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Apartment · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 28% below the area median — limited negotiation margin. Strong value at current asking price. 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 | £650 |
| 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
- £125,000
- Property Type
- Apartment
- Bedrooms
- 1
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 700–800 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 | £9,600 | £128,750 | £6,467 | £1,780 | £5,530 | 13.3% |
| Yr 3 | £10,086 | £136,591 | £6,817 | £5,861 | £17,452 | 42.0% |
| Yr 5 | £10,597 | £144,909 | £7,185 | £10,669 | £30,579 | 73.5% |
| Yr 10 | £11,989 | £167,990 | £8,187 | £26,113 | £69,102 | 166.1% |
| Yr 15 | £13,565 | £194,746 | £9,321 | £46,958 | £116,704 | 280.5% |
| Yr 20 | £15,347 | £225,764 | £10,605 | £73,915 | £174,679 | 419.9% |
| Yr 25 | £17,364 | £261,722 | £12,057 | £107,786 | £244,508 | 587.8% |
| Yr 30 | £19,646 | £303,408 | £13,700 | £149,480 | £327,888 | 788.2% |
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?
📄 Lease Information
Estimated remaining lease: 159 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £680 | 6.5% | 3.9% | £-103 | -8.5% |
| Conservative | £744 | 7.1% | 4.6% | £54 | 2.1% |
| Base | £800 | 7.7% | 5.2% | £148 | 6.6% |
| Optimistic | £864 | 8.3% | 5.8% | £251 | 11.7% |
| Bull | £944 | 9.1% | 6.5% | £368 | 18.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.68% |
| Net Yield | ●5.17% |
| Net Annual Income | £6,467 |
| Deductions: void 8% (−£768) · mgmt 10% (−£960) · maint 10% (−£960) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£149 |
| Cash-on-Cash Return | ●4.28% |
| 5-Year IRR | ●6.6% |
● 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 | £1,689 |
| 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 | £680 | 6.5% | 3.9% | £-103 | -8.5% |
| Conservative | £744 | 7.1% | 4.6% | £54 | 2.1% |
| Base | £800 | 7.7% | 5.2% | £148 | 6.6% |
| Optimistic | £864 | 8.3% | 5.8% | £251 | 11.7% |
| Bull | £944 | 9.1% | 6.5% | £368 | 18.2% |
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