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Ground Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £85,000. 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 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Entrance Hall | £200 |
| 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
- £90,000
- Property Type
- Ground Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £11,907 | £92,700 | £8,128 | £4,753 | £7,453 | 24.0% |
| Yr 3 | £12,510 | £98,345 | £8,562 | £14,907 | £23,253 | 74.8% |
| Yr 5 | £13,143 | £104,335 | £9,018 | £25,963 | £40,297 | 129.6% |
| Yr 10 | £14,870 | £120,952 | £10,262 | £57,847 | £88,800 | 285.5% |
| Yr 15 | £16,824 | £140,217 | £11,668 | £96,431 | £146,648 | 471.5% |
| Yr 20 | £19,035 | £162,550 | £13,260 | £142,595 | £215,145 | 691.8% |
| Yr 25 | £21,536 | £188,440 | £15,061 | £197,336 | £295,776 | 951.0% |
| Yr 30 | £24,367 | £218,454 | £17,099 | £261,780 | £390,233 | 1254.8% |
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?
📄 Lease Information
Estimated remaining lease: 111 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 11.2% | 6.8% | £145 | 4.4% |
| Conservative | £923 | 12.3% | 8.1% | £299 | 12.9% |
| Base | £992 | 13.2% | 9.0% | £396 | 16.7% |
| Optimistic | £1,071 | 14.3% | 10.1% | £503 | 21.0% |
| Bull | £1,171 | 15.6% | 11.4% | £628 | 26.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.23% |
| Net Yield | ●9.03% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£953) · mgmt 10% (−£1,191) · maint 10% (−£1,191) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £281 |
| Monthly Cashflow (IO) | ●£396 |
| Cash-on-Cash Return | ●15.28% |
| 5-Year IRR | ●16.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £1,946 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 11.2% | 6.8% | £145 | 4.4% |
| Conservative | £923 | 12.3% | 8.1% | £299 | 12.9% |
| Base | £992 | 13.2% | 9.0% | £396 | 16.7% |
| Optimistic | £1,071 | 14.3% | 10.1% | £503 | 21.0% |
| Bull | £1,171 | 15.6% | 11.4% | £628 | 26.6% |
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