🔒 Sign in to view the address — Stockport
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | Construction company | A.D.Williamson & Sons, Stockport | 0161 768 0520 | — |
| photographer | Stockport Photographer - Venture Photography Studios | 0161 4314040 | — |
Property Details
- Asking Price
- £205,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £12,074 | £211,150 | £8,249 | £561 | £6,711 | 10.0% |
| Yr 3 | £12,686 | £224,009 | £8,689 | £2,341 | £21,350 | 31.8% |
| Yr 5 | £13,328 | £237,651 | £9,151 | £5,034 | £37,685 | 56.1% |
| Yr 10 | £15,079 | £275,503 | £10,412 | £16,073 | £86,576 | 128.8% |
| Yr 15 | £17,061 | £319,383 | £11,839 | £33,906 | £148,290 | 220.7% |
| Yr 20 | £19,303 | £370,253 | £13,453 | £59,426 | £224,679 | 334.3% |
| Yr 25 | £21,839 | £429,224 | £15,279 | £93,643 | £317,867 | 473.0% |
| Yr 30 | £24,709 | £497,589 | £17,346 | £137,699 | £430,288 | 640.3% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £855 | 5.0% | 3.0% | £-314 | -12.5% |
| Conservative | £936 | 5.5% | 3.6% | £-87 | -1.3% |
| Base | £1,006 | 5.9% | 4.0% | £47 | 3.5% |
| Optimistic | £1,086 | 6.4% | 4.5% | £190 | 8.9% |
| Bull | £1,187 | 6.9% | 5.1% | £353 | 15.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.89% |
| Net Yield | ●4.02% |
| Net Annual Income | £8,247 |
| Deductions: void 8% (−£966) · mgmt 10% (−£1,207) · maint 10% (−£1,207) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £639 |
| Monthly Cashflow (IO) | ●£48 |
| Cash-on-Cash Return | ●0.83% |
| 5-Year IRR | ●3.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,850 |
| SDLT Effective Rate | 5.78% |
| SDLT (Company) | £11,850 |
| Section 24 Extra Tax/yr (higher rate) | £1,538 |
| SPV Annual Saving | £2,186 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £237,651 |
| Less: Purchase Price | −£205,000 |
| Less: Buying Costs (SDLT + legal) | −£14,450 |
| Less: Selling Costs (est. 2.5%) | −£5,941 |
| = CGT Net Gain (5yr) | £12,260 |
| CGT at 24% | £2,222 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £855 | 5.0% | 3.0% | £-314 | -12.5% |
| Conservative | £936 | 5.5% | 3.6% | £-87 | -1.3% |
| Base | £1,006 | 5.9% | 4.0% | £47 | 3.5% |
| Optimistic | £1,086 | 6.4% | 4.5% | £190 | 8.9% |
| Bull | £1,187 | 6.9% | 5.1% | £353 | 15.7% |
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