🔒 Sign in to view the address — Little Lever
Flat · 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 | Building and Property Services In Bolton - Hinsley & Sons | 01204 391 797 | — |
| decorator | Wallpapering, Painting & Decorating | Bolton | Westhoughton | DJ ... | 07976 238237 | — |
| photographer | Martin Newton Photography - HOME | 07841411638 | — |
Property Details
- Asking Price
- £100,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £11,340 | £103,000 | £7,720 | £3,970 | £6,970 | 20.4% |
| Yr 3 | £11,914 | £109,273 | £8,133 | £12,527 | £21,800 | 63.9% |
| Yr 5 | £12,517 | £115,927 | £8,567 | £21,942 | £37,869 | 111.1% |
| Yr 10 | £14,162 | £134,392 | £9,752 | £49,523 | £83,915 | 246.1% |
| Yr 15 | £16,023 | £155,797 | £11,092 | £83,486 | £139,282 | 408.5% |
| Yr 20 | £18,129 | £180,611 | £12,608 | £124,667 | £205,278 | 602.0% |
| Yr 25 | £20,511 | £209,378 | £14,323 | £174,016 | £283,394 | 831.1% |
| Yr 30 | £23,206 | £242,726 | £16,264 | £232,607 | £375,333 | 1100.7% |
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: 103 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £803 | 9.6% | 5.8% | £79 | 0.2% |
| Conservative | £879 | 10.5% | 6.9% | £234 | 9.3% |
| Base | £945 | 11.3% | 7.7% | £331 | 13.3% |
| Optimistic | £1,021 | 12.2% | 8.6% | £437 | 17.9% |
| Bull | £1,115 | 13.4% | 9.7% | £560 | 23.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.34% |
| Net Yield | ●7.72% |
| Net Annual Income | £7,720 |
| Deductions: void 8% (−£907) · mgmt 10% (−£1,134) · maint 10% (−£1,134) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£331 |
| Cash-on-Cash Return | ●11.64% |
| 5-Year IRR | ●13.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,887 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £803 | 9.6% | 5.8% | £79 | 0.2% |
| Conservative | £879 | 10.5% | 6.9% | £234 | 9.3% |
| Base | £945 | 11.3% | 7.7% | £331 | 13.3% |
| Optimistic | £1,021 | 12.2% | 8.6% | £437 | 17.9% |
| Bull | £1,115 | 13.4% | 9.7% | £560 | 23.8% |
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