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Flat · 1 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 23% above the area median. Offers anchored to area median of £89,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £650 |
| Bathroom | £500 |
| Living Room | £300 |
| Master Bedroom | £650 |
| Entrance Hall | £50 |
| Total Estimated Refurb | £1,700 |
⚠ 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
- £110,000
- Property Type
- Flat
- Bedrooms
- 1
- Bathrooms
- N/A
- Floor Area
- 500–600 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 | £9,636 | £113,300 | £6,493 | £2,368 | £5,668 | 15.3% |
| Yr 3 | £10,124 | £120,200 | £6,844 | £7,628 | £17,828 | 48.1% |
| Yr 5 | £10,636 | £127,520 | £7,213 | £13,618 | £31,138 | 83.9% |
| Yr 10 | £12,034 | £147,831 | £8,220 | £32,028 | £69,859 | 188.3% |
| Yr 15 | £13,615 | £171,376 | £9,358 | £55,860 | £117,237 | 316.0% |
| Yr 20 | £15,405 | £198,672 | £10,646 | £85,827 | £174,499 | 470.3% |
| Yr 25 | £17,429 | £230,316 | £12,104 | £122,734 | £243,049 | 655.1% |
| Yr 30 | £19,719 | £266,999 | £13,753 | £167,493 | £324,492 | 874.6% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — North East England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 964 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £683 | 7.4% | 4.4% | £-40 | -6.1% |
| Conservative | £747 | 8.1% | 5.3% | £108 | 4.1% |
| Base | £803 | 8.8% | 5.9% | £197 | 8.4% |
| Optimistic | £867 | 9.5% | 6.6% | £295 | 13.4% |
| Bull | £948 | 10.3% | 7.5% | £408 | 19.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.76% |
| Net Yield | ●5.9% |
| Net Annual Income | £6,493 |
| Deductions: void 8% (−£771) · mgmt 10% (−£964) · maint 10% (−£964) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£198 |
| Cash-on-Cash Return | ●6.38% |
| 5-Year IRR | ●8.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,667 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £683 | 7.4% | 4.4% | £-40 | -6.1% |
| Conservative | £747 | 8.1% | 5.3% | £108 | 4.1% |
| Base | £803 | 8.8% | 5.9% | £197 | 8.4% |
| Optimistic | £867 | 9.5% | 6.6% | £295 | 13.4% |
| Bull | £948 | 10.3% | 7.5% | £408 | 19.7% |
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