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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 23% 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: 5/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,250 |
| Bathroom | £2,400 |
| Living Room | £1,450 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Bedroom 3 | £800 |
| Bedroom 4 | £800 |
| Entrance Hall | £300 |
| 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 | DP Construction NE Ltd | Builders | Newcastle, UK | 0191 256 6655 | — |
| decorator | Painter & Decorator Newcastle | Gosforth | Jesmond | 0191 284 1798 | — |
| photographer | Geoff Love Photography: Wedding Photographer Newcastle | 04615625410 | — |
Property Details
- Asking Price
- £145,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £21,924 | £149,350 | £15,340 | £9,903 | £14,253 | 29.7% |
| Yr 3 | £23,034 | £158,445 | £16,139 | £30,902 | £44,348 | 92.4% |
| Yr 5 | £24,200 | £168,095 | £16,979 | £53,560 | £76,655 | 159.7% |
| Yr 10 | £27,380 | £194,868 | £19,269 | £118,024 | £167,891 | 349.8% |
| Yr 15 | £30,978 | £225,905 | £21,859 | £194,823 | £275,728 | 574.4% |
| Yr 20 | £35,049 | £261,886 | £24,790 | £285,580 | £402,466 | 838.5% |
| Yr 25 | £39,655 | £303,598 | £28,106 | £392,127 | £550,725 | 1147.3% |
| Yr 30 | £44,865 | £351,953 | £31,858 | £516,541 | £723,495 | 1507.3% |
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 | £1,553 | 12.9% | 8.0% | £383 | 10.9% |
| Conservative | £1,699 | 14.1% | 9.5% | £654 | 18.8% |
| Base | £1,827 | 15.1% | 10.6% | £825 | 22.4% |
| Optimistic | £1,973 | 16.3% | 11.8% | £1,015 | 26.5% |
| Bull | £2,156 | 17.8% | 13.3% | £1,239 | 31.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.12% |
| Net Yield | ●10.58% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,754) · mgmt 10% (−£2,192) · maint 10% (−£2,192) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£826 |
| Cash-on-Cash Return | ●20.63% |
| 5-Year IRR | ●22.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £3,452 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 12.9% | 8.0% | £383 | 10.9% |
| Conservative | £1,699 | 14.1% | 9.5% | £654 | 18.8% |
| Base | £1,827 | 15.1% | 10.6% | £825 | 22.4% |
| Optimistic | £1,973 | 16.3% | 11.8% | £1,015 | 26.5% |
| Bull | £2,156 | 17.8% | 13.3% | £1,239 | 31.9% |
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