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End of Terrace · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 11% above the area median. Offers anchored to area median of £112,000. 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 |
| Master Bedroom | £550 |
| Bedroom 2 | £550 |
| Bedroom 3 | £550 |
| Entrance Hall | £200 |
| 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
- £125,000
- Property Type
- End of Terrace
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £14,112 | £128,750 | £9,716 | £5,028 | £8,778 | 21.1% |
| Yr 3 | £14,827 | £136,591 | £10,230 | £15,854 | £27,445 | 66.0% |
| Yr 5 | £15,578 | £144,909 | £10,771 | £27,747 | £47,656 | 114.6% |
| Yr 10 | £17,625 | £167,990 | £12,245 | £62,513 | £105,502 | 253.6% |
| Yr 15 | £19,941 | £194,746 | £13,912 | £105,219 | £174,965 | 420.6% |
| Yr 20 | £22,561 | £225,764 | £15,799 | £156,909 | £257,673 | 619.4% |
| Yr 25 | £25,526 | £261,722 | £17,933 | £218,765 | £355,487 | 854.5% |
| Yr 30 | £28,880 | £303,408 | £20,349 | £292,120 | £470,528 | 1131.1% |
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 | £1,000 | 9.6% | 5.9% | £105 | 0.9% |
| Conservative | £1,094 | 10.5% | 7.0% | £299 | 10.1% |
| Base | £1,176 | 11.3% | 7.8% | £419 | 14.1% |
| Optimistic | £1,270 | 12.2% | 8.7% | £551 | 18.7% |
| Bull | £1,388 | 13.3% | 9.8% | £705 | 24.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.29% |
| Net Yield | ●7.77% |
| 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 | £390 |
| Monthly Cashflow (IO) | ●£420 |
| Cash-on-Cash Return | ●12.09% |
| 5-Year IRR | ●14.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,250 |
| Section 24 Extra Tax/yr (higher rate) | £938 |
| SPV Annual Saving | £2,321 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,909 |
| Less: Purchase Price | −£125,000 |
| Less: Buying Costs (SDLT + legal) | −£8,850 |
| Less: Selling Costs (est. 2.5%) | −£3,623 |
| = CGT Net Gain (5yr) | £7,436 |
| CGT at 24% | £1,065 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 9.6% | 5.9% | £105 | 0.9% |
| Conservative | £1,094 | 10.5% | 7.0% | £299 | 10.1% |
| Base | £1,176 | 11.3% | 7.8% | £419 | 14.1% |
| Optimistic | £1,270 | 12.2% | 8.7% | £551 | 18.7% |
| Bull | £1,388 | 13.3% | 9.8% | £705 | 24.7% |
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