🔒 Sign in to view the address — Oldham
Apartment · 1 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 | £3,450 |
| Bathroom | £2,500 |
| Living Room | £1,500 |
| Master Bedroom | £3,450 |
| Entrance Hall | £350 |
| 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
- £80,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 500–600 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 | £8,064 | £82,400 | £5,361 | £2,361 | £4,761 | 16.9% |
| Yr 3 | £8,472 | £87,418 | £5,655 | £7,522 | £14,940 | 53.2% |
| Yr 5 | £8,901 | £92,742 | £5,964 | £13,294 | £26,036 | 92.7% |
| Yr 10 | £10,071 | £107,513 | £6,806 | £30,598 | £58,111 | 206.8% |
| Yr 15 | £11,394 | £124,637 | £7,759 | £52,439 | £97,077 | 345.5% |
| Yr 20 | £12,892 | £144,489 | £8,837 | £79,414 | £143,903 | 512.1% |
| Yr 25 | £14,586 | £167,502 | £10,057 | £112,198 | £199,700 | 710.7% |
| Yr 30 | £16,502 | £194,181 | £11,437 | £151,553 | £265,734 | 945.7% |
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: 119 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £571 | 8.6% | 5.0% | £9 | -4.1% |
| Conservative | £625 | 9.4% | 6.0% | £125 | 5.6% |
| Base | £672 | 10.1% | 6.7% | £197 | 9.8% |
| Optimistic | £726 | 10.9% | 7.5% | £275 | 14.5% |
| Bull | £793 | 11.9% | 8.5% | £366 | 20.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.08% |
| Net Yield | ●6.7% |
| Net Annual Income | £5,361 |
| Deductions: void 8% (−£645) · mgmt 10% (−£806) · maint 10% (−£806) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £250 |
| Monthly Cashflow (IO) | ●£197 |
| Cash-on-Cash Return | ●8.4% |
| 5-Year IRR | ●9.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,000 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,390 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,742 |
| Less: Purchase Price | −£80,000 |
| Less: Buying Costs (SDLT + legal) | −£6,600 |
| Less: Selling Costs (est. 2.5%) | −£2,319 |
| = CGT Net Gain (5yr) | £3,823 |
| CGT at 24% | £198 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £571 | 8.6% | 5.0% | £9 | -4.1% |
| Conservative | £625 | 9.4% | 6.0% | £125 | 5.6% |
| Base | £672 | 10.1% | 6.7% | £197 | 9.8% |
| Optimistic | £726 | 10.9% | 7.5% | £275 | 14.5% |
| Bull | £793 | 11.9% | 8.5% | £366 | 20.5% |
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