £2,055 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £803 | 5.1% | 3.1% | £-287 | -12.4% |
| Conservative | £879 | 5.6% | 3.7% | £-75 | -1.2% |
| Base | £945 | 6.0% | 4.1% | £50 | 3.6% |
| Optimistic | £1,021 | 6.4% | 4.5% | £184 | 9.0% |
| Bull | £1,115 | 7.0% | 5.1% | £335 | 15.8% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →