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Terraced · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 41% above the area median. Offers anchored to area median of £110,000. 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 | £300 |
| Bedroom 2 | £300 |
| Bedroom 3 | £300 |
| Bedroom 4 | £300 |
| Bedroom 5 | £300 |
| 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
- £155,000
- Property Type
- Terraced
- Bedrooms
- 5
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £14,384 | £159,650 | £9,911 | £4,099 | £8,749 | 17.1% |
| Yr 3 | £15,112 | £169,373 | £10,436 | £13,080 | £27,453 | 53.6% |
| Yr 5 | £15,877 | £179,687 | £10,987 | £23,150 | £47,837 | 93.4% |
| Yr 10 | £17,964 | £208,307 | £12,489 | £53,453 | £106,760 | 208.5% |
| Yr 15 | £20,324 | £241,485 | £14,188 | £91,849 | £178,334 | 348.3% |
| Yr 20 | £22,995 | £279,947 | £16,111 | £139,403 | £264,350 | 516.3% |
| Yr 25 | £26,017 | £324,536 | £18,287 | £197,317 | £366,852 | 716.5% |
| Yr 30 | £29,436 | £376,226 | £20,749 | £266,952 | £488,178 | 953.5% |
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 | £1,019 | 7.9% | 4.8% | £-4 | -3.9% |
| Conservative | £1,115 | 8.6% | 5.8% | £211 | 6.0% |
| Base | £1,199 | 9.3% | 6.4% | £342 | 10.2% |
| Optimistic | £1,295 | 10.0% | 7.1% | £485 | 15.2% |
| Bull | £1,415 | 11.0% | 8.0% | £651 | 21.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.28% |
| Net Yield | ●6.4% |
| Net Annual Income | £9,914 |
| Deductions: void 8% (−£1,151) · mgmt 10% (−£1,438) · maint 10% (−£1,438) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £483 |
| Monthly Cashflow (IO) | ●£343 |
| Cash-on-Cash Return | ●8.01% |
| 5-Year IRR | ●10.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,350 |
| SDLT Effective Rate | 5.39% |
| SDLT (Company) | £8,350 |
| Section 24 Extra Tax/yr (higher rate) | £1,162 |
| SPV Annual Saving | £2,417 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £179,687 |
| Less: Purchase Price | −£155,000 |
| Less: Buying Costs (SDLT + legal) | −£10,950 |
| Less: Selling Costs (est. 2.5%) | −£4,492 |
| = CGT Net Gain (5yr) | £9,245 |
| CGT at 24% | £1,499 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 7.9% | 4.8% | £-4 | -3.9% |
| Conservative | £1,115 | 8.6% | 5.8% | £211 | 6.0% |
| Base | £1,199 | 9.3% | 6.4% | £342 | 10.2% |
| Optimistic | £1,295 | 10.0% | 7.1% | £485 | 15.2% |
| Bull | £1,415 | 11.0% | 8.0% | £651 | 21.4% |
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