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Walkerfield Court, Newcastle Upon Tyne

Rightmove Sector: NE6 5

                    £155,000
                

asking price

vs Benchmark

-37%

below Sector Median

Est. £/sqft

£169

benchmark £272/sqft

Investment Score

9.5/10

strong opportunity

Days on Market

109

motivated seller signal

Suggested Offer Range

Low offer

£147,250

£7,750 below asking

Target offer

£150,350

£4,650 below asking

High offer

£155,000

At asking price

Already 48.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £155,000
Property Type: Semi-Detached
Bedrooms: 2
Bathrooms: N/A
Floor Area: 624 sqft
Article 4 Area: ✓ No restriction — SA permitted under PD rights

-36.7% vs Sector Median (n=68 sales)

This listing is priced below the postcode sector benchmark.

Motivated Seller Analysis

Watch — 4/10

Behavioural signals: 109 days on marketBelow market value

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£483
ICR (actual)	2.05x
Feasibility	PASS
💲 Total Cash Required
Purchase Price	£155,000
Deposit (25% — 75% LTV)	£38,750
SDLT (additional property, 5% surcharge)	£8,350
Legal fees (est.)	£1,500
Survey (est.)	£500
Arrangement fee (est.)	£999
Total cash required	£50,099

Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.

🔄 BRR Refinance Stress Test

✓ Passes stress test Rent covers 1.9x monthly interest — lender likely to approve.

Purchase price	£155,000	Loan (75% LTV)	£116,250
Rate (IO)	5.5% p.a.	Monthly interest	£533
Rent needed (1.5×)	£799/mo	Estimated rent	£992/mo
Stress ratio	1.86× (need ≥ 1.5×) +£193 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.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

✓ Viable

SA gross/mo	£1,284
SA net/mo	£980
BTL est./mo	£992
SA vs BTL uplift	+£292/mo

Hold Period	Est. Sale Price	Capital Gain	Net Proceeds	Total Return
3 years	£166,918	+£11,918	£44,524	+£5,774 (3.7%)
5 years	£175,368	+£20,368	£50,819	+£12,069 (7.8%)
7 years	£184,246	+£29,246	£57,433	+£18,683 (12.1%)

Break-even Horizon

49 months

Medium-term (3–5 years)

Flip Viability

Viable

Comp median: £280,000 — margin: +£125,000

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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Location

Comparable Sales in NE6 5

Address	Type	Beds	Price	£/sqft	Date	Distance
43, HUNTCLIFFE GARDENS, NE6 5UD	Semi	1	£280,000	£441	16/03/26	1.25 mi
23, REDCAR ROAD, NE6 5UE	Semi	2	£215,000	£289	02/03/26	1.17 mi
61, CRAYTHORNE GARDENS, NE6 5UL	Semi	2	£300,000	£367	23/02/26	1.24 mi
31, BROUGH COURT, NE6 5EF	Semi	3	£191,500	£201	18/12/25	0.98 mi
1, ALEXANDRA ROAD, NE6 5QS	Semi	5	£264,100	£135	25/11/25	1.43 mi
85, DEBDON GARDENS, NE6 5TS	Semi	2	£280,000	£366	21/11/25	1.12 mi
22, CHILLINGHAM COURT, NE6 5EL	Semi	3	£142,500	£144	13/10/25	0.95 mi
19, SEFTON AVENUE, NE6 5QR	Semi	5	£555,000	£295	30/09/25	1.35 mi
3, IVYMOUNT ROAD, NE6 5RN	Semi	4	£372,500	£291	12/09/25	1.53 mi
291, HEATON ROAD, NE6 5QD	Semi	4	£430,000	£322	12/09/25	1.48 mi

■ Above subject ■ Below subject

Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)

ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.

📈 Rental Yield & ROI Forecast

Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.

10-Year Projection

Break-even: Year 1 5yr IRR: 6.9%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£11,904	£159,650	£8,126	£2,313	£6,963	13.6%
Yr 3	£12,507	£169,373	£8,560	£7,588	£21,961	42.9%
Yr 5	£13,140	£179,687	£9,016	£13,764	£38,451	75.1%
Yr 10	£14,866	£208,307	£10,259	£33,448	£86,755	169.4%
Yr 15	£16,820	£241,485	£11,665	£59,830	£146,315	285.8%
Yr 20	£19,030	£279,947	£13,257	£93,790	£218,737	427.2%
Yr 25	£21,531	£324,536	£15,057	£136,325	£305,860	597.4%
Yr 30	£24,360	£376,226	£17,095	£188,560	£409,785	800.4%

ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.

🌎 Area Profile — NE6 5 ⓘ What are deciles?

IMD (Overall)

                9/10
            

Low deprivation

Crime

                4/10
            

Mid deprivation

Income

                10/10
            

Low deprivation

Employment

                10/10
            

Low deprivation

Education

                10/10
            

Low deprivation

Housing Barriers

                10/10
            

Low deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

5.2%

Gross:7.7%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 2/10

SDLT (Additional)

£8,350

5.4% effective rate · Company: £8,350

Void Risk

Medium

~5 weeks/year

Statistical CI (65%)

£265,168 –£340,952

vs Comparable Mean:-48.9%· n=10

Best Strategy

Serviced Accommodation

£497/mo

📊 NE6 market data →

SPV Tax Saving

£2,069/yr

Breakeven: — years

5-Year IRR

6.9%

IRR — Moderate

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£843	6.5%	4.0%	£-119	-8.1%
Conservative	£923	7.1%	4.7%	£76	2.4%
Base	£992	7.7%	5.2%	£193	6.9%
Optimistic	£1,071	8.3%	5.9%	£320	12.0%
Bull	£1,171	9.1%	6.6%	£465	18.6%

⚠ Condition Flags

Extended Market Time (MODERATE)

Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties

Detailed Analysis

💸 Yield & Returns

Gross Yield	●7.68%
Net Yield	●5.24%
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	£483
Monthly Cashflow (IO)	●£194
Cash-on-Cash Return	●4.52%
5-Year IRR	●6.9%

● Above benchmark ● Near benchmark ● Below benchmark

💰 Tax Analysis

SDLT (Additional Property)	£8,350
SDLT Effective Rate	5.39%
SDLT (Company)	£8,350
Section 24 Extra Tax/yr (higher rate)	£1,163
SPV Annual Saving	£2,069
SPV Breakeven	— yrs
CGT Projected Sale (5yr)	£179,687
Less: Purchase Price	−£155,000
Less: Buying Costs (SDLT + legal)	−£10,950
Less: Selling Costs (est. 2.5%)	−£4,492
= CGT Net Gain (5yr)	£9,245
CGT at 24%	£1,499

📈 Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£843	6.5%	4.0%	£-119	-8.1%
Conservative	£923	7.1%	4.7%	£76	2.4%
Base	£992	7.7%	5.2%	£193	6.9%
Optimistic	£1,071	8.3%	5.9%	£320	12.0%
Bull	£1,171	9.1%	6.6%	£465	18.6%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

Walkerfield Court, Newcastle Upon Tyne