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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 35% above the area median. Offers anchored to area median of £140,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 7/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Bedroom 3 | £350 |
| Bedroom 4 | £350 |
| 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
- £190,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £21,926 | £195,700 | £15,342 | £8,217 | £13,917 | 22.3% |
| Yr 3 | £23,036 | £207,618 | £16,141 | £25,844 | £43,462 | 69.7% |
| Yr 5 | £24,202 | £220,262 | £16,981 | £45,130 | £75,392 | 120.8% |
| Yr 10 | £27,383 | £255,344 | £19,270 | £101,165 | £166,509 | 266.8% |
| Yr 15 | £30,981 | £296,014 | £21,861 | £169,536 | £275,550 | 441.6% |
| Yr 20 | £35,052 | £343,161 | £24,792 | £251,866 | £405,027 | 649.1% |
| Yr 25 | £39,658 | £397,818 | £28,109 | £349,989 | £557,807 | 893.9% |
| Yr 30 | £44,870 | £461,180 | £31,861 | £465,980 | £737,160 | 1181.3% |
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
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● 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 | £1,553 | 9.8% | 6.1% | £200 | 2.3% |
| Conservative | £1,699 | 10.7% | 7.3% | £499 | 11.2% |
| Base | £1,827 | 11.5% | 8.1% | £685 | 15.3% |
| Optimistic | £1,973 | 12.5% | 9.0% | £889 | 19.9% |
| Bull | £2,156 | 13.6% | 10.1% | £1,126 | 25.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.54% |
| Net Yield | ●8.07% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,754) · mgmt 10% (−£2,193) · maint 10% (−£2,193) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £593 |
| Monthly Cashflow (IO) | ●£685 |
| Cash-on-Cash Return | ●13.17% |
| 5-Year IRR | ●15.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,800 |
| SDLT Effective Rate | 5.68% |
| SDLT (Company) | £10,800 |
| Section 24 Extra Tax/yr (higher rate) | £1,425 |
| SPV Annual Saving | £3,537 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £220,262 |
| Less: Purchase Price | −£190,000 |
| Less: Buying Costs (SDLT + legal) | −£13,400 |
| Less: Selling Costs (est. 2.5%) | −£5,507 |
| = CGT Net Gain (5yr) | £11,355 |
| CGT at 24% | £2,005 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 9.8% | 6.1% | £200 | 2.3% |
| Conservative | £1,699 | 10.7% | 7.3% | £499 | 11.2% |
| Base | £1,827 | 11.5% | 8.1% | £685 | 15.3% |
| Optimistic | £1,973 | 12.5% | 9.0% | £889 | 19.9% |
| Bull | £2,156 | 13.6% | 10.1% | £1,126 | 25.8% |
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