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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 31% above the area median. Offers anchored to area median of £76,000. 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 | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Bedroom 3 | £800 |
| Bedroom 4 | £800 |
| 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 | Builders Middlesbrough | Project Management | Quality ... | 07960 485 880 | — |
| decorator | Decorator Teesside | Painters | Decorating Services | 07376 496299 | — |
| photographer | The Studio North East | 01642 205465 | — |
Property Details
- Asking Price
- £100,000
- Property Type
- Terraced
- Bedrooms
- 4
- 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 | £12,050 | £103,000 | £8,231 | £4,481 | £7,481 | 21.9% |
| Yr 3 | £12,660 | £109,273 | £8,670 | £14,099 | £23,372 | 68.5% |
| Yr 5 | £13,301 | £115,927 | £9,132 | £24,629 | £40,556 | 118.9% |
| Yr 10 | £15,049 | £134,392 | £10,390 | £55,251 | £89,642 | 262.9% |
| Yr 15 | £17,026 | £155,797 | £11,814 | £92,652 | £148,449 | 435.3% |
| Yr 20 | £19,264 | £180,611 | £13,425 | £137,725 | £218,337 | 640.3% |
| Yr 25 | £21,795 | £209,378 | £15,248 | £191,478 | £300,856 | 882.3% |
| Yr 30 | £24,659 | £242,726 | £17,310 | £255,050 | £397,776 | 1166.5% |
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 | £853 | 10.2% | 6.2% | £111 | 1.9% |
| Conservative | £934 | 11.2% | 7.4% | £273 | 10.9% |
| Base | £1,004 | 12.0% | 8.2% | £373 | 14.8% |
| Optimistic | £1,084 | 13.0% | 9.2% | £484 | 19.3% |
| Bull | £1,185 | 14.2% | 10.4% | £613 | 25.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.05% |
| Net Yield | ●8.23% |
| Net Annual Income | £8,230 |
| Deductions: void 8% (−£964) · mgmt 10% (−£1,205) · maint 10% (−£1,205) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£374 |
| Cash-on-Cash Return | ●13.14% |
| 5-Year IRR | ●14.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,000 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,985 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,927 |
| Less: Purchase Price | −£100,000 |
| Less: Buying Costs (SDLT + legal) | −£7,600 |
| Less: Selling Costs (est. 2.5%) | −£2,898 |
| = CGT Net Gain (5yr) | £5,429 |
| CGT at 24% | £583 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £853 | 10.2% | 6.2% | £111 | 1.9% |
| Conservative | £934 | 11.2% | 7.4% | £273 | 10.9% |
| Base | £1,004 | 12.0% | 8.2% | £373 | 14.8% |
| Optimistic | £1,084 | 13.0% | 9.2% | £484 | 19.3% |
| Bull | £1,185 | 14.2% | 10.4% | £613 | 25.1% |
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