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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 |
| 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
- £65,000
- Property Type
- Flat
- Bedrooms
- 2
- 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 | £11,902 | £66,950 | £8,124 | £5,687 | £7,637 | 32.4% |
| Yr 3 | £12,504 | £71,027 | £8,558 | £17,708 | £23,735 | 100.6% |
| Yr 5 | £13,137 | £75,353 | £9,014 | £30,629 | £40,982 | 173.7% |
| Yr 10 | £14,863 | £87,355 | £10,257 | £67,178 | £89,532 | 379.4% |
| Yr 15 | £16,817 | £101,268 | £11,663 | £110,423 | £146,690 | 621.6% |
| Yr 20 | £19,026 | £117,397 | £13,254 | £161,244 | £213,641 | 905.3% |
| Yr 25 | £21,527 | £136,096 | £15,054 | £220,638 | £291,734 | 1236.2% |
| Yr 30 | £24,355 | £157,772 | £17,091 | £289,731 | £382,503 | 1620.8% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 15.6% | 9.4% | £247 | 14.3% |
| Conservative | £923 | 17.0% | 11.2% | £385 | 21.5% |
| Base | £992 | 18.3% | 12.5% | £474 | 24.7% |
| Optimistic | £1,071 | 19.8% | 14.0% | £573 | 28.5% |
| Bull | £1,171 | 21.6% | 15.7% | £690 | 33.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●18.31% |
| Net Yield | ●12.5% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£952) · mgmt 10% (−£1,190) · maint 10% (−£1,190) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £203 |
| Monthly Cashflow (IO) | ●£474 |
| Cash-on-Cash Return | ●24.1% |
| 5-Year IRR | ●24.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,250 |
| Section 24 Extra Tax/yr (higher rate) | £488 |
| SPV Annual Saving | £1,900 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £75,353 |
| Less: Purchase Price | −£65,000 |
| Less: Buying Costs (SDLT + legal) | −£5,850 |
| Less: Selling Costs (est. 2.5%) | −£1,884 |
| = CGT Net Gain (5yr) | £2,619 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 15.6% | 9.4% | £247 | 14.3% |
| Conservative | £923 | 17.0% | 11.2% | £385 | 21.5% |
| Base | £992 | 18.3% | 12.5% | £474 | 24.7% |
| Optimistic | £1,071 | 19.8% | 14.0% | £573 | 28.5% |
| Bull | £1,171 | 21.6% | 15.7% | £690 | 33.4% |
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