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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 53% 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: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| 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
- £71,980
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- 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 | £7,500 | £74,139 | £4,955 | £2,256 | £4,415 | 17.2% |
| Yr 3 | £7,880 | £78,654 | £5,229 | £7,176 | £13,851 | 53.9% |
| Yr 5 | £8,279 | £83,445 | £5,516 | £12,664 | £24,129 | 93.9% |
| Yr 10 | £9,367 | £96,735 | £6,299 | £29,058 | £53,813 | 209.4% |
| Yr 15 | £10,598 | £112,142 | £7,185 | £49,673 | £89,835 | 349.6% |
| Yr 20 | £11,990 | £130,004 | £8,188 | £75,062 | £133,086 | 518.0% |
| Yr 25 | £13,566 | £150,710 | £9,323 | £105,853 | £184,584 | 718.4% |
| Yr 30 | £15,349 | £174,714 | £10,606 | £142,757 | £245,491 | 955.4% |
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 | £531 | 8.9% | 5.1% | £16 | -3.8% |
| Conservative | £581 | 9.7% | 6.2% | £122 | 5.8% |
| Base | £625 | 10.4% | 6.9% | £188 | 9.9% |
| Optimistic | £675 | 11.3% | 7.7% | £260 | 14.6% |
| Bull | £738 | 12.3% | 8.7% | £343 | 20.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.42% |
| Net Yield | ●6.88% |
| Net Annual Income | £4,955 |
| Deductions: void 8% (−£600) · mgmt 10% (−£750) · maint 10% (−£750) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £224 |
| Monthly Cashflow (IO) | ●£189 |
| Cash-on-Cash Return | ●8.78% |
| 5-Year IRR | ●9.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,599 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,599 |
| Section 24 Extra Tax/yr (higher rate) | £540 |
| SPV Annual Saving | £1,296 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £83,445 |
| Less: Purchase Price | −£71,980 |
| Less: Buying Costs (SDLT + legal) | −£6,199 |
| Less: Selling Costs (est. 2.5%) | −£2,086 |
| = CGT Net Gain (5yr) | £3,180 |
| CGT at 24% | £43 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £531 | 8.9% | 5.1% | £16 | -3.8% |
| Conservative | £581 | 9.7% | 6.2% | £122 | 5.8% |
| Base | £625 | 10.4% | 6.9% | £188 | 9.9% |
| Optimistic | £675 | 11.3% | 7.7% | £260 | 14.6% |
| Bull | £738 | 12.3% | 8.7% | £343 | 20.6% |
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