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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 11% 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
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
- £80,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £9,112 | £82,400 | £6,116 | £3,116 | £5,516 | 19.6% |
| Yr 3 | £9,573 | £87,418 | £6,448 | £9,843 | £17,261 | 61.4% |
| Yr 5 | £10,058 | £92,742 | £6,797 | £17,260 | £30,002 | 106.8% |
| Yr 10 | £11,380 | £107,513 | £7,748 | £39,051 | £66,565 | 236.9% |
| Yr 15 | £12,875 | £124,637 | £8,825 | £65,970 | £110,607 | 393.6% |
| Yr 20 | £14,567 | £144,489 | £10,043 | £98,689 | £163,178 | 580.7% |
| Yr 25 | £16,481 | £167,502 | £11,421 | £137,972 | £225,474 | 802.4% |
| Yr 30 | £18,647 | £194,181 | £12,981 | £184,680 | £298,861 | 1063.6% |
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 | £645 | 9.7% | 5.7% | £57 | -0.8% |
| Conservative | £706 | 10.6% | 6.9% | £182 | 8.4% |
| Base | £759 | 11.4% | 7.6% | £259 | 12.4% |
| Optimistic | £820 | 12.3% | 8.5% | £345 | 16.9% |
| Bull | £896 | 13.4% | 9.7% | £444 | 22.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.39% |
| Net Yield | ●7.64% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £250 |
| Monthly Cashflow (IO) | ●£259 |
| Cash-on-Cash Return | ●11.08% |
| 5-Year IRR | ●12.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,000 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,537 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,742 |
| Less: Purchase Price | −£80,000 |
| Less: Buying Costs (SDLT + legal) | −£6,600 |
| Less: Selling Costs (est. 2.5%) | −£2,319 |
| = CGT Net Gain (5yr) | £3,823 |
| CGT at 24% | £198 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 9.7% | 5.7% | £57 | -0.8% |
| Conservative | £706 | 10.6% | 6.9% | £182 | 8.4% |
| Base | £759 | 11.4% | 7.6% | £259 | 12.4% |
| Optimistic | £820 | 12.3% | 8.5% | £345 | 16.9% |
| Bull | £896 | 13.4% | 9.7% | £444 | 22.8% |
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