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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 51% above the area median. Offers anchored to area median of £66,000. 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 | £1,600 |
| Bedroom 2 | £1,600 |
| 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
- £100,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £7,680 | £103,000 | £5,085 | £1,335 | £4,335 | 12.7% |
| Yr 3 | £8,069 | £109,273 | £5,365 | £4,422 | £13,695 | 40.2% |
| Yr 5 | £8,477 | £115,927 | £5,659 | £8,090 | £24,018 | 70.4% |
| Yr 10 | £9,591 | £134,392 | £6,461 | £20,000 | £54,392 | 159.5% |
| Yr 15 | £10,852 | £155,797 | £7,368 | £36,231 | £92,028 | 269.9% |
| Yr 20 | £12,278 | £180,611 | £8,395 | £57,352 | £137,963 | 404.6% |
| Yr 25 | £13,891 | £209,378 | £9,557 | £84,004 | £193,382 | 567.1% |
| Yr 30 | £15,716 | £242,726 | £10,871 | £116,914 | £259,641 | 761.4% |
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 | £544 | 6.5% | 3.8% | £-90 | -9.3% |
| Conservative | £595 | 7.1% | 4.6% | £36 | 1.4% |
| Base | £640 | 7.7% | 5.1% | £111 | 5.9% |
| Optimistic | £691 | 8.3% | 5.7% | £193 | 11.0% |
| Bull | £755 | 9.1% | 6.4% | £287 | 17.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.68% |
| Net Yield | ●5.08% |
| Net Annual Income | £5,085 |
| Deductions: void 8% (−£614) · mgmt 10% (−£768) · maint 10% (−£768) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£112 |
| Cash-on-Cash Return | ●3.91% |
| 5-Year IRR | ●5.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,374 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £544 | 6.5% | 3.8% | £-90 | -9.3% |
| Conservative | £595 | 7.1% | 4.6% | £36 | 1.4% |
| Base | £640 | 7.7% | 5.1% | £111 | 5.9% |
| Optimistic | £691 | 8.3% | 5.7% | £193 | 11.0% |
| Bull | £755 | 9.1% | 6.4% | £287 | 17.4% |
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