Mardale Gardens, Low Fell, Gateshead, NE9
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 45.8% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £100,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 904 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 80 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £312 |
| ICR (actual) | 2.64x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £100,000 |
| Deposit (25% — 75% LTV) | £25,000 |
| SDLT (additional property, 5% surcharge) | £5,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £100,000 | Loan (75% LTV) | £75,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £344 |
| Rent needed (1.5×) | £516/mo | Estimated rent | £822/mo |
| Stress ratio | 2.39× (need ≥ 1.5×) +£306 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 | £2,047 |
| SA net/mo | £1,651 |
| BTL est./mo | £822 |
| SA vs BTL uplift | +£1,225/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £107,689 | +£7,689 | £28,448 | +£3,448 (3.4%) |
| 5 years | £113,141 | +£13,141 | £32,510 | +£7,510 (7.5%) |
| 7 years | £118,869 | +£18,869 | £36,777 | +£11,777 (11.8%) |
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 | £9,860 | £103,000 | £6,654 | £2,904 | £5,904 | 17.3% |
| Yr 3 | £10,359 | £109,273 | £7,014 | £9,249 | £18,522 | 54.3% |
| Yr 5 | £10,884 | £115,927 | £7,391 | £16,341 | £32,268 | 94.6% |
| Yr 10 | £12,314 | £134,392 | £8,421 | £37,585 | £71,977 | 211.1% |
| Yr 15 | £13,932 | £155,797 | £9,586 | £64,377 | £120,174 | 352.4% |
| Yr 20 | £15,763 | £180,611 | £10,904 | £97,447 | £178,058 | 522.2% |
| Yr 25 | £17,834 | £209,378 | £12,396 | £137,618 | £246,996 | 724.3% |
| Yr 30 | £20,178 | £242,726 | £14,083 | £185,824 | £328,550 | 963.5% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 Area Profile — NE9 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £699 | 8.4% | 5.0% | £11 | -3.6% |
| Conservative | £764 | 9.2% | 6.0% | £154 | 6.1% |
| Base | £822 | 9.9% | 6.7% | £242 | 10.3% |
| Optimistic | £888 | 10.7% | 7.4% | £339 | 15.1% |
| Bull | £970 | 11.6% | 8.4% | £450 | 21.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.86% |
| Net Yield | ●6.66% |
| Net Annual Income | £6,657 |
| Deductions: void 8% (−£789) · mgmt 10% (−£986) · maint 10% (−£986) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£243 |
| Cash-on-Cash Return | ●8.52% |
| 5-Year IRR | ●10.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,679 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £699 | 8.4% | 5.0% | £11 | -3.6% |
| Conservative | £764 | 9.2% | 6.0% | £154 | 6.1% |
| Base | £822 | 9.9% | 6.7% | £242 | 10.3% |
| Optimistic | £888 | 10.7% | 7.4% | £339 | 15.1% |
| Bull | £970 | 11.6% | 8.4% | £450 | 21.2% |