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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 5/10 · 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
- £70,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £9,107 | £72,100 | £6,112 | £3,487 | £5,587 | 22.3% |
| Yr 3 | £9,568 | £76,491 | £6,444 | £10,957 | £17,448 | 69.5% |
| Yr 5 | £10,052 | £81,149 | £6,793 | £19,116 | £30,265 | 120.6% |
| Yr 10 | £11,373 | £94,074 | £7,744 | £42,761 | £66,835 | 266.3% |
| Yr 15 | £12,868 | £109,058 | £8,820 | £71,530 | £110,588 | 440.6% |
| Yr 20 | £14,559 | £126,428 | £10,037 | £106,097 | £162,525 | 647.5% |
| Yr 25 | £16,472 | £146,564 | £11,415 | £147,224 | £223,788 | 891.6% |
| Yr 30 | £18,637 | £169,908 | £12,973 | £195,772 | £295,680 | 1178.0% |
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
View all planning applications on your dashboard →
● 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 | 11.1% | 6.6% | £98 | 2.4% |
| Conservative | £706 | 12.1% | 7.8% | £216 | 11.1% |
| Base | £759 | 13.0% | 8.7% | £291 | 14.8% |
| Optimistic | £820 | 14.1% | 9.8% | £373 | 19.2% |
| Bull | £896 | 15.4% | 11.0% | £469 | 24.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.01% |
| Net Yield | ●8.73% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£291 |
| Cash-on-Cash Return | ●13.9% |
| 5-Year IRR | ●14.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,500 |
| Section 24 Extra Tax/yr (higher rate) | £525 |
| SPV Annual Saving | £1,518 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £81,149 |
| Less: Purchase Price | −£70,000 |
| Less: Buying Costs (SDLT + legal) | −£6,100 |
| Less: Selling Costs (est. 2.5%) | −£2,029 |
| = CGT Net Gain (5yr) | £3,020 |
| CGT at 24% | £5 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 11.1% | 6.6% | £98 | 2.4% |
| Conservative | £706 | 12.1% | 7.8% | £216 | 11.1% |
| Base | £759 | 13.0% | 8.7% | £291 | 14.8% |
| Optimistic | £820 | 14.1% | 9.8% | £373 | 19.2% |
| Bull | £896 | 15.4% | 11.0% | £469 | 24.8% |
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