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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 15% 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: 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 | 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
- £125,000
- 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 | £9,862 | £128,750 | £6,656 | £1,968 | £5,718 | 13.7% |
| Yr 3 | £10,362 | £136,591 | £7,015 | £6,443 | £18,033 | 43.3% |
| Yr 5 | £10,886 | £144,909 | £7,393 | £11,663 | £31,572 | 75.9% |
| Yr 10 | £12,317 | £167,990 | £8,423 | £28,230 | £71,220 | 171.2% |
| Yr 15 | £13,935 | £194,746 | £9,589 | £50,347 | £120,093 | 288.7% |
| Yr 20 | £15,767 | £225,764 | £10,907 | £78,743 | £179,507 | 431.5% |
| Yr 25 | £17,839 | £261,722 | £12,399 | £114,242 | £250,964 | 603.3% |
| Yr 30 | £20,183 | £303,408 | £14,087 | £157,778 | £336,186 | 808.1% |
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 | 6.7% | 4.0% | £-91 | -7.9% |
| Conservative | £764 | 7.3% | 4.8% | £68 | 2.6% |
| Base | £822 | 7.9% | 5.3% | £164 | 7.0% |
| Optimistic | £888 | 8.5% | 6.0% | £268 | 12.1% |
| Bull | £970 | 9.3% | 6.7% | £388 | 18.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.89% |
| Net Yield | ●5.33% |
| Net Annual Income | £6,657 |
| Deductions: void 8% (−£789) · mgmt 10% (−£986) · maint 10% (−£986) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£165 |
| Cash-on-Cash Return | ●4.73% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £1,727 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £699 | 6.7% | 4.0% | £-91 | -7.9% |
| Conservative | £764 | 7.3% | 4.8% | £68 | 2.6% |
| Base | £822 | 7.9% | 5.3% | £164 | 7.0% |
| Optimistic | £888 | 8.5% | 6.0% | £268 | 12.1% |
| Bull | £970 | 9.3% | 6.7% | £388 | 18.6% |
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