🔒 Sign in to view the address — Blackburn
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 9% above the area median. Offers anchored to area median of £209,000. 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 | Sattar Builders - Construction Company | Blackburn | 07846 549687 | — |
| decorator | Painter and Decorator Blackburn | 5-Star Local Expert | 07958628825 | — |
| photographer | Wedding photographer Blackburn | Darwen | Bolton ... | 07801 387933 | — |
Property Details
- Asking Price
- £230,000
- Property Type
- Semi-Detached
- 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 | £13,271 | £236,900 | £9,110 | £485 | £7,385 | 9.8% |
| Yr 3 | £13,943 | £251,327 | £9,594 | £2,178 | £23,505 | 31.3% |
| Yr 5 | £14,649 | £266,633 | £10,102 | £4,875 | £41,508 | 55.2% |
| Yr 10 | £16,574 | £309,101 | £11,488 | £16,350 | £95,450 | 126.9% |
| Yr 15 | £18,752 | £358,333 | £13,056 | £35,292 | £163,624 | 217.6% |
| Yr 20 | £21,216 | £415,406 | £14,830 | £62,682 | £248,088 | 329.9% |
| Yr 25 | £24,004 | £481,569 | £16,838 | £99,632 | £351,200 | 467.0% |
| Yr 30 | £27,158 | £558,270 | £19,109 | £147,396 | £475,666 | 632.5% |
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: 999 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £940 | 4.9% | 3.0% | £-360 | -12.7% |
| Conservative | £1,029 | 5.4% | 3.6% | £-108 | -1.5% |
| Base | £1,106 | 5.8% | 4.0% | £40 | 3.3% |
| Optimistic | £1,194 | 6.2% | 4.4% | £200 | 8.8% |
| Bull | £1,305 | 6.8% | 5.0% | £380 | 15.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.77% |
| Net Yield | ●3.96% |
| Net Annual Income | £9,111 |
| Deductions: void 8% (−£1,062) · mgmt 10% (−£1,327) · maint 10% (−£1,327) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £717 |
| Monthly Cashflow (IO) | ●£42 |
| Cash-on-Cash Return | ●0.65% |
| 5-Year IRR | ●3.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £13,600 |
| SDLT Effective Rate | 5.91% |
| SDLT (Company) | £13,600 |
| Section 24 Extra Tax/yr (higher rate) | £1,725 |
| SPV Annual Saving | £2,400 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £266,633 |
| Less: Purchase Price | −£230,000 |
| Less: Buying Costs (SDLT + legal) | −£16,200 |
| Less: Selling Costs (est. 2.5%) | −£6,666 |
| = CGT Net Gain (5yr) | £13,767 |
| CGT at 24% | £2,584 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £940 | 4.9% | 3.0% | £-360 | -12.7% |
| Conservative | £1,029 | 5.4% | 3.6% | £-108 | -1.5% |
| Base | £1,106 | 5.8% | 4.0% | £40 | 3.3% |
| Optimistic | £1,194 | 6.2% | 4.4% | £200 | 8.8% |
| Bull | £1,305 | 6.8% | 5.0% | £380 | 15.6% |
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