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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 40% above the area median. Offers anchored to area median of £76,000. 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 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Entrance Hall | £200 |
| 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
- £107,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 sqft
- 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 | £8,474 | £110,210 | £5,657 | £1,644 | £4,854 | 13.4% |
| Yr 3 | £8,903 | £116,922 | £5,965 | £5,394 | £15,315 | 42.3% |
| Yr 5 | £9,354 | £124,042 | £6,290 | £9,784 | £26,827 | 74.1% |
| Yr 10 | £10,583 | £143,799 | £7,175 | £23,783 | £60,582 | 167.4% |
| Yr 15 | £11,974 | £166,703 | £8,176 | £42,550 | £102,253 | 282.5% |
| Yr 20 | £13,548 | £193,254 | £9,309 | £66,712 | £152,966 | 422.6% |
| Yr 25 | £15,328 | £224,034 | £10,591 | £96,978 | £214,013 | 591.2% |
| Yr 30 | £17,342 | £259,717 | £12,041 | £134,150 | £286,867 | 792.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | £600 | 6.7% | 4.0% | £-82 | -8.4% |
| Conservative | £657 | 7.4% | 4.7% | £55 | 2.1% |
| Base | £706 | 7.9% | 5.3% | £137 | 6.6% |
| Optimistic | £762 | 8.6% | 5.9% | £226 | 11.7% |
| Bull | £833 | 9.3% | 6.7% | £329 | 18.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.92% |
| Net Yield | ●5.29% |
| Net Annual Income | £5,655 |
| Deductions: void 8% (−£678) · mgmt 10% (−£847) · maint 10% (−£847) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £334 |
| Monthly Cashflow (IO) | ●£137 |
| Cash-on-Cash Return | ●4.54% |
| 5-Year IRR | ●6.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,350 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,350 |
| Section 24 Extra Tax/yr (higher rate) | £803 |
| SPV Annual Saving | £1,498 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £124,042 |
| Less: Purchase Price | −£107,000 |
| Less: Buying Costs (SDLT + legal) | −£7,950 |
| Less: Selling Costs (est. 2.5%) | −£3,101 |
| = CGT Net Gain (5yr) | £5,991 |
| CGT at 24% | £718 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £600 | 6.7% | 4.0% | £-82 | -8.4% |
| Conservative | £657 | 7.4% | 4.7% | £55 | 2.1% |
| Base | £706 | 7.9% | 5.3% | £137 | 6.6% |
| Optimistic | £762 | 8.6% | 5.9% | £226 | 11.7% |
| Bull | £833 | 9.3% | 6.7% | £329 | 18.1% |
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