🔒 Sign in to view the address — Middlesbrough
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 25% above the area median. Offers anchored to area median of £72,000. 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 | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| 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
- £90,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £9,108 | £92,700 | £6,113 | £2,738 | £5,438 | 17.5% |
| Yr 3 | £9,569 | £98,345 | £6,445 | £8,709 | £17,055 | 54.8% |
| Yr 5 | £10,054 | £104,335 | £6,794 | £15,370 | £29,704 | 95.5% |
| Yr 10 | £11,375 | £120,952 | £7,745 | £35,269 | £66,222 | 212.9% |
| Yr 15 | £12,869 | £140,217 | £8,821 | £60,293 | £110,510 | 355.3% |
| Yr 20 | £14,561 | £162,550 | £10,039 | £91,116 | £163,666 | 526.3% |
| Yr 25 | £16,474 | £188,440 | £11,416 | £128,498 | £226,938 | 729.7% |
| Yr 30 | £18,639 | £218,454 | £12,975 | £173,303 | £301,757 | 970.3% |
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 East England ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 8.6% | 5.1% | £17 | -3.4% |
| Conservative | £706 | 9.4% | 6.1% | £148 | 6.2% |
| Base | £759 | 10.1% | 6.8% | £228 | 10.4% |
| Optimistic | £820 | 10.9% | 7.6% | £316 | 15.1% |
| Bull | £896 | 11.9% | 8.6% | £419 | 21.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.12% |
| Net Yield | ●6.79% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£228 |
| Cash-on-Cash Return | ●8.8% |
| 5-Year IRR | ●10.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,556 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 8.6% | 5.1% | £17 | -3.4% |
| Conservative | £706 | 9.4% | 6.1% | £148 | 6.2% |
| Base | £759 | 10.1% | 6.8% | £228 | 10.4% |
| Optimistic | £820 | 10.9% | 7.6% | £316 | 15.1% |
| Bull | £896 | 11.9% | 8.6% | £419 | 21.2% |
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