🔒 Sign in to view the address — Manchester
Terraced · 5 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 | £3,400 |
| Bathroom | £2,500 |
| Living Room | £1,450 |
| Hallway / Stairs | £550 |
| Master Bedroom | £700 |
| Bedroom 2 | £700 |
| Bedroom 3 | £700 |
| Bedroom 4 | £700 |
| Bedroom 5 | £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 in Manchester | Extensions, Roofing & Brickwork | 0161 506 8790 | — |
| decorator | Top Residential Decorators in Manchester | Ever Prime Painters I ... | 07359 772816 | — |
| photographer | Professional Photographer Manchester | +447400925109 | — |
Property Details
- Asking Price
- £420,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 | £35,364 | £432,600 | £25,017 | £9,267 | £21,867 | 15.5% |
| Yr 3 | £37,154 | £458,945 | £26,306 | £29,727 | £68,672 | 48.7% |
| Yr 5 | £39,035 | £486,895 | £27,660 | £52,862 | £119,757 | 84.9% |
| Yr 10 | £44,165 | £564,445 | £31,354 | £123,311 | £267,756 | 189.8% |
| Yr 15 | £49,968 | £654,346 | £35,532 | £213,659 | £448,005 | 317.5% |
| Yr 20 | £56,535 | £758,567 | £40,260 | £326,520 | £665,087 | 471.4% |
| Yr 25 | £63,964 | £879,387 | £45,609 | £464,853 | £924,239 | 655.0% |
| Yr 30 | £72,369 | £1,019,450 | £51,661 | £632,004 | £1,231,454 | 872.8% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,504 | 7.2% | 4.5% | £-116 | -5.8% |
| Conservative | £2,740 | 7.8% | 5.4% | £437 | 4.0% |
| Base | £2,946 | 8.4% | 6.0% | £772 | 8.4% |
| Optimistic | £3,182 | 9.1% | 6.6% | £1,136 | 13.4% |
| Bull | £3,476 | 9.9% | 7.4% | £1,555 | 19.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.42% |
| Net Yield | ●5.95% |
| Net Annual Income | £25,008 |
| Deductions: void 8% (−£2,829) · mgmt 10% (−£3,536) · maint 10% (−£3,536) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,310 |
| Monthly Cashflow (IO) | ●£774 |
| Cash-on-Cash Return | ●6.56% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £32,000 |
| SDLT Effective Rate | 7.62% |
| SDLT (Company) | £32,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,150 |
| SPV Annual Saving | £5,849 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £486,895 |
| Less: Purchase Price | −£420,000 |
| Less: Buying Costs (SDLT + legal) | −£34,600 |
| Less: Selling Costs (est. 2.5%) | −£12,172 |
| = CGT Net Gain (5yr) | £20,123 |
| CGT at 24% | £4,110 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,504 | 7.2% | 4.5% | £-116 | -5.8% |
| Conservative | £2,740 | 7.8% | 5.4% | £437 | 4.0% |
| Base | £2,946 | 8.4% | 6.0% | £772 | 8.4% |
| Optimistic | £3,182 | 9.1% | 6.6% | £1,136 | 13.4% |
| Bull | £3,476 | 9.9% | 7.4% | £1,555 | 19.7% |
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