🔒 Sign in to view the address — Oldham
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 27% above the area median. Offers anchored to area median of £149,000. 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 | Local Builder in Oldham, Garage Conversions in Oldham | 01616417359 | — |
| decorator | MAS Painting & Decorating - Your Painting Experts in Oldham | 01616786806 | — |
| photographer | holden photography | 0161 624 9898 | — |
Property Details
- Asking Price
- £190,000
- 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 | £16,720 | £195,700 | £11,593 | £4,468 | £10,168 | 16.3% |
| Yr 3 | £17,566 | £207,618 | £12,203 | £14,316 | £31,934 | 51.2% |
| Yr 5 | £18,456 | £220,262 | £12,843 | £25,428 | £55,690 | 89.2% |
| Yr 10 | £20,881 | £255,344 | £14,589 | £59,171 | £124,515 | 199.5% |
| Yr 15 | £23,625 | £296,014 | £16,565 | £102,322 | £208,336 | 333.9% |
| Yr 20 | £26,729 | £343,161 | £18,800 | £156,117 | £309,278 | 495.6% |
| Yr 25 | £30,242 | £397,818 | £21,329 | £221,955 | £429,773 | 688.7% |
| Yr 30 | £34,216 | £461,180 | £24,190 | £301,418 | £572,598 | 917.6% |
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?
📄 Lease Information
Estimated remaining lease: 835 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,185 | 7.5% | 4.6% | £-39 | -4.8% |
| Conservative | £1,296 | 8.2% | 5.5% | £217 | 5.2% |
| Base | £1,394 | 8.8% | 6.1% | £373 | 9.5% |
| Optimistic | £1,506 | 9.5% | 6.8% | £543 | 14.5% |
| Bull | £1,645 | 10.4% | 7.7% | £738 | 20.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.8% |
| Net Yield | ●6.1% |
| Net Annual Income | £11,599 |
| Deductions: void 8% (−£1,338) · mgmt 10% (−£1,672) · maint 10% (−£1,672) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£374 |
| Cash-on-Cash Return | ●7.17% |
| 5-Year IRR | ●9.5% |
● 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 | £2,810 |
| 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 | £1,185 | 7.5% | 4.6% | £-39 | -4.8% |
| Conservative | £1,296 | 8.2% | 5.5% | £217 | 5.2% |
| Base | £1,394 | 8.8% | 6.1% | £373 | 9.5% |
| Optimistic | £1,506 | 9.5% | 6.8% | £543 | 14.5% |
| Bull | £1,645 | 10.4% | 7.7% | £738 | 20.8% |
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