Sample report — illustrative only
Levenshulme, Manchester · M19 3PT
3-bed terraced · £185,000
£1,150 pcm · 25% deposit · 5.25% interest-only · 25-year term
Score band: Strong
72
Score
Financials
Gross yield
7.5%
£13.8k/yr
Net yield
5.9%
after costs
Monthly cashflow
£716
post-mortgage
Stamp duty
£7,450
incl. BTL surcharge
Cash ROI
12.1%
year 1
Total acquisition
£192,450
incl. fees
Investment factors
Yield80
Area growth65
Demand70
Refinance potential78
Below market value50
Tenant stability75
Licensing risk60
Strengths
- Yield well above the UK BTL average.
- Refinance unlocks 142% of original deposit by year 5.
- Postcode shows steady 5-year price growth.
Concerns
- Selective licensing scheme covers M19.
- Comps suggest asking price is at the area median, not below.
Summary
The deal shows strong yield and refinance potential, with steady area growth and demand indicators above the regional average. Selective licensing and an asking price near the area median are the main concerns. Review with a qualified broker before proceeding.
Illustrative example. Real analyses use live data and your own assumptions.