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End of Terrace · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 5% above the area median. Offers anchored to area median of £275,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,250 |
| Bathroom | £2,400 |
| Living Room | £1,450 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Bedroom 3 | £800 |
| Bedroom 4 | £800 |
| 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
- £290,000
- Property Type
- End of Terrace
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 1,400–1,500 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 | £21,924 | £298,700 | £15,340 | £4,465 | £13,165 | 13.8% |
| Yr 3 | £23,034 | £316,891 | £16,139 | £14,590 | £41,480 | 43.4% |
| Yr 5 | £24,200 | £336,189 | £16,979 | £26,373 | £72,562 | 75.9% |
| Yr 10 | £27,380 | £389,736 | £19,269 | £63,649 | £163,384 | 170.9% |
| Yr 15 | £30,978 | £451,811 | £21,859 | £113,260 | £275,071 | 287.7% |
| Yr 20 | £35,049 | £523,772 | £24,790 | £176,830 | £410,602 | 429.5% |
| Yr 25 | £39,655 | £607,196 | £28,106 | £256,190 | £573,385 | 599.8% |
| Yr 30 | £44,865 | £703,906 | £31,858 | £353,416 | £767,323 | 802.6% |
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: 89 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 6.4% | 4.0% | £-206 | -7.9% |
| Conservative | £1,699 | 7.0% | 4.8% | £155 | 2.5% |
| Base | £1,827 | 7.6% | 5.3% | £372 | 7.0% |
| Optimistic | £1,973 | 8.2% | 5.9% | £607 | 12.1% |
| Bull | £2,156 | 8.9% | 6.6% | £876 | 18.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.56% |
| Net Yield | ●5.29% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,754) · mgmt 10% (−£2,192) · maint 10% (−£2,192) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £904 |
| Monthly Cashflow (IO) | ●£374 |
| Cash-on-Cash Return | ●4.67% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £19,000 |
| SDLT Effective Rate | 6.55% |
| SDLT (Company) | £19,000 |
| Section 24 Extra Tax/yr (higher rate) | £2,175 |
| SPV Annual Saving | £3,725 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £336,189 |
| Less: Purchase Price | −£290,000 |
| Less: Buying Costs (SDLT + legal) | −£21,600 |
| Less: Selling Costs (est. 2.5%) | −£8,405 |
| = CGT Net Gain (5yr) | £16,184 |
| CGT at 24% | £3,164 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 6.4% | 4.0% | £-206 | -7.9% |
| Conservative | £1,699 | 7.0% | 4.8% | £155 | 2.5% |
| Base | £1,827 | 7.6% | 5.3% | £372 | 7.0% |
| Optimistic | £1,973 | 8.2% | 5.9% | £607 | 12.1% |
| Bull | £2,156 | 8.9% | 6.6% | £876 | 18.6% |
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