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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 20% above the area median. Offers anchored to area median of £108,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · 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 | DP Construction NE Ltd | Builders | Newcastle, UK | 0191 256 6655 | — |
| decorator | Painter & Decorator Newcastle | Gosforth | Jesmond | 0191 284 1798 | — |
| photographer | Geoff Love Photography: Wedding Photographer Newcastle | 04615625410 | — |
Property Details
- Asking Price
- £130,000
- Property Type
- Terraced
- 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 | £9,867 | £133,900 | £6,659 | £1,784 | £5,684 | 13.2% |
| Yr 3 | £10,367 | £142,055 | £7,019 | £5,890 | £17,944 | 41.5% |
| Yr 5 | £10,891 | £150,706 | £7,397 | £10,742 | £31,448 | 72.8% |
| Yr 10 | £12,323 | £174,709 | £8,427 | £26,392 | £71,101 | 164.6% |
| Yr 15 | £13,942 | £202,536 | £9,593 | £47,593 | £120,128 | 278.1% |
| Yr 20 | £15,774 | £234,794 | £10,912 | £75,075 | £179,870 | 416.4% |
| Yr 25 | £17,847 | £272,191 | £12,405 | £109,665 | £251,856 | 583.0% |
| Yr 30 | £20,192 | £315,544 | £14,093 | £152,295 | £337,839 | 782.0% |
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
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 | £699 | 6.4% | 3.8% | £-111 | -8.7% |
| Conservative | £764 | 7.1% | 4.6% | £51 | 2.0% |
| Base | £822 | 7.6% | 5.1% | £149 | 6.5% |
| Optimistic | £888 | 8.2% | 5.7% | £254 | 11.6% |
| Bull | £970 | 9.0% | 6.5% | £375 | 18.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.59% |
| Net Yield | ●5.12% |
| Net Annual Income | £6,657 |
| Deductions: void 8% (−£789) · mgmt 10% (−£987) · maint 10% (−£987) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£150 |
| Cash-on-Cash Return | ●4.12% |
| 5-Year IRR | ●6.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,735 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £699 | 6.4% | 3.8% | £-111 | -8.7% |
| Conservative | £764 | 7.1% | 4.6% | £51 | 2.0% |
| Base | £822 | 7.6% | 5.1% | £149 | 6.5% |
| Optimistic | £888 | 8.2% | 5.7% | £254 | 11.6% |
| Bull | £970 | 9.0% | 6.5% | £375 | 18.1% |
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