3 bedroom new build, Prospect Terrace, Liverpool
Liverpool, L3 6AA
Added 21 Jul 2026
£195,000
Guide price
Bedrooms
3
Bathrooms
1
Size
1,379 sqft
Type
new build
Match
95%
- TenureFreehold
- Council taxBand D
- EPCD
- BuildNew build
- ParkingDriveway
- GardenCourtyard
About this home
Key features
- 10-year NHBC warranty
- A-rated EPC
- EV charging point
- Fitted wardrobes
- Integrated Bosch appliances
- Turf laid to garden
- Driveway parking
- Courtyard
- Brand new
- EPC rating D
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£1,372/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand D£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band D
- Year built
- 1836
- Heating
- Underfloor + Gas
- Parking
- Driveway
- Garden
- Courtyard
- Build
- New build
Energy performance
- A
- B
- C
- DScore 67
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,379 sqft
≈ 128 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 0.6 mi
Central
Rail
- 2.2 mi
Bridge Road
Rail
- 3.2 mi
Junction
Tram
- 3.2 mi
Bridge Road Station
Tube
Commute highlights
Estimated travel times to major UK hubs
Manchester Piccadilly
32.3 mi away
Leeds
65.2 mi away
Birmingham New Street
80.2 mi away
Bristol Temple Meads
137.8 mi away
Edinburgh Waverley
174.7 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.8 mi
Supermarket
M&S Food
- 🏋️0.5 mi
Gym
Fitness First
- 🌳0.7 mi
Park
Riverside Gardens
- 🩺0.7 mi
GP surgery
The Health Practice
- 🍽️0.7 mi
Restaurants
Village square
- ☕0.2 mi
Café
Grind & Co.
Commute time
Estimate the journey from Liverpool, L3 6AA to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: LimitedOutdoor: Good
- VodafoneIndoor: GoodOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Liverpool, L3 6AA.
Area average
£177,827
This home +10%
12m change
+0.4%
Sold prices
Avg £/sqft
£453
This home £141
Buyer demand
High
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£1,570 /mo
£18,841 per year — indicative estimate.
- Mortgage£1,001/mo10% deposit · 4.75% · 25 yr64%
- Council tax (Band D)£188/moIndicative England average12%
- Buildings insurance£19/mo~0.12% of value / yr1%
- Maintenance & repairs£163/mo~1.00% of value / yr10%
- Utilities (energy + water)£200/moOfgem typical dual-fuel13%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£1,001
Loan £175,500 · Deposit £19,500 (10%)
£306/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £124,667
- Total paid
- £300,167
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
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Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£1,400
Effective rate 0.72% on £195,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£272,500
Loan up to £247,500 + £25,000 deposit · capped by income (4.5× LTI)
This listing
£195,000
£77,500 headroom · repayment £887/mo
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £887 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 12.8%
Affordability summary
Looks affordableYour inputs clear the lender cap, monthly budget and upfront cash checks.
Monthly all-in
£1,066 /mo
£887 mortgage + £179 running · 23% of gross pay
Upfront cash
£29,749
£25,000 deposit + £1,400 SDLT + £3,349 fees
Lender check
Passes
Need £170,000 · max on income £247,500
- Loan of £170,000 is within the 4.5× income cap
- Monthly all-in (£1,066) sits within your 35% repayment cap
- Upfront cash of £29,749 is covered by your deposit and a small buffer
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Investment potential
Would this stack up as a buy-to-let?
Open ▾
Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
7.69%
Net yield
1.97%
Monthly cashflow
£321
ROI on cash
6.2%
Sensitivity
Rent −10%
£222/mo · 1.37%
Rent +10%
£419/mo · 2.58%
Rate +1%
£199/mo · 1.22%
Rate −1%
£443/mo · 2.72%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
85
/ 1k residents
Medium▲ 8.4% vs previous year
Broadband
162 Mbps
Up to 46 Mbps upload11 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Limited | Limited | Good | Good |
| O2 | Good | Good | Good | Good |
| Three | Good | Good | Limited | Limited |
| Vodafone | None | Limited | Good | Good |
Planning applications
11within 250 m in the last 12 months
- Pending
Demolition of garage and new dwelling
2026/4527/HH · 2 Mar 2026
- Approved
Change of use to residential
2026/6705/HH · 21 Apr 2026
- Pending
Loft conversion with rear dormer
2025/6504/HH · 26 Oct 2025
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- freehold
- Council tax band
- D
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Liverpool, L3 6AA and comparable homes nearby.
Property history
May 2023
Sold
£160,000
Sold nearby
Avg £184,667
15 Maple Lane
Semi-detached · 2 bed · 0.08 mi · Mar 2026
£174,000
65 Cedar Terrace
Detached · 4 bed · 0.12 mi · Feb 2026
£148,000
164 Rowan Gardens
Detached · 4 bed · 0.12 mi · Oct 2025
£149,000
52 Beech Close
Terraced · 4 bed · 0.22 mi · Oct 2024
£222,000
133 Ivy Mews
Detached · 3 bed · 0.32 mi · Apr 2026
£174,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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