🔒 Sign in to view the address — Liverpool
End of Terrace · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
🔨 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 | £1,750 |
| Bedroom 2 | £1,750 |
| 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 | Builders Liverpool | Expert Local Builders & Home Extensions ... | 07455 858107 | — |
| decorator | Iain Young Painter & Decorators | Liverpool | 07738 009076 | — |
Property Details
- Asking Price
- £94,995
- Property Type
- End of Terrace
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ⚠️ Yes — SA/HMO may need planning consent
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 1-3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 1 | — | — | — | — |
| Sector sale 2 | Terraced | 3 | — | — | — | — |
| Sector sale 3 | Terraced | 1 | — | — | — | — |
| Sector sale 4 | Terraced | 1 | — | — | — | — |
| Sector sale 5 | Terraced | 3 | — | — | — | — |
| Sector sale 6 | Terraced | 3 | — | — | — | — |
| Sector sale 7 | Terraced | 1 | — | — | — | — |
| Sector sale 8 | Terraced | 3 | — | — | — | — |
| Sector sale 9 | Terraced | 3 | — | — | — | — |
| Sector sale 10 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are estimated from EPC records or floor area, since Land Registry sales don’t record bedrooms directly.
Location
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 116 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £296 |
| ICR (actual) | 2.75x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £94,995 |
| Deposit (25% — 75% LTV) | £23,748 |
| SDLT (additional property, 5% surcharge) | £4,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £31,497 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
Tests lender affordability (rent vs. mortgage interest) — a different calculation from the BRRR Strategy card above, which tests capital recycled via refinance.
| Purchase price | £94,995 | Loan (75% LTV) | £71,246 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £327 |
| Rent needed (1.5×) | £490/mo | Estimated rent | £815/mo |
| Stress ratio | 2.5× (need ≥ 1.5×) +£325 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (a flat UK-wide assumption — not adjusted for this property's specific location). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
How is this calculated?
This is a simplified projection based on comparable sales data and an estimated refurb cost. It does not currently account for seller motivation signals, nearby planning applications, or the area's wider demographic profile — see the relevant sections elsewhere in this report for those. Not financial advice.
| Est. reno cost | Unknown — score listing |
| GDV (comp median) | £100,000 |
| 75% remortgage | £75,000 |
| Cash left in deal | £30,795 (11% recycled) |
| Est. BTL cashflow | +£217/mo |
| Gross margin | +£5,005 |
| Reno cost (est.) | –£10,800 |
| Buy + sell costs | –£9,850 |
| Net profit | £-15,645 (-45.3% ROI) |
| SA gross/mo | £1,033 |
| SA net/mo | £759 |
| BTL est./mo | £815 |
| SA vs BTL uplift | +£218/mo |
| ⚠ Article 4 area — SA/HMO may require planning consent | |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £102,299 | +£7,304 | £26,985 | +£3,237 (3.4%) |
| 5 years | £107,478 | +£12,483 | £30,844 | +£7,095 (7.5%) |
| 7 years | £112,919 | +£17,924 | £34,897 | +£11,149 (11.7%) |
Projections: 2.5% pa UK-wide HPI assumption (not location-adjusted), 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
Finance This Investment
Bridging Finance
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📈 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 | £9,784 | £97,845 | £6,600 | £3,038 | £5,887 | 18.1% |
| Yr 3 | £10,280 | £103,804 | £6,956 | £9,645 | £18,454 | 56.6% |
| Yr 5 | £10,800 | £110,125 | £7,331 | £16,993 | £32,124 | 98.5% |
| Yr 10 | £12,219 | £127,665 | £8,353 | £38,853 | £71,523 | 219.4% |
| Yr 15 | £13,825 | £147,999 | £9,509 | £66,218 | £119,222 | 365.7% |
| Yr 20 | £15,642 | £171,572 | £10,817 | £99,811 | £176,388 | 541.1% |
| Yr 25 | £17,697 | £198,898 | £12,297 | £140,453 | £244,356 | 749.6% |
| Yr 30 | £20,023 | £230,578 | £13,972 | £189,068 | £324,650 | 995.9% |
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 | 8.8% | 5.2% | £27 | -2.7% |
| Conservative | £758 | 9.6% | 6.2% | £167 | 6.9% |
| Base | £815 | 10.3% | 6.9% | £253 | 11.0% |
| Optimistic | £880 | 11.1% | 7.8% | £347 | 15.7% |
| Bull | £962 | 12.1% | 8.8% | £456 | 21.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.3% |
| Net Yield | ●6.94% |
| Net Annual Income | £6,597 |
| Deductions: void 8% (−£783) · mgmt 10% (−£978) · maint 10% (−£978) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£254 |
| Cash-on-Cash Return | ●9.31% |
| 5-Year IRR | ●11.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,750 |
| Section 24 Extra Tax/yr (higher rate) | £712 |
| SPV Annual Saving | £1,658 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,125 |
| Less: Purchase Price | −£94,995 |
| Less: Buying Costs (SDLT + legal) | −£7,350 |
| Less: Selling Costs (est. 2.5%) | −£2,753 |
| = CGT Net Gain (5yr) | £5,027 |
| CGT at 24% | £487 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £693 | 8.8% | 5.2% | £27 | -2.7% |
| Conservative | £758 | 9.6% | 6.2% | £167 | 6.9% |
| Base | £815 | 10.3% | 6.9% | £253 | 11.0% |
| Optimistic | £880 | 11.1% | 7.8% | £347 | 15.7% |
| Bull | £962 | 12.1% | 8.8% | £456 | 21.8% |
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