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Terraced · 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: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £500 |
| Bedroom 2 | £500 |
| Bedroom 3 | £500 |
| 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 | 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
- £165,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,000–1,100 sqft
- 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 | £14,108 | £169,950 | £9,712 | £3,525 | £8,475 | 15.6% |
| Yr 3 | £14,822 | £180,300 | £10,227 | £11,343 | £26,643 | 49.0% |
| Yr 5 | £15,572 | £191,280 | £10,767 | £20,228 | £46,508 | 85.5% |
| Yr 10 | £17,618 | £221,746 | £12,240 | £47,472 | £104,218 | 191.6% |
| Yr 15 | £19,934 | £257,065 | £13,907 | £82,654 | £174,719 | 321.2% |
| Yr 20 | £22,553 | £298,008 | £15,793 | £126,817 | £259,826 | 477.6% |
| Yr 25 | £25,517 | £345,473 | £17,927 | £181,142 | £361,615 | 664.7% |
| Yr 30 | £28,870 | £400,498 | £20,341 | £246,962 | £482,461 | 886.9% |
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 | £1,000 | 7.3% | 4.5% | £-58 | -5.7% |
| Conservative | £1,094 | 8.0% | 5.3% | £161 | 4.4% |
| Base | £1,176 | 8.6% | 5.9% | £294 | 8.8% |
| Optimistic | £1,270 | 9.2% | 6.6% | £439 | 13.8% |
| Bull | £1,388 | 10.1% | 7.4% | £605 | 20.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.55% |
| Net Yield | ●5.89% |
| Net Annual Income | £9,716 |
| Deductions: void 8% (−£1,129) · mgmt 10% (−£1,411) · maint 10% (−£1,411) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £515 |
| Monthly Cashflow (IO) | ●£295 |
| Cash-on-Cash Return | ●6.49% |
| 5-Year IRR | ●8.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £2,396 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 7.3% | 4.5% | £-58 | -5.7% |
| Conservative | £1,094 | 8.0% | 5.3% | £161 | 4.4% |
| Base | £1,176 | 8.6% | 5.9% | £294 | 8.8% |
| Optimistic | £1,270 | 9.2% | 6.6% | £439 | 13.8% |
| Bull | £1,388 | 10.1% | 7.4% | £605 | 20.2% |
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