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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 20% below the area median — limited negotiation margin. Strong value at current asking price. 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
- £120,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 900–1,000 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 | £9,000 | £123,600 | £6,035 | £1,535 | £5,135 | 12.8% |
| Yr 3 | £9,456 | £131,127 | £6,363 | £5,095 | £16,222 | 40.5% |
| Yr 5 | £9,934 | £139,113 | £6,708 | £9,336 | £28,449 | 70.9% |
| Yr 10 | £11,240 | £161,270 | £7,648 | £23,148 | £64,418 | 160.6% |
| Yr 15 | £12,717 | £186,956 | £8,711 | £42,024 | £108,980 | 271.8% |
| Yr 20 | £14,388 | £216,733 | £9,914 | £66,629 | £163,363 | 407.4% |
| Yr 25 | £16,279 | £251,253 | £11,276 | £97,717 | £228,971 | 571.0% |
| Yr 30 | £18,418 | £291,271 | £12,816 | £136,140 | £307,411 | 766.6% |
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 | £638 | 6.4% | 3.8% | £-110 | -9.1% |
| Conservative | £698 | 7.0% | 4.5% | £39 | 1.6% |
| Base | £750 | 7.5% | 5.0% | £128 | 6.1% |
| Optimistic | £810 | 8.1% | 5.6% | £225 | 11.3% |
| Bull | £885 | 8.8% | 6.4% | £336 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.5% |
| Net Yield | ●5.03% |
| Net Annual Income | £6,035 |
| Deductions: void 8% (−£720) · mgmt 10% (−£900) · maint 10% (−£900) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£129 |
| Cash-on-Cash Return | ●3.83% |
| 5-Year IRR | ●6.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £1,596 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £638 | 6.4% | 3.8% | £-110 | -9.1% |
| Conservative | £698 | 7.0% | 4.5% | £39 | 1.6% |
| Base | £750 | 7.5% | 5.0% | £128 | 6.1% |
| Optimistic | £810 | 8.1% | 5.6% | £225 | 11.3% |
| Bull | £885 | 8.8% | 6.4% | £336 | 17.8% |
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