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Maisonette · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 32% above the area median. Offers anchored to area median of £80,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Total Estimated Refurb | £10,200 |
⚠ 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
- £105,000
- Property Type
- Maisonette
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 sqft
- 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 | £108,150 | £9,716 | £5,778 | £8,928 | 25.1% |
| Yr 3 | £14,826 | £114,736 | £10,230 | £18,103 | £27,839 | 78.2% |
| Yr 5 | £15,577 | £121,724 | £10,770 | £31,495 | £48,219 | 135.4% |
| Yr 10 | £17,624 | £141,111 | £12,244 | £70,009 | £106,120 | 298.1% |
| Yr 15 | £19,940 | £163,587 | £13,912 | £116,462 | £175,049 | 491.7% |
| Yr 20 | £22,560 | £189,642 | £15,798 | £171,900 | £256,542 | 720.6% |
| Yr 25 | £25,525 | £219,847 | £17,933 | £237,502 | £352,349 | 989.7% |
| Yr 30 | £28,879 | £254,863 | £20,348 | £314,605 | £464,467 | 1304.7% |
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 | £1,000 | 11.4% | 7.0% | £186 | 5.6% |
| Conservative | £1,094 | 12.5% | 8.3% | £368 | 14.1% |
| Base | £1,176 | 13.4% | 9.3% | £482 | 17.8% |
| Optimistic | £1,270 | 14.5% | 10.3% | £607 | 22.2% |
| Bull | £1,388 | 15.9% | 11.6% | £755 | 27.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.44% |
| Net Yield | ●9.25% |
| 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 | £327 |
| Monthly Cashflow (IO) | ●£483 |
| Cash-on-Cash Return | ●16.23% |
| 5-Year IRR | ●17.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,250 |
| Section 24 Extra Tax/yr (higher rate) | £788 |
| SPV Annual Saving | £2,283 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £121,724 |
| Less: Purchase Price | −£105,000 |
| Less: Buying Costs (SDLT + legal) | −£7,850 |
| Less: Selling Costs (est. 2.5%) | −£3,043 |
| = CGT Net Gain (5yr) | £5,831 |
| CGT at 24% | £679 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 11.4% | 7.0% | £186 | 5.6% |
| Conservative | £1,094 | 12.5% | 8.3% | £368 | 14.1% |
| Base | £1,176 | 13.4% | 9.3% | £482 | 17.8% |
| Optimistic | £1,270 | 14.5% | 10.3% | £607 | 22.2% |
| Bull | £1,388 | 15.9% | 11.6% | £755 | 27.8% |
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