🔒 Sign in to view the address — Gateshead
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 12% below the area median — some negotiation possible but limited margin. 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 | £450 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £300 |
| Bedroom 2 | £300 |
| 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
- £107,500
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £8,998 | £110,725 | £6,033 | £2,002 | £5,227 | 14.4% |
| Yr 3 | £9,453 | £117,468 | £6,361 | £6,496 | £16,464 | 45.3% |
| Yr 5 | £9,932 | £124,622 | £6,706 | £11,671 | £28,793 | 79.2% |
| Yr 10 | £11,237 | £144,471 | £7,646 | £27,817 | £64,788 | 178.2% |
| Yr 15 | £12,714 | £167,481 | £8,709 | £49,026 | £109,008 | 299.9% |
| Yr 20 | £14,384 | £194,157 | £9,912 | £75,963 | £162,620 | 447.4% |
| Yr 25 | £16,274 | £225,081 | £11,273 | £109,381 | £226,962 | 624.4% |
| Yr 30 | £18,413 | £260,931 | £12,812 | £150,131 | £303,562 | 835.1% |
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
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 | £638 | 7.1% | 4.2% | £-59 | -7.2% |
| Conservative | £698 | 7.8% | 5.0% | £82 | 3.1% |
| Base | £750 | 8.4% | 5.6% | £167 | 7.5% |
| Optimistic | £810 | 9.0% | 6.3% | £260 | 12.5% |
| Bull | £885 | 9.9% | 7.1% | £367 | 18.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.37% |
| Net Yield | ●5.61% |
| Net Annual Income | £6,035 |
| Deductions: void 8% (−£720) · mgmt 10% (−£900) · maint 10% (−£900) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £335 |
| Monthly Cashflow (IO) | ●£168 |
| Cash-on-Cash Return | ●5.51% |
| 5-Year IRR | ●7.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,375 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,375 |
| Section 24 Extra Tax/yr (higher rate) | £806 |
| SPV Annual Saving | £1,573 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £124,622 |
| Less: Purchase Price | −£107,500 |
| Less: Buying Costs (SDLT + legal) | −£7,975 |
| Less: Selling Costs (est. 2.5%) | −£3,116 |
| = CGT Net Gain (5yr) | £6,031 |
| CGT at 24% | £727 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £638 | 7.1% | 4.2% | £-59 | -7.2% |
| Conservative | £698 | 7.8% | 5.0% | £82 | 3.1% |
| Base | £750 | 8.4% | 5.6% | £167 | 7.5% |
| Optimistic | £810 | 9.0% | 6.3% | £260 | 12.5% |
| Bull | £885 | 9.9% | 7.1% | £367 | 18.9% |
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