🔒 Sign in to view the address — Liverpool
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 36% above the area median. Offers anchored to area median of £80,000. 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
- £109,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £9,777 | £112,270 | £6,595 | £2,507 | £5,777 | 15.7% |
| Yr 3 | £10,272 | £119,107 | £6,951 | £8,054 | £18,161 | 49.4% |
| Yr 5 | £10,792 | £126,361 | £7,325 | £14,340 | £31,701 | 86.1% |
| Yr 10 | £12,211 | £146,487 | £8,347 | £33,543 | £71,030 | 193.0% |
| Yr 15 | £13,815 | £169,818 | £9,502 | £58,247 | £119,066 | 323.5% |
| Yr 20 | £15,630 | £196,866 | £10,809 | £89,176 | £177,042 | 481.1% |
| Yr 25 | £17,684 | £228,222 | £12,288 | £127,146 | £246,368 | 669.5% |
| Yr 30 | £20,008 | £264,572 | £13,961 | £173,085 | £328,657 | 893.1% |
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 | £693 | 7.6% | 4.5% | £-30 | -5.6% |
| Conservative | £758 | 8.3% | 5.4% | £119 | 4.5% |
| Base | £815 | 9.0% | 6.1% | £209 | 8.8% |
| Optimistic | £880 | 9.7% | 6.8% | £308 | 13.7% |
| Bull | £962 | 10.6% | 7.6% | £421 | 20.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.97% |
| Net Yield | ●6.05% |
| Net Annual Income | £6,597 |
| Deductions: void 8% (−£782) · mgmt 10% (−£978) · maint 10% (−£978) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £340 |
| Monthly Cashflow (IO) | ●£210 |
| Cash-on-Cash Return | ●6.82% |
| 5-Year IRR | ●8.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,450 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,450 |
| Section 24 Extra Tax/yr (higher rate) | £818 |
| SPV Annual Saving | £1,685 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £126,361 |
| Less: Purchase Price | −£109,000 |
| Less: Buying Costs (SDLT + legal) | −£8,050 |
| Less: Selling Costs (est. 2.5%) | −£3,159 |
| = CGT Net Gain (5yr) | £6,152 |
| CGT at 24% | £756 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 7.6% | 4.5% | £-30 | -5.6% |
| Conservative | £758 | 8.3% | 5.4% | £119 | 4.5% |
| Base | £815 | 9.0% | 6.1% | £209 | 8.8% |
| Optimistic | £880 | 9.7% | 6.8% | £308 | 13.7% |
| Bull | £962 | 10.6% | 7.6% | £421 | 20.0% |
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