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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 22% 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 | £500 |
| Bedroom 2 | £500 |
| Bedroom 3 | £500 |
| 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
- £170,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 | £14,110 | £175,100 | £9,714 | £3,339 | £8,439 | 15.1% |
| Yr 3 | £14,824 | £185,764 | £10,229 | £10,786 | £26,549 | 47.4% |
| Yr 5 | £15,575 | £197,077 | £10,769 | £19,300 | £46,377 | 82.8% |
| Yr 10 | £17,621 | £228,466 | £12,242 | £45,617 | £104,083 | 185.9% |
| Yr 15 | £19,937 | £264,854 | £13,910 | £79,874 | £174,728 | 312.0% |
| Yr 20 | £22,557 | £307,039 | £15,796 | £123,113 | £260,152 | 464.6% |
| Yr 25 | £25,521 | £355,942 | £17,930 | £176,516 | £362,458 | 647.2% |
| Yr 30 | £28,875 | £412,635 | £20,345 | £241,416 | £484,051 | 864.4% |
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
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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 | £1,000 | 7.1% | 4.3% | £-78 | -6.3% |
| Conservative | £1,094 | 7.7% | 5.1% | £144 | 3.9% |
| Base | £1,176 | 8.3% | 5.7% | £278 | 8.3% |
| Optimistic | £1,270 | 9.0% | 6.4% | £425 | 13.4% |
| Bull | £1,388 | 9.8% | 7.2% | £593 | 19.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.3% |
| Net Yield | ●5.72% |
| 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 | £530 |
| Monthly Cashflow (IO) | ●£280 |
| Cash-on-Cash Return | ●5.97% |
| 5-Year IRR | ●8.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £2,406 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 7.1% | 4.3% | £-78 | -6.3% |
| Conservative | £1,094 | 7.7% | 5.1% | £144 | 3.9% |
| Base | £1,176 | 8.3% | 5.7% | £278 | 8.3% |
| Optimistic | £1,270 | 9.0% | 6.4% | £425 | 13.4% |
| Bull | £1,388 | 9.8% | 7.2% | £593 | 19.8% |
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