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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 27% above the area median. Offers anchored to area median of £90,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £115,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £118,450 | £6,113 | £1,800 | £5,250 | 13.6% |
| Yr 3 | £9,569 | £125,664 | £6,445 | £5,897 | £16,560 | 42.9% |
| Yr 5 | £10,054 | £133,317 | £6,794 | £10,682 | £28,999 | 75.1% |
| Yr 10 | £11,375 | £154,550 | £7,745 | £25,894 | £65,444 | 169.5% |
| Yr 15 | £12,869 | £179,166 | £8,821 | £46,231 | £110,397 | 286.0% |
| Yr 20 | £14,561 | £207,703 | £10,039 | £72,366 | £165,069 | 427.6% |
| Yr 25 | £16,474 | £240,784 | £11,416 | £105,061 | £230,845 | 598.0% |
| Yr 30 | £18,639 | £279,135 | £12,975 | £145,178 | £309,314 | 801.3% |
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
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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 | 6.7% | 4.0% | £-85 | -8.1% |
| Conservative | £706 | 7.4% | 4.8% | £62 | 2.4% |
| Base | £759 | 7.9% | 5.3% | £150 | 6.8% |
| Optimistic | £820 | 8.6% | 5.9% | £246 | 11.9% |
| Bull | £896 | 9.3% | 6.7% | £356 | 18.4% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.92% |
| Net Yield | ●5.32% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £359 |
| Monthly Cashflow (IO) | ●£150 |
| Cash-on-Cash Return | ●4.66% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,750 |
| Section 24 Extra Tax/yr (higher rate) | £862 |
| SPV Annual Saving | £1,602 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £133,317 |
| Less: Purchase Price | −£115,000 |
| Less: Buying Costs (SDLT + legal) | −£8,350 |
| Less: Selling Costs (est. 2.5%) | −£3,333 |
| = CGT Net Gain (5yr) | £6,634 |
| CGT at 24% | £872 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 6.7% | 4.0% | £-85 | -8.1% |
| Conservative | £706 | 7.4% | 4.8% | £62 | 2.4% |
| Base | £759 | 7.9% | 5.3% | £150 | 6.8% |
| Optimistic | £820 | 8.6% | 5.9% | £246 | 11.9% |
| Bull | £896 | 9.3% | 6.7% | £356 | 18.4% |
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