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Flat · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 12% above the area median. Offers anchored to area median of £116,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Refurb cost estimate pending — this listing hasn't been through cost analysis yet. Runs nightly; check back within 24–48 hours.
🔧 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
- £130,000
- Property Type
- Flat
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 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 | £14,118 | £133,900 | £9,720 | £4,845 | £8,745 | 20.2% |
| Yr 3 | £14,833 | £142,055 | £10,235 | £15,304 | £27,358 | 63.3% |
| Yr 5 | £15,584 | £150,706 | £10,775 | £26,830 | £47,536 | 110.0% |
| Yr 10 | £17,631 | £174,709 | £12,250 | £60,682 | £105,391 | 244.0% |
| Yr 15 | £19,948 | £202,536 | £13,918 | £102,477 | £175,013 | 405.1% |
| Yr 20 | £22,570 | £234,794 | £15,805 | £153,260 | £258,055 | 597.3% |
| Yr 25 | £25,536 | £272,191 | £17,941 | £214,212 | £356,403 | 825.0% |
| Yr 30 | £28,891 | £315,544 | £20,357 | £286,669 | £472,213 | 1093.1% |
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?
📄 Lease Information
Estimated remaining lease: 960 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 9.2% | 5.7% | £85 | -0.1% |
| Conservative | £1,094 | 10.1% | 6.7% | £282 | 9.2% |
| Base | £1,176 | 10.9% | 7.5% | £403 | 13.3% |
| Optimistic | £1,270 | 11.7% | 8.3% | £537 | 17.9% |
| Bull | £1,388 | 12.8% | 9.4% | £693 | 23.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.86% |
| Net Yield | ●7.47% |
| Net Annual Income | £9,716 |
| Deductions: void 8% (−£1,129) · mgmt 10% (−£1,412) · maint 10% (−£1,412) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£405 |
| Cash-on-Cash Return | ●11.21% |
| 5-Year IRR | ●13.3% |
● 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 | £2,331 |
| 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 | £1,000 | 9.2% | 5.7% | £85 | -0.1% |
| Conservative | £1,094 | 10.1% | 6.7% | £282 | 9.2% |
| Base | £1,176 | 10.9% | 7.5% | £403 | 13.3% |
| Optimistic | £1,270 | 11.7% | 8.3% | £537 | 17.9% |
| Bull | £1,388 | 12.8% | 9.4% | £693 | 23.9% |
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