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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 £103,000. 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 | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| 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 | SJP Building Services - Builders Of Excellence In Every Job | 07855 259 927 | — |
| decorator | Parkinson Decorators | 07702 360597 | — |
| photographer | Key Photography Wigan - Photographed by Kieran Johnson | 01942 236398 | — |
Property Details
- Asking Price
- £125,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- 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 | £9,788 | £128,750 | £6,602 | £1,914 | £5,664 | 13.6% |
| Yr 3 | £10,283 | £136,591 | £6,959 | £6,276 | £17,867 | 43.0% |
| Yr 5 | £10,804 | £144,909 | £7,334 | £11,379 | £31,288 | 75.2% |
| Yr 10 | £12,223 | £167,990 | £8,356 | £27,625 | £70,615 | 169.7% |
| Yr 15 | £13,829 | £194,746 | £9,512 | £49,379 | £119,125 | 286.4% |
| Yr 20 | £15,647 | £225,764 | £10,821 | £77,363 | £178,127 | 428.2% |
| Yr 25 | £17,703 | £261,722 | £12,301 | £112,397 | £249,120 | 598.8% |
| Yr 30 | £20,029 | £303,408 | £13,976 | £155,407 | £333,815 | 802.4% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — North West England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 881 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £694 | 6.7% | 4.0% | £-94 | -8.1% |
| Conservative | £759 | 7.3% | 4.7% | £64 | 2.4% |
| Base | £816 | 7.8% | 5.3% | £160 | 6.9% |
| Optimistic | £881 | 8.5% | 5.9% | £264 | 12.0% |
| Bull | £963 | 9.2% | 6.7% | £382 | 18.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.83% |
| Net Yield | ●5.28% |
| Net Annual Income | £6,605 |
| Deductions: void 8% (−£783) · mgmt 10% (−£979) · maint 10% (−£979) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£160 |
| Cash-on-Cash Return | ●4.61% |
| 5-Year IRR | ●6.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £1,717 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £694 | 6.7% | 4.0% | £-94 | -8.1% |
| Conservative | £759 | 7.3% | 4.7% | £64 | 2.4% |
| Base | £816 | 7.8% | 5.3% | £160 | 6.9% |
| Optimistic | £881 | 8.5% | 5.9% | £264 | 12.0% |
| Bull | £963 | 9.2% | 6.7% | £382 | 18.5% |
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