Shafto Street, Wallsend
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £75,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 624 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 71 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £234 |
| ICR (actual) | 2.99x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £75,000 |
| Deposit (25% — 75% LTV) | £18,750 |
| SDLT (additional property, 5% surcharge) | £3,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £25,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £75,000 | Loan (75% LTV) | £56,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £258 |
| Rent needed (1.5×) | £387/mo | Estimated rent | £700/mo |
| Stress ratio | 2.72× (need ≥ 1.5×) +£313 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £1,073 |
| SA net/mo | £794 |
| BTL est./mo | £700 |
| SA vs BTL uplift | +£373/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £80,767 | +£5,767 | £21,141 | +£2,391 (3.2%) |
| 5 years | £84,856 | +£9,856 | £24,187 | +£5,437 (7.2%) |
| 7 years | £89,151 | +£14,151 | £27,388 | +£8,638 (11.5%) |
Projections: 2.5% pa HPI, 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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📈 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 | £8,400 | £77,250 | £5,603 | £2,790 | £5,040 | 18.9% |
| Yr 3 | £8,825 | £81,955 | £5,909 | £8,829 | £15,783 | 59.3% |
| Yr 5 | £9,272 | £86,946 | £6,231 | £15,503 | £27,448 | 103.2% |
| Yr 10 | £10,490 | £100,794 | £7,108 | £35,183 | £60,977 | 229.2% |
| Yr 15 | £11,869 | £116,848 | £8,101 | £59,590 | £101,437 | 381.3% |
| Yr 20 | £13,429 | £135,458 | £9,224 | £89,344 | £149,802 | 563.2% |
| Yr 25 | £15,193 | £157,033 | £10,494 | £125,149 | £207,182 | 778.9% |
| Yr 30 | £17,190 | £182,045 | £11,932 | £167,799 | £274,843 | 1033.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — NE28 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £595 | 9.5% | 5.6% | £45 | -1.6% |
| Conservative | £651 | 10.4% | 6.7% | £161 | 7.7% |
| Base | £700 | 11.2% | 7.5% | £233 | 11.7% |
| Optimistic | £756 | 12.1% | 8.4% | £311 | 16.2% |
| Bull | £826 | 13.2% | 9.5% | £403 | 22.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.2% |
| Net Yield | ●7.47% |
| Net Annual Income | £5,603 |
| Deductions: void 8% (−£672) · mgmt 10% (−£840) · maint 10% (−£840) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £234 |
| Monthly Cashflow (IO) | ●£233 |
| Cash-on-Cash Return | ●10.49% |
| 5-Year IRR | ●11.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,750 |
| Section 24 Extra Tax/yr (higher rate) | £562 |
| SPV Annual Saving | £1,428 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £86,946 |
| Less: Purchase Price | −£75,000 |
| Less: Buying Costs (SDLT + legal) | −£6,350 |
| Less: Selling Costs (est. 2.5%) | −£2,174 |
| = CGT Net Gain (5yr) | £3,422 |
| CGT at 24% | £101 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £595 | 9.5% | 5.6% | £45 | -1.6% |
| Conservative | £651 | 10.4% | 6.7% | £161 | 7.7% |
| Base | £700 | 11.2% | 7.5% | £233 | 11.7% |
| Optimistic | £756 | 12.1% | 8.4% | £311 | 16.2% |
| Bull | £826 | 13.2% | 9.5% | £403 | 22.1% |