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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 214% above the area median. Offers anchored to area median of £70,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| Total Estimated Refurb | £4,250 |
⚠ 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 Middlesbrough | Project Management | Quality ... | 07960 485 880 | — |
| decorator | Decorator Teesside | Painters | Decorating Services | 07376 496299 | — |
| photographer | The Studio North East | 01642 205465 | — |
Property Details
- Asking Price
- £220,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £30,008 | £226,600 | £21,161 | £12,911 | £19,511 | 27.1% |
| Yr 3 | £31,527 | £240,400 | £22,255 | £40,366 | £60,766 | 84.4% |
| Yr 5 | £33,123 | £255,040 | £23,404 | £70,092 | £105,132 | 146.0% |
| Yr 10 | £37,476 | £295,662 | £26,538 | £155,108 | £230,769 | 320.5% |
| Yr 15 | £42,401 | £342,753 | £30,083 | £257,008 | £379,761 | 527.4% |
| Yr 20 | £47,972 | £397,344 | £34,095 | £378,012 | £555,356 | 771.3% |
| Yr 25 | £54,276 | £460,631 | £38,634 | £520,629 | £761,261 | 1057.3% |
| Yr 30 | £61,409 | £533,998 | £43,769 | £687,701 | £1,001,699 | 1391.2% |
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 East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,125 | 11.6% | 7.3% | £450 | 7.9% |
| Conservative | £2,325 | 12.7% | 8.7% | £834 | 16.1% |
| Base | £2,500 | 13.6% | 9.6% | £1,075 | 19.9% |
| Optimistic | £2,700 | 14.7% | 10.7% | £1,342 | 24.2% |
| Bull | £2,950 | 16.1% | 12.0% | £1,655 | 29.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.64% |
| Net Yield | ●9.62% |
| Net Annual Income | £21,155 |
| Deductions: void 8% (−£2,401) · mgmt 10% (−£3,001) · maint 10% (−£3,001) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £686 |
| Monthly Cashflow (IO) | ●£1,077 |
| Cash-on-Cash Return | ●17.92% |
| 5-Year IRR | ●19.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,900 |
| SDLT Effective Rate | 5.86% |
| SDLT (Company) | £12,900 |
| Section 24 Extra Tax/yr (higher rate) | £1,650 |
| SPV Annual Saving | £4,724 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £255,040 |
| Less: Purchase Price | −£220,000 |
| Less: Buying Costs (SDLT + legal) | −£15,500 |
| Less: Selling Costs (est. 2.5%) | −£6,376 |
| = CGT Net Gain (5yr) | £13,164 |
| CGT at 24% | £2,439 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £2,125 | 11.6% | 7.3% | £450 | 7.9% |
| Conservative | £2,325 | 12.7% | 8.7% | £834 | 16.1% |
| Base | £2,500 | 13.6% | 9.6% | £1,075 | 19.9% |
| Optimistic | £2,700 | 14.7% | 10.7% | £1,342 | 24.2% |
| Bull | £2,950 | 16.1% | 12.0% | £1,655 | 29.8% |
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