Rawling Road, Gateshead, NE8
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £170,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 1087 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Motivated Seller Analysis
Standard — 2/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £530 |
| ICR (actual) | 3.82x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £170,000 |
| Deposit (25% — 75% LTV) | £42,500 |
| SDLT (additional property, 5% surcharge) | £9,400 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £54,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £170,000 | Loan (75% LTV) | £127,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £584 |
| Rent needed (1.5×) | £877/mo | Estimated rent | £2,025/mo |
| Stress ratio | 3.47× (need ≥ 1.5×) +£1148 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 | £2,670 |
| SA net/mo | £2,200 |
| BTL est./mo | £2,024 |
| SA vs BTL uplift | +£646/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £183,071 | +£13,071 | £48,908 | +£6,408 (3.8%) |
| 5 years | £192,339 | +£22,339 | £55,813 | +£13,313 (7.8%) |
| 7 years | £202,077 | +£32,077 | £63,067 | +£20,567 (12.1%) |
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 | £24,293 | £175,100 | £17,046 | £10,671 | £15,771 | 28.2% |
| Yr 3 | £25,523 | £185,764 | £17,931 | £33,336 | £49,099 | 87.7% |
| Yr 5 | £26,815 | £197,077 | £18,862 | £57,838 | £84,915 | 151.6% |
| Yr 10 | £30,339 | £228,466 | £21,399 | £127,758 | £186,224 | 332.5% |
| Yr 15 | £34,325 | £264,854 | £24,269 | £211,347 | £306,201 | 546.8% |
| Yr 20 | £38,836 | £307,039 | £27,517 | £310,401 | £447,439 | 799.0% |
| Yr 25 | £43,939 | £355,942 | £31,191 | £426,952 | £612,894 | 1094.5% |
| Yr 30 | £49,713 | £412,635 | £35,349 | £563,300 | £805,935 | 1439.2% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — NE8 4 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,721 | 12.2% | 7.6% | £391 | 9.2% |
| Conservative | £1,883 | 13.3% | 9.0% | £697 | 17.2% |
| Base | £2,025 | 14.3% | 10.0% | £890 | 20.9% |
| Optimistic | £2,187 | 15.4% | 11.2% | £1,103 | 25.2% |
| Bull | £2,390 | 16.9% | 12.6% | £1,354 | 30.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●14.29% |
| Net Yield | ●10.03% |
| Net Annual Income | £17,051 |
| Deductions: void 8% (−£1,943) · mgmt 10% (−£2,429) · maint 10% (−£2,429) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£891 |
| Cash-on-Cash Return | ●19.06% |
| 5-Year IRR | ●20.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £3,832 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,721 | 12.2% | 7.6% | £391 | 9.2% |
| Conservative | £1,883 | 13.3% | 9.0% | £697 | 17.2% |
| Base | £2,025 | 14.3% | 10.0% | £890 | 20.9% |
| Optimistic | £2,187 | 15.4% | 11.2% | £1,103 | 25.2% |
| Bull | £2,390 | 16.9% | 12.6% | £1,354 | 30.7% |