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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 19% above the area median. Offers anchored to area median of £88,000. 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 | £3,250 |
| Bathroom | £2,400 |
| Living Room | £1,450 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Entrance Hall | £300 |
| 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
- £105,000
- Property Type
- End of Terrace
- 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 | £9,104 | £108,150 | £6,110 | £2,172 | £5,322 | 14.9% |
| Yr 3 | £9,564 | £114,736 | £6,441 | £7,012 | £16,748 | 47.0% |
| Yr 5 | £10,049 | £121,724 | £6,790 | £12,540 | £29,264 | 82.2% |
| Yr 10 | £11,369 | £141,111 | £7,741 | £29,608 | £65,719 | 184.6% |
| Yr 15 | £12,863 | £163,587 | £8,816 | £51,798 | £110,384 | 310.1% |
| Yr 20 | £14,553 | £189,642 | £10,033 | £79,783 | £164,425 | 461.9% |
| Yr 25 | £16,466 | £219,847 | £11,410 | £114,325 | £229,172 | 643.7% |
| Yr 30 | £18,629 | £254,863 | £12,968 | £156,286 | £306,149 | 860.0% |
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 | 7.4% | 4.4% | £-44 | -6.5% |
| Conservative | £706 | 8.1% | 5.2% | £96 | 3.7% |
| Base | £759 | 8.7% | 5.8% | £181 | 8.1% |
| Optimistic | £820 | 9.4% | 6.5% | £274 | 13.0% |
| Bull | £896 | 10.2% | 7.4% | £381 | 19.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.67% |
| Net Yield | ●5.82% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£728) · mgmt 10% (−£910) · maint 10% (−£910) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£182 |
| Cash-on-Cash Return | ●6.11% |
| 5-Year IRR | ●8.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,250 |
| Section 24 Extra Tax/yr (higher rate) | £788 |
| SPV Annual Saving | £1,583 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £121,724 |
| Less: Purchase Price | −£105,000 |
| Less: Buying Costs (SDLT + legal) | −£7,850 |
| Less: Selling Costs (est. 2.5%) | −£3,043 |
| = CGT Net Gain (5yr) | £5,831 |
| CGT at 24% | £679 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 7.4% | 4.4% | £-44 | -6.5% |
| Conservative | £706 | 8.1% | 5.2% | £96 | 3.7% |
| Base | £759 | 8.7% | 5.8% | £181 | 8.1% |
| Optimistic | £820 | 9.4% | 6.5% | £274 | 13.0% |
| Bull | £896 | 10.2% | 7.4% | £381 | 19.3% |
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