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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 52% above the area median. Offers anchored to area median of £62,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Total Estimated Refurb | £10,200 |
⚠ Indicative estimates only. Based on photo condition score and regional benchmarks for a typical 2–3 bed property. Always obtain contractor quotes before committing to a refurb budget. Photo AI may over-flag minor cosmetic issues.
🔧 Local Trades
| Trade | Name | Phone | |
|---|---|---|---|
| builder | Builders Middlesbrough | Project Management | Quality ... | 07960 485 880 | — |
| decorator | Decorator Teesside | Painters | Decorating Services | 07376 496299 | — |
| photographer | The Studio North East | 01642 205465 | — |
Property Details
- Asking Price
- £95,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Est. Floor Area
- 600–700 sqft (est.)
- 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 | £9,110 | £97,850 | £6,115 | £2,552 | £5,402 | 16.6% |
| Yr 3 | £9,572 | £103,809 | £6,447 | £8,152 | £16,961 | 52.0% |
| Yr 5 | £10,056 | £110,131 | £6,796 | £14,442 | £29,573 | 90.7% |
| Yr 10 | £11,378 | £127,672 | £7,747 | £33,414 | £66,086 | 202.7% |
| Yr 15 | £12,873 | £148,007 | £8,823 | £57,513 | £110,520 | 339.0% |
| Yr 20 | £14,565 | £171,581 | £10,041 | £87,412 | £163,992 | 503.0% |
| Yr 25 | £16,478 | £198,909 | £11,419 | £123,872 | £227,781 | 698.7% |
| Yr 30 | £18,644 | £230,590 | £12,979 | £167,757 | £303,347 | 930.5% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 8.1% | 4.8% | £-4 | -4.5% |
| Conservative | £706 | 8.9% | 5.8% | £130 | 5.3% |
| Base | £759 | 9.6% | 6.4% | £213 | 9.5% |
| Optimistic | £820 | 10.4% | 7.2% | £302 | 14.4% |
| Bull | £896 | 11.3% | 8.1% | £406 | 20.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.59% |
| Net Yield | ●6.43% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£213 |
| Cash-on-Cash Return | ●7.82% |
| 5-Year IRR | ●9.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,750 |
| Section 24 Extra Tax/yr (higher rate) | £712 |
| SPV Annual Saving | £1,564 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,131 |
| Less: Purchase Price | −£95,000 |
| Less: Buying Costs (SDLT + legal) | −£7,350 |
| Less: Selling Costs (est. 2.5%) | −£2,753 |
| = CGT Net Gain (5yr) | £5,028 |
| CGT at 24% | £487 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 8.1% | 4.8% | £-4 | -4.5% |
| Conservative | £706 | 8.9% | 5.8% | £130 | 5.3% |
| Base | £759 | 9.6% | 6.4% | £213 | 9.5% |
| Optimistic | £820 | 10.4% | 7.2% | £302 | 14.4% |
| Bull | £896 | 11.3% | 8.1% | £406 | 20.5% |
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