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Terraced · 2 bed
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Suggested Offer Range
Already 33% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £650 |
| Bathroom | £450 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| Total Estimated Refurb | £1,700 |
⚠ 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.
Property Details
- Asking Price
- £78,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Comparable Sales in this postcode sector
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| Sector sale 1 | Terraced | 2 | — | — | — | — |
| Sector sale 2 | Terraced | 2 | — | — | — | — |
| Sector sale 3 | Terraced | 2 | — | — | — | — |
| Sector sale 4 | Terraced | 2 | — | — | — | — |
| Sector sale 5 | Terraced | 2 | — | — | — | — |
■ Above subject ■ Below subject
Based on 5 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
Location
Motivated Seller Analysis
Watch — 5/10Behavioural signals: 240 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £243 |
| ICR (actual) | 2.3x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £78,000 |
| Deposit (25% — 75% LTV) | £19,500 |
| SDLT (additional property, 5% surcharge) | £3,900 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £26,399 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £78,000 | Loan (75% LTV) | £58,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £268 |
| Rent needed (1.5×) | £402/mo | Estimated rent | £559/mo |
| Stress ratio | 2.08× (need ≥ 1.5×) +£157 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 |
| GDV (comp median) | £115,000 |
| 75% remortgage | £86,250 |
| Cash left in deal | £0 (100% recycled) |
| Est. BTL cashflow | +£4/mo |
| Gross margin | +£37,000 |
| Reno cost (est.) | –£1,700 |
| Buy + sell costs | –£9,225 |
| Net profit | +£26,075 (123.0% ROI) |
| SA gross/mo | £1,641 |
| SA net/mo | £1,294 |
| BTL est./mo | £559 |
| SA vs BTL uplift | +£1,082/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £83,997 | +£5,997 | £22,018 | +£2,518 (3.2%) |
| 5 years | £88,250 | +£10,250 | £25,186 | +£5,686 (7.3%) |
| 7 years | £92,717 | +£14,717 | £28,515 | +£9,015 (11.6%) |
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 | £6,708 | £80,340 | £4,385 | £1,460 | £3,800 | 13.8% |
| Yr 3 | £7,048 | £85,233 | £4,629 | £4,745 | £11,977 | 43.6% |
| Yr 5 | £7,404 | £90,423 | £4,886 | £8,537 | £20,960 | 76.2% |
| Yr 10 | £8,377 | £104,825 | £5,587 | £20,410 | £47,235 | 171.8% |
| Yr 15 | £9,478 | £121,521 | £6,379 | £36,057 | £79,578 | 289.4% |
| Yr 20 | £10,724 | £140,877 | £7,276 | £55,975 | £118,851 | 432.2% |
| Yr 25 | £12,133 | £163,315 | £8,291 | £80,724 | £166,038 | 603.8% |
| Yr 30 | £13,727 | £189,326 | £9,439 | £110,940 | £222,266 | 808.2% |
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)
2 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 | £475 | 7.3% | 4.2% | £-45 | -8.0% |
| Conservative | £520 | 8.0% | 5.0% | £59 | 2.4% |
| Base | £559 | 8.6% | 5.6% | £122 | 6.7% |
| Optimistic | £604 | 9.3% | 6.3% | £190 | 11.6% |
| Bull | £660 | 10.1% | 7.1% | £269 | 17.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.6% |
| Net Yield | ●5.62% |
| Net Annual Income | £4,385 |
| Deductions: void 8% (−£537) · mgmt 10% (−£671) · maint 10% (−£671) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £243 |
| Monthly Cashflow (IO) | ●£122 |
| Cash-on-Cash Return | ●5.31% |
| 5-Year IRR | ●6.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,900 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,900 |
| Section 24 Extra Tax/yr (higher rate) | £585 |
| SPV Annual Saving | £1,197 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £90,423 |
| Less: Purchase Price | −£78,000 |
| Less: Buying Costs (SDLT + legal) | −£6,500 |
| Less: Selling Costs (est. 2.5%) | −£2,261 |
| = CGT Net Gain (5yr) | £3,662 |
| CGT at 24% | £159 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £475 | 7.3% | 4.2% | £-45 | -8.0% |
| Conservative | £520 | 8.0% | 5.0% | £59 | 2.4% |
| Base | £559 | 8.6% | 5.6% | £122 | 6.7% |
| Optimistic | £604 | 9.3% | 6.3% | £190 | 11.6% |
| Bull | £660 | 10.1% | 7.1% | £269 | 17.9% |