🔒 Sign in to view the address — Newcastle Upon Tyne
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 29% below the area median — limited negotiation margin. Strong value at current asking price. 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
- £90,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 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 | £14,112 | £92,700 | £9,716 | £6,341 | £9,041 | 29.1% |
| Yr 3 | £14,826 | £98,345 | £10,230 | £19,790 | £28,136 | 90.5% |
| Yr 5 | £15,577 | £104,335 | £10,770 | £34,308 | £48,642 | 156.4% |
| Yr 10 | £17,624 | £120,952 | £12,244 | £75,634 | £106,586 | 342.7% |
| Yr 15 | £19,940 | £140,217 | £13,912 | £124,900 | £175,117 | 563.1% |
| Yr 20 | £22,560 | £162,550 | £15,798 | £183,150 | £255,700 | 822.2% |
| Yr 25 | £25,525 | £188,440 | £17,933 | £251,565 | £350,005 | 1125.4% |
| Yr 30 | £28,879 | £218,454 | £20,348 | £331,480 | £459,933 | 1478.9% |
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 | 13.3% | 8.2% | £247 | 10.3% |
| Conservative | £1,094 | 14.6% | 9.7% | £419 | 18.1% |
| Base | £1,176 | 15.7% | 10.8% | £528 | 21.7% |
| Optimistic | £1,270 | 16.9% | 12.0% | £650 | 25.7% |
| Bull | £1,388 | 18.5% | 13.6% | £793 | 31.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.68% |
| Net Yield | ●10.8% |
| 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 | £281 |
| Monthly Cashflow (IO) | ●£529 |
| Cash-on-Cash Return | ●20.39% |
| 5-Year IRR | ●21.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,500 |
| Section 24 Extra Tax/yr (higher rate) | £675 |
| SPV Annual Saving | £2,256 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £104,335 |
| Less: Purchase Price | −£90,000 |
| Less: Buying Costs (SDLT + legal) | −£7,100 |
| Less: Selling Costs (est. 2.5%) | −£2,608 |
| = CGT Net Gain (5yr) | £4,627 |
| CGT at 24% | £390 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 13.3% | 8.2% | £247 | 10.3% |
| Conservative | £1,094 | 14.6% | 9.7% | £419 | 18.1% |
| Base | £1,176 | 15.7% | 10.8% | £528 | 21.7% |
| Optimistic | £1,270 | 16.9% | 12.0% | £650 | 25.7% |
| Bull | £1,388 | 18.5% | 13.6% | £793 | 31.0% |
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