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Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the area median — some negotiation possible but limited margin. 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 | 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
- £250,000
- Property Type
- Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,100–1,200 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 | £13,975 | £257,500 | £9,617 | £242 | £7,742 | 9.5% |
| Yr 3 | £14,682 | £273,182 | £10,126 | £1,487 | £24,669 | 30.2% |
| Yr 5 | £15,426 | £289,819 | £10,662 | £3,789 | £43,608 | 53.4% |
| Yr 10 | £17,453 | £335,979 | £12,121 | £14,528 | £100,508 | 123.2% |
| Yr 15 | £19,746 | £389,492 | £13,772 | £33,131 | £172,623 | 211.5% |
| Yr 20 | £22,341 | £451,528 | £15,641 | £60,630 | £262,158 | 321.3% |
| Yr 25 | £25,277 | £523,444 | £17,754 | £98,195 | £371,640 | 455.4% |
| Yr 30 | £28,599 | £606,816 | £20,146 | £147,149 | £503,965 | 617.6% |
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 | £989 | 4.7% | 2.9% | £-410 | -13.1% |
| Conservative | £1,083 | 5.2% | 3.5% | £-139 | -1.8% |
| Base | £1,164 | 5.6% | 3.8% | £20 | 3.0% |
| Optimistic | £1,257 | 6.0% | 4.3% | £190 | 8.5% |
| Bull | £1,374 | 6.6% | 4.8% | £382 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.59% |
| Net Yield | ●3.84% |
| Net Annual Income | £9,612 |
| Deductions: void 8% (−£1,118) · mgmt 10% (−£1,398) · maint 10% (−£1,398) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £780 |
| Monthly Cashflow (IO) | ●£21 |
| Cash-on-Cash Return | ●0.29% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £15,000 |
| SDLT Effective Rate | 6.0% |
| SDLT (Company) | £15,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,875 |
| SPV Annual Saving | £2,536 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £289,819 |
| Less: Purchase Price | −£250,000 |
| Less: Buying Costs (SDLT + legal) | −£17,600 |
| Less: Selling Costs (est. 2.5%) | −£7,245 |
| = CGT Net Gain (5yr) | £14,974 |
| CGT at 24% | £2,874 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £989 | 4.7% | 2.9% | £-410 | -13.1% |
| Conservative | £1,083 | 5.2% | 3.5% | £-139 | -1.8% |
| Base | £1,164 | 5.6% | 3.8% | £20 | 3.0% |
| Optimistic | £1,257 | 6.0% | 4.3% | £190 | 8.5% |
| Bull | £1,374 | 6.6% | 4.8% | £382 | 15.4% |
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