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Landscape Terrace, Greenside, Ryton, Tyne and Wear, NE40

Rightmove Sector: NE40 3

                    £110,000
                

asking price

vs Benchmark

-36%

below Sector Median

Est. £/sqft

£118

benchmark £188/sqft

Investment Score

9.5/10

strong opportunity

Days on Market

days listed

Suggested Offer Range

Low offer

£104,500

£5,500 below asking

Target offer

£106,700

£3,300 below asking

High offer

£110,000

At asking price

Already 44.6% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £110,000
Property Type: Terraced
Bedrooms: 2
Bathrooms: N/A
Est. Floor Area: 926 sqft (est.)
Article 4 Area: ✓ No restriction — SA permitted under PD rights

-35.7% vs Sector Median (n=72 sales)

This listing is priced below the postcode sector benchmark.

Motivated Seller Analysis

Standard — 2/10

Behavioural signals: Below market value

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£343
ICR (actual)	2.06x
Feasibility	PASS
💲 Total Cash Required
Purchase Price	£110,000
Deposit (25% — 75% LTV)	£27,500
SDLT (additional property, 5% surcharge)	£5,500
Legal fees (est.)	£1,500
Survey (est.)	£500
Arrangement fee (est.)	£999
Total cash required	£35,999

Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.

🔄 BRR Refinance Stress Test

✓ Passes stress test Rent covers 1.9x monthly interest — lender likely to approve.

Purchase price	£110,000	Loan (75% LTV)	£82,500
Rate (IO)	5.5% p.a.	Monthly interest	£378
Rent needed (1.5×)	£567/mo	Estimated rent	£706/mo
Stress ratio	1.87× (need ≥ 1.5×) +£139 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.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

✓ Viable

SA gross/mo	£1,025
SA net/mo	£752
BTL est./mo	£706
SA vs BTL uplift	+£319/mo

Hold Period	Est. Sale Price	Capital Gain	Net Proceeds	Total Return
3 years	£118,458	+£8,458	£31,371	+£3,871 (3.5%)
5 years	£124,455	+£14,455	£35,839	+£8,339 (7.6%)
7 years	£130,755	+£20,755	£40,533	+£13,033 (11.8%)

Break-even Horizon

54 months

Medium-term (3–5 years)

Flip Viability

Viable

Comp median: £188,850 — margin: +£78,850

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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Location

Comparable Sales in NE40 3

Address	Type	Beds	Price	£/sqft	Date	Distance
1, NORTHUMBERLAND ROAD, NE40 3PT	Terraced	2	£242,000	£281	27/03/26	1.38 mi
22, WOODSIDE WAY, NE40 3NG	Terraced	2	£148,000	£174	16/02/26	1.02 mi
7, SOUTH VIEW, NE40 3SY	Terraced	2	£279,500	£316	12/02/26	1.86 mi
8, IVY AVENUE, NE40 3PU	Terraced	4	£242,000	£170	26/01/26	1.36 mi
4, KING EDWARD ROAD, NE40 3EJ	Terraced	2	£158,000	£198	21/01/26	1.17 mi
26, CROSS ROW, NE40 3EG	Terraced	2	£150,500	£212	23/12/25	1.01 mi
2, SEYMOUR TERRACE, NE40 3BE	Terraced	3	£188,850	£170	11/12/25	1.10 mi
20, TWEEDYS BUILDINGS, NE40 3BS	Terraced	2	£165,000	£204	05/12/25	1.12 mi
5, HOLLY AVENUE, NE40 3PP	Terraced	3	£235,000	£230	05/12/25	1.31 mi
14, TWEEDYS BUILDINGS, NE40 3BS	Terraced	3	£175,000	£189	28/11/25	1.12 mi

■ Above subject ■ Below subject

Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)

ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.

📈 Rental Yield & ROI Forecast

Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.

10-Year Projection

Break-even: Year 1 5yr IRR: 6.2%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£8,470	£113,300	£5,653	£1,528	£4,828	13.0%
Yr 3	£8,899	£120,200	£5,962	£5,046	£15,246	41.1%
Yr 5	£9,349	£127,520	£6,286	£9,205	£26,725	72.0%
Yr 10	£10,578	£147,831	£7,171	£22,623	£60,454	162.9%
Yr 15	£11,968	£171,376	£8,172	£40,806	£102,182	275.4%
Yr 20	£13,541	£198,672	£9,304	£64,382	£153,054	412.5%
Yr 25	£15,320	£230,316	£10,585	£94,058	£214,373	577.8%
Yr 30	£17,333	£266,999	£12,035	£130,636	£287,635	775.3%

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?

IMD (Overall)

                7/10
            

Low deprivation

Crime

                4/10
            

Mid deprivation

Income

                8/10
            

Low deprivation

Employment

                6/10
            

Mid deprivation

Education

                8/10
            

Low deprivation

Housing Barriers

                7/10
            

Low deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

5.1%

Gross:7.7%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 1/10

SDLT (Additional)

£5,500

5.0% effective rate · Company: £5,500

Void Risk

Medium

~5 weeks/year

Statistical CI (65%)

£183,712 –£213,058

vs Comparable Mean:-44.6%· n=10

Best Strategy

Serviced Accommodation

£409/mo

📊 NE40 market data →

SPV Tax Saving

£1,504/yr

Breakeven: — years

5-Year IRR

6.2%

IRR — Moderate

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£600	6.5%	3.9%	£-94	-8.9%
Conservative	£657	7.2%	4.6%	£44	1.8%
Base	£706	7.7%	5.1%	£127	6.2%
Optimistic	£762	8.3%	5.8%	£218	11.3%
Bull	£833	9.1%	6.5%	£321	17.8%

Detailed Analysis

💸 Yield & Returns

Gross Yield	●7.7%
Net Yield	●5.14%
Net Annual Income	£5,655
Deductions: void 8% (−£678) · mgmt 10% (−£847) · maint 10% (−£847) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage	£343
Monthly Cashflow (IO)	●£128
Cash-on-Cash Return	●4.12%
5-Year IRR	●6.2%

● Above benchmark ● Near benchmark ● Below benchmark

💰 Tax Analysis

SDLT (Additional Property)	£5,500
SDLT Effective Rate	5.0%
SDLT (Company)	£5,500
Section 24 Extra Tax/yr (higher rate)	£825
SPV Annual Saving	£1,504
SPV Breakeven	— yrs
CGT Projected Sale (5yr)	£127,520
Less: Purchase Price	−£110,000
Less: Buying Costs (SDLT + legal)	−£8,100
Less: Selling Costs (est. 2.5%)	−£3,188
= CGT Net Gain (5yr)	£6,232
CGT at 24%	£776

📈 Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£600	6.5%	3.9%	£-94	-8.9%
Conservative	£657	7.2%	4.6%	£44	1.8%
Base	£706	7.7%	5.1%	£127	6.2%
Optimistic	£762	8.3%	5.8%	£218	11.3%
Bull	£833	9.1%	6.5%	£321	17.8%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

Landscape Terrace, Greenside, Ryton, Tyne and Wear, NE40