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Flat · 2 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: 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
- £154,000
- 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 | £11,904 | £158,620 | £8,126 | £2,351 | £6,971 | 13.7% |
| Yr 3 | £12,507 | £168,280 | £8,560 | £7,701 | £21,981 | 43.2% |
| Yr 5 | £13,140 | £178,528 | £9,016 | £13,952 | £38,480 | 75.6% |
| Yr 10 | £14,867 | £206,963 | £10,259 | £33,824 | £86,788 | 170.6% |
| Yr 15 | £16,820 | £239,927 | £11,666 | £60,395 | £146,322 | 287.6% |
| Yr 20 | £19,031 | £278,141 | £13,257 | £94,544 | £218,685 | 429.8% |
| Yr 25 | £21,531 | £322,442 | £15,058 | £137,267 | £305,709 | 600.8% |
| Yr 30 | £24,361 | £373,798 | £17,095 | £189,691 | £409,490 | 804.8% |
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 | £843 | 6.6% | 4.0% | £-115 | -8.0% |
| Conservative | £923 | 7.2% | 4.7% | £79 | 2.5% |
| Base | £992 | 7.7% | 5.3% | £196 | 7.0% |
| Optimistic | £1,071 | 8.3% | 5.9% | £323 | 12.1% |
| Bull | £1,171 | 9.1% | 6.6% | £468 | 18.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.73% |
| Net Yield | ●5.28% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£952) · mgmt 10% (−£1,190) · maint 10% (−£1,190) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £480 |
| Monthly Cashflow (IO) | ●£197 |
| Cash-on-Cash Return | ●4.62% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,280 |
| SDLT Effective Rate | 5.38% |
| SDLT (Company) | £8,280 |
| Section 24 Extra Tax/yr (higher rate) | £1,155 |
| SPV Annual Saving | £2,066 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £178,528 |
| Less: Purchase Price | −£154,000 |
| Less: Buying Costs (SDLT + legal) | −£10,880 |
| Less: Selling Costs (est. 2.5%) | −£4,463 |
| = CGT Net Gain (5yr) | £9,185 |
| CGT at 24% | £1,484 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 6.6% | 4.0% | £-115 | -8.0% |
| Conservative | £923 | 7.2% | 4.7% | £79 | 2.5% |
| Base | £992 | 7.7% | 5.3% | £196 | 7.0% |
| Optimistic | £1,071 | 8.3% | 5.9% | £323 | 12.1% |
| Bull | £1,171 | 9.1% | 6.6% | £468 | 18.6% |
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