Park View Gardens, Ryton, Tyne and Wear, NE40
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 36.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £130,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 883 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 111 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £405 |
| ICR (actual) | 2.03x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 145% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £130,000 |
| Deposit (25% — 75% LTV) | £32,500 |
| SDLT (additional property, 5% surcharge) | £6,600 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £42,099 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £130,000 | Loan (75% LTV) | £97,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £447 |
| Rent needed (1.5×) | £670/mo | Estimated rent | £822/mo |
| Stress ratio | 1.84× (need ≥ 1.5×) +£152 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 | £1,154 |
| SA net/mo | £866 |
| BTL est./mo | £822 |
| SA vs BTL uplift | +£332/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £139,996 | +£9,996 | £37,217 | +£4,717 (3.6%) |
| 5 years | £147,083 | +£17,083 | £42,497 | +£9,997 (7.7%) |
| 7 years | £154,529 | +£24,529 | £48,044 | +£15,544 (12.0%) |
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 | £9,867 | £133,900 | £6,659 | £1,784 | £5,684 | 13.2% |
| Yr 3 | £10,367 | £142,055 | £7,019 | £5,890 | £17,944 | 41.5% |
| Yr 5 | £10,891 | £150,706 | £7,397 | £10,742 | £31,448 | 72.8% |
| Yr 10 | £12,323 | £174,709 | £8,427 | £26,392 | £71,101 | 164.6% |
| Yr 15 | £13,942 | £202,536 | £9,593 | £47,593 | £120,128 | 278.1% |
| Yr 20 | £15,774 | £234,794 | £10,912 | £75,075 | £179,870 | 416.4% |
| Yr 25 | £17,847 | £272,191 | £12,405 | £109,665 | £251,856 | 583.0% |
| Yr 30 | £20,192 | £315,544 | £14,093 | £152,295 | £337,839 | 782.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — NE40 3 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £699 | 6.4% | 3.8% | £-111 | -8.7% |
| Conservative | £764 | 7.1% | 4.6% | £51 | 2.0% |
| Base | £822 | 7.6% | 5.1% | £149 | 6.5% |
| Optimistic | £888 | 8.2% | 5.7% | £254 | 11.6% |
| Bull | £970 | 9.0% | 6.5% | £375 | 18.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.59% |
| Net Yield | ●5.12% |
| Net Annual Income | £6,657 |
| Deductions: void 8% (−£789) · mgmt 10% (−£987) · maint 10% (−£987) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£150 |
| Cash-on-Cash Return | ●4.12% |
| 5-Year IRR | ●6.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,735 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £699 | 6.4% | 3.8% | £-111 | -8.7% |
| Conservative | £764 | 7.1% | 4.6% | £51 | 2.0% |
| Base | £822 | 7.6% | 5.1% | £149 | 6.5% |
| Optimistic | £888 | 8.2% | 5.7% | £254 | 11.6% |
| Bull | £970 | 9.0% | 6.5% | £375 | 18.1% |