🔒 Sign in to view the address — Middlesbrough
Semi-Detached · 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
AI condition score: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £500 |
| Bedroom 2 | £500 |
| Bedroom 3 | £500 |
| Total Estimated Refurb | £4,250 |
⚠ 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
- £92,000
- 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 | £94,760 | £6,113 | £2,663 | £5,423 | 17.1% |
| Yr 3 | £9,569 | £100,531 | £6,445 | £8,484 | £17,015 | 53.7% |
| Yr 5 | £10,054 | £106,653 | £6,794 | £14,995 | £29,648 | 93.5% |
| Yr 10 | £11,375 | £123,640 | £7,745 | £34,519 | £66,159 | 208.7% |
| Yr 15 | £12,869 | £143,333 | £8,821 | £59,168 | £110,501 | 348.6% |
| Yr 20 | £14,561 | £166,162 | £10,039 | £89,616 | £163,778 | 516.6% |
| Yr 25 | £16,474 | £192,628 | £11,416 | £126,623 | £227,251 | 716.9% |
| Yr 30 | £18,639 | £223,308 | £12,975 | £171,053 | £302,362 | 953.8% |
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 | £645 | 8.4% | 5.0% | £9 | -3.9% |
| Conservative | £706 | 9.2% | 6.0% | £141 | 5.9% |
| Base | £759 | 9.9% | 6.6% | £222 | 10.0% |
| Optimistic | £820 | 10.7% | 7.4% | £311 | 14.8% |
| Bull | £896 | 11.7% | 8.4% | £414 | 20.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.9% |
| Net Yield | ●6.64% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £287 |
| Monthly Cashflow (IO) | ●£222 |
| Cash-on-Cash Return | ●8.4% |
| 5-Year IRR | ●10.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,600 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,600 |
| Section 24 Extra Tax/yr (higher rate) | £690 |
| SPV Annual Saving | £1,559 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £106,653 |
| Less: Purchase Price | −£92,000 |
| Less: Buying Costs (SDLT + legal) | −£7,200 |
| Less: Selling Costs (est. 2.5%) | −£2,666 |
| = CGT Net Gain (5yr) | £4,787 |
| CGT at 24% | £429 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 8.4% | 5.0% | £9 | -3.9% |
| Conservative | £706 | 9.2% | 6.0% | £141 | 5.9% |
| Base | £759 | 9.9% | 6.6% | £222 | 10.0% |
| Optimistic | £820 | 10.7% | 7.4% | £311 | 14.8% |
| Bull | £896 | 11.7% | 8.4% | £414 | 20.9% |
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