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Bungalow · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 68% below the area median — 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: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Total Estimated Refurb | £4,250 |
⚠ 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
- £92,000
- Property Type
- Bungalow
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 1,200–1,300 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 | £7,682 | £94,760 | £5,086 | £1,636 | £4,396 | 13.9% |
| Yr 3 | £8,071 | £100,531 | £5,366 | £5,326 | £13,857 | 43.7% |
| Yr 5 | £8,479 | £106,653 | £5,660 | £9,598 | £24,251 | 76.5% |
| Yr 10 | £9,594 | £123,640 | £6,463 | £23,016 | £54,657 | 172.4% |
| Yr 15 | £10,854 | £143,333 | £7,370 | £40,757 | £92,090 | 290.5% |
| Yr 20 | £12,281 | £166,162 | £8,397 | £63,389 | £137,551 | 433.9% |
| Yr 25 | £13,895 | £192,628 | £9,559 | £91,553 | £192,181 | 606.2% |
| Yr 30 | £15,721 | £223,308 | £10,874 | £125,978 | £257,286 | 811.6% |
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
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 | £544 | 7.1% | 4.1% | £-57 | -7.9% |
| Conservative | £595 | 7.8% | 5.0% | £63 | 2.5% |
| Base | £640 | 8.3% | 5.5% | £136 | 6.9% |
| Optimistic | £691 | 9.0% | 6.2% | £216 | 11.9% |
| Bull | £755 | 9.9% | 7.0% | £307 | 18.2% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.35% |
| Net Yield | ●5.53% |
| Net Annual Income | £5,085 |
| Deductions: void 8% (−£615) · mgmt 10% (−£768) · maint 10% (−£768) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £287 |
| Monthly Cashflow (IO) | ●£137 |
| Cash-on-Cash Return | ●5.16% |
| 5-Year IRR | ●6.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,600 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,600 |
| Section 24 Extra Tax/yr (higher rate) | £690 |
| SPV Annual Saving | £1,359 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £106,653 |
| Less: Purchase Price | −£92,000 |
| Less: Buying Costs (SDLT + legal) | −£7,200 |
| Less: Selling Costs (est. 2.5%) | −£2,666 |
| = CGT Net Gain (5yr) | £4,787 |
| CGT at 24% | £429 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £544 | 7.1% | 4.1% | £-57 | -7.9% |
| Conservative | £595 | 7.8% | 5.0% | £63 | 2.5% |
| Base | £640 | 8.3% | 5.5% | £136 | 6.9% |
| Optimistic | £691 | 9.0% | 6.2% | £216 | 11.9% |
| Bull | £755 | 9.9% | 7.0% | £307 | 18.2% |
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