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Flat · 5 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 140% above the area median. Offers anchored to area median of £61,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 4/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,250 |
| Bathroom | £2,400 |
| Living Room | £1,450 |
| Master Bedroom | £650 |
| Bedroom 2 | £650 |
| Bedroom 3 | £650 |
| Bedroom 4 | £650 |
| Bedroom 5 | £650 |
| 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
- £146,000
- Property Type
- Flat
- Bedrooms
- 5
- Bathrooms
- N/A
- Floor Area
- 1,400–1,500 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 | £14,381 | £150,380 | £9,909 | £4,434 | £8,814 | 18.2% |
| Yr 3 | £15,109 | £159,538 | £10,434 | £14,086 | £27,624 | 57.2% |
| Yr 5 | £15,874 | £169,254 | £10,984 | £24,826 | £48,080 | 99.5% |
| Yr 10 | £17,960 | £196,212 | £12,486 | £56,803 | £107,015 | 221.5% |
| Yr 15 | £20,320 | £227,463 | £14,185 | £96,873 | £178,336 | 369.1% |
| Yr 20 | £22,990 | £263,692 | £16,108 | £146,098 | £263,790 | 545.9% |
| Yr 25 | £26,011 | £305,692 | £18,283 | £205,680 | £365,372 | 756.2% |
| Yr 30 | £29,429 | £354,380 | £20,744 | £276,983 | £485,363 | 1004.5% |
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 | 8.4% | 5.1% | £32 | -2.5% |
| Conservative | £1,115 | 9.2% | 6.1% | £242 | 7.1% |
| Base | £1,199 | 9.9% | 6.8% | £370 | 11.4% |
| Optimistic | £1,295 | 10.6% | 7.6% | £511 | 16.2% |
| Bull | £1,415 | 11.6% | 8.5% | £673 | 22.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.85% |
| Net Yield | ●6.79% |
| Net Annual Income | £9,914 |
| Deductions: void 8% (−£1,150) · mgmt 10% (−£1,438) · maint 10% (−£1,438) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £455 |
| Monthly Cashflow (IO) | ●£371 |
| Cash-on-Cash Return | ●9.19% |
| 5-Year IRR | ●11.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,720 |
| SDLT Effective Rate | 5.29% |
| SDLT (Company) | £7,720 |
| Section 24 Extra Tax/yr (higher rate) | £1,095 |
| SPV Annual Saving | £2,399 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £169,254 |
| Less: Purchase Price | −£146,000 |
| Less: Buying Costs (SDLT + legal) | −£10,320 |
| Less: Selling Costs (est. 2.5%) | −£4,231 |
| = CGT Net Gain (5yr) | £8,703 |
| CGT at 24% | £1,369 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,019 | 8.4% | 5.1% | £32 | -2.5% |
| Conservative | £1,115 | 9.2% | 6.1% | £242 | 7.1% |
| Base | £1,199 | 9.9% | 6.8% | £370 | 11.4% |
| Optimistic | £1,295 | 10.6% | 7.6% | £511 | 16.2% |
| Bull | £1,415 | 11.6% | 8.5% | £673 | 22.3% |
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