Cambridge Street, Newcastle Upon Tyne, NE4
Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Already 20.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £70,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Est. Floor Area
- 657 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £218 |
| ICR (actual) | 2.52x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £70,000 |
| Deposit (25% — 75% LTV) | £17,500 |
| SDLT (additional property, 5% surcharge) | £3,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £23,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £70,000 | Loan (75% LTV) | £52,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £241 |
| Rent needed (1.5×) | £361/mo | Estimated rent | £803/mo |
| Stress ratio | 3.34× (need ≥ 1.5×) +£442 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.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £970 |
| SA net/mo | £704 |
| BTL est./mo | £550 |
| SA vs BTL uplift | +£420/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £75,382 | +£5,382 | £19,680 | +£2,180 (3.1%) |
| 5 years | £79,199 | +£9,199 | £22,523 | +£5,023 (7.2%) |
| 7 years | £83,208 | +£13,208 | £25,510 | +£8,010 (11.4%) |
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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📈 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 | £6,601 | £72,100 | £4,308 | £1,683 | £3,783 | 15.1% |
| Yr 3 | £6,935 | £76,491 | £4,548 | £5,408 | £11,898 | 47.4% |
| Yr 5 | £7,286 | £81,149 | £4,801 | £9,632 | £20,781 | 82.8% |
| Yr 10 | £8,244 | £94,074 | £5,490 | £22,547 | £46,621 | 185.7% |
| Yr 15 | £9,327 | £109,058 | £6,270 | £39,175 | £78,233 | 311.7% |
| Yr 20 | £10,553 | £126,428 | £7,153 | £60,007 | £116,434 | 463.9% |
| Yr 25 | £11,939 | £146,564 | £8,151 | £85,592 | £162,157 | 646.0% |
| Yr 30 | £13,508 | £169,908 | £9,281 | £116,557 | £216,466 | 862.4% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — NE4 9 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £468 | 8.0% | 4.6% | £-18 | -6.4% |
| Conservative | £512 | 8.8% | 5.5% | £80 | 3.6% |
| Base | £550 | 9.4% | 6.2% | £140 | 7.8% |
| Optimistic | £594 | 10.2% | 6.9% | £206 | 12.6% |
| Bull | £649 | 11.1% | 7.8% | £281 | 18.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.43% |
| Net Yield | ●6.15% |
| Net Annual Income | £4,307 |
| Deductions: void 8% (−£528) · mgmt 10% (−£660) · maint 10% (−£660) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£141 |
| Cash-on-Cash Return | ●6.7% |
| 5-Year IRR | ●7.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,500 |
| Section 24 Extra Tax/yr (higher rate) | £525 |
| SPV Annual Saving | £1,167 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £81,149 |
| Less: Purchase Price | −£70,000 |
| Less: Buying Costs (SDLT + legal) | −£6,100 |
| Less: Selling Costs (est. 2.5%) | −£2,029 |
| = CGT Net Gain (5yr) | £3,020 |
| CGT at 24% | £5 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £468 | 8.0% | 4.6% | £-18 | -6.4% |
| Conservative | £512 | 8.8% | 5.5% | £80 | 3.6% |
| Base | £550 | 9.4% | 6.2% | £140 | 7.8% |
| Optimistic | £594 | 10.2% | 6.9% | £206 | 12.6% |
| Bull | £649 | 11.1% | 7.8% | £281 | 18.7% |