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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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
- £75,000
- 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 | £9,105 | £77,250 | £6,111 | £3,298 | £5,548 | 20.9% |
| Yr 3 | £9,566 | £81,955 | £6,442 | £10,390 | £17,345 | 65.2% |
| Yr 5 | £10,050 | £86,946 | £6,791 | £18,171 | £30,116 | 113.2% |
| Yr 10 | £11,371 | £100,794 | £7,742 | £40,870 | £66,664 | 250.6% |
| Yr 15 | £12,865 | £116,848 | £8,818 | £68,692 | £110,540 | 415.6% |
| Yr 20 | £14,556 | £135,458 | £10,035 | £102,311 | £162,769 | 611.9% |
| Yr 25 | £16,468 | £157,033 | £11,412 | £142,487 | £224,520 | 844.1% |
| Yr 30 | £18,633 | £182,045 | £12,970 | £190,084 | £297,128 | 1117.0% |
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 | £645 | 10.3% | 6.1% | £78 | 0.7% |
| Conservative | £706 | 11.3% | 7.3% | £199 | 9.7% |
| Base | £759 | 12.1% | 8.2% | £275 | 13.5% |
| Optimistic | £820 | 13.1% | 9.1% | £359 | 18.0% |
| Bull | £896 | 14.3% | 10.3% | £456 | 23.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.14% |
| Net Yield | ●8.15% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£728) · mgmt 10% (−£910) · maint 10% (−£910) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £234 |
| Monthly Cashflow (IO) | ●£275 |
| Cash-on-Cash Return | ●12.41% |
| 5-Year IRR | ●13.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,750 |
| Section 24 Extra Tax/yr (higher rate) | £562 |
| SPV Annual Saving | £1,527 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £86,946 |
| Less: Purchase Price | −£75,000 |
| Less: Buying Costs (SDLT + legal) | −£6,350 |
| Less: Selling Costs (est. 2.5%) | −£2,174 |
| = CGT Net Gain (5yr) | £3,422 |
| CGT at 24% | £101 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 10.3% | 6.1% | £78 | 0.7% |
| Conservative | £706 | 11.3% | 7.3% | £199 | 9.7% |
| Base | £759 | 12.1% | 8.2% | £275 | 13.5% |
| Optimistic | £820 | 13.1% | 9.1% | £359 | 18.0% |
| Bull | £896 | 14.3% | 10.3% | £456 | 23.7% |
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