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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 41% above the area median. Offers anchored to area median of £127,000. 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 | £450 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| 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
- £180,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £14,112 | £185,400 | £9,716 | £2,966 | £8,366 | 14.1% |
| Yr 3 | £14,826 | £196,691 | £10,230 | £9,665 | £26,356 | 44.5% |
| Yr 5 | £15,577 | £208,669 | £10,770 | £17,433 | £46,102 | 77.9% |
| Yr 10 | £17,624 | £241,905 | £12,244 | £41,884 | £103,788 | 175.3% |
| Yr 15 | £19,940 | £280,434 | £13,912 | £74,275 | £174,709 | 295.1% |
| Yr 20 | £22,560 | £325,100 | £15,798 | £115,650 | £260,750 | 440.5% |
| Yr 25 | £25,525 | £376,880 | £17,933 | £167,190 | £364,070 | 615.0% |
| Yr 30 | £28,879 | £436,907 | £20,348 | £230,230 | £487,137 | 822.9% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | £1,000 | 6.7% | 4.1% | £-119 | -7.4% |
| Conservative | £1,094 | 7.3% | 4.9% | £110 | 2.9% |
| Base | £1,176 | 7.8% | 5.4% | £247 | 7.4% |
| Optimistic | £1,270 | 8.5% | 6.0% | £397 | 12.5% |
| Bull | £1,388 | 9.3% | 6.8% | £568 | 19.0% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.84% |
| Net Yield | ●5.4% |
| Net Annual Income | £9,716 |
| Deductions: void 8% (−£1,129) · mgmt 10% (−£1,411) · maint 10% (−£1,411) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£249 |
| Cash-on-Cash Return | ●5.01% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £2,424 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 6.7% | 4.1% | £-119 | -7.4% |
| Conservative | £1,094 | 7.3% | 4.9% | £110 | 2.9% |
| Base | £1,176 | 7.8% | 5.4% | £247 | 7.4% |
| Optimistic | £1,270 | 8.5% | 6.0% | £397 | 12.5% |
| Bull | £1,388 | 9.3% | 6.8% | £568 | 19.0% |
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