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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 68% above the area median. Offers anchored to area median of £65,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £650 |
| Bathroom | £500 |
| Living Room | £300 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,700 |
⚠ 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
- £110,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 500–600 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 | £8,998 | £113,300 | £6,034 | £1,909 | £5,209 | 14.0% |
| Yr 3 | £9,454 | £120,200 | £6,362 | £6,216 | £16,416 | 44.2% |
| Yr 5 | £9,932 | £127,520 | £6,706 | £11,203 | £28,724 | 77.4% |
| Yr 10 | £11,237 | £147,831 | £7,646 | £26,882 | £64,713 | 174.4% |
| Yr 15 | £12,714 | £171,376 | £8,709 | £47,623 | £108,999 | 293.8% |
| Yr 20 | £14,385 | £198,672 | £9,912 | £74,093 | £162,765 | 438.7% |
| Yr 25 | £16,275 | £230,316 | £11,273 | £107,043 | £227,359 | 612.8% |
| Yr 30 | £18,414 | £266,999 | £12,813 | £147,326 | £304,325 | 820.3% |
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?
📄 Lease Information
Estimated remaining lease: 106 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £638 | 7.0% | 4.1% | £-70 | -7.6% |
| Conservative | £698 | 7.6% | 4.9% | £73 | 2.8% |
| Base | £750 | 8.2% | 5.5% | £159 | 7.2% |
| Optimistic | £810 | 8.8% | 6.1% | £253 | 12.3% |
| Bull | £885 | 9.7% | 6.9% | £361 | 18.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.18% |
| Net Yield | ●5.49% |
| Net Annual Income | £6,035 |
| Deductions: void 8% (−£720) · mgmt 10% (−£900) · maint 10% (−£900) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£160 |
| Cash-on-Cash Return | ●5.15% |
| 5-Year IRR | ●7.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,577 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £638 | 7.0% | 4.1% | £-70 | -7.6% |
| Conservative | £698 | 7.6% | 4.9% | £73 | 2.8% |
| Base | £750 | 8.2% | 5.5% | £159 | 7.2% |
| Optimistic | £810 | 8.8% | 6.1% | £253 | 12.3% |
| Bull | £885 | 9.7% | 6.9% | £361 | 18.7% |
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