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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 13% 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
- £145,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £149,350 | £9,713 | £4,276 | £8,626 | 18.0% |
| Yr 3 | £14,823 | £158,445 | £10,227 | £13,595 | £27,040 | 56.3% |
| Yr 5 | £15,573 | £168,095 | £10,768 | £23,982 | £47,077 | 98.1% |
| Yr 10 | £17,620 | £194,868 | £12,241 | £54,980 | £104,848 | 218.4% |
| Yr 15 | £19,935 | £225,905 | £13,908 | £93,917 | £174,822 | 364.2% |
| Yr 20 | £22,555 | £261,886 | £15,794 | £141,836 | £258,722 | 539.0% |
| Yr 25 | £25,518 | £303,598 | £17,928 | £199,916 | £358,514 | 746.9% |
| Yr 30 | £28,872 | £351,953 | £20,343 | £269,494 | £476,447 | 992.6% |
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 | £1,000 | 8.3% | 5.1% | £24 | -2.8% |
| Conservative | £1,094 | 9.1% | 6.0% | £230 | 6.9% |
| Base | £1,176 | 9.7% | 6.7% | £357 | 11.1% |
| Optimistic | £1,270 | 10.5% | 7.5% | £495 | 15.9% |
| Bull | £1,388 | 11.5% | 8.4% | £655 | 22.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.73% |
| Net Yield | ●6.7% |
| 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 | £452 |
| Monthly Cashflow (IO) | ●£358 |
| Cash-on-Cash Return | ●8.91% |
| 5-Year IRR | ●11.1% |
● 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 | £2,358 |
| 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 | £1,000 | 8.3% | 5.1% | £24 | -2.8% |
| Conservative | £1,094 | 9.1% | 6.0% | £230 | 6.9% |
| Base | £1,176 | 9.7% | 6.7% | £357 | 11.1% |
| Optimistic | £1,270 | 10.5% | 7.5% | £495 | 15.9% |
| Bull | £1,388 | 11.5% | 8.4% | £655 | 22.1% |
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