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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 42% above the area median. Offers anchored to area median of £105,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £650 |
| Bedroom 2 | £650 |
| Bedroom 3 | £650 |
| Bedroom 4 | £650 |
| Bedroom 5 | £650 |
| Total Estimated Refurb | £10,200 |
⚠ 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
- £150,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 sqft
- 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 | £8,460 | £154,500 | £5,646 | £21 | £4,521 | 9.1% |
| Yr 3 | £8,888 | £163,909 | £5,955 | £524 | £14,433 | 29.1% |
| Yr 5 | £9,338 | £173,891 | £6,279 | £1,667 | £25,558 | 51.5% |
| Yr 10 | £10,565 | £201,587 | £7,162 | £7,542 | £59,129 | 119.2% |
| Yr 15 | £11,954 | £233,695 | £8,162 | £18,177 | £101,872 | 205.4% |
| Yr 20 | £13,525 | £270,917 | £9,293 | £34,198 | £155,114 | 312.7% |
| Yr 25 | £15,302 | £314,067 | £10,572 | £56,312 | £220,378 | 444.3% |
| Yr 30 | £17,313 | £364,089 | £12,020 | £85,320 | £299,410 | 603.6% |
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 | £599 | 4.8% | 2.8% | £-257 | -13.7% |
| Conservative | £656 | 5.2% | 3.4% | £-94 | -2.2% |
| Base | £705 | 5.6% | 3.8% | £2 | 2.6% |
| Optimistic | £761 | 6.1% | 4.2% | £104 | 8.1% |
| Bull | £832 | 6.7% | 4.8% | £220 | 14.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.64% |
| Net Yield | ●3.76% |
| Net Annual Income | £5,646 |
| Deductions: void 8% (−£677) · mgmt 10% (−£846) · maint 10% (−£846) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£2 |
| Cash-on-Cash Return | ●0.04% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £1,577 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £599 | 4.8% | 2.8% | £-257 | -13.7% |
| Conservative | £656 | 5.2% | 3.4% | £-94 | -2.2% |
| Base | £705 | 5.6% | 3.8% | £2 | 2.6% |
| Optimistic | £761 | 6.1% | 4.2% | £104 | 8.1% |
| Bull | £832 | 6.7% | 4.8% | £220 | 14.9% |
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