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Town House · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 16% above the area median. Offers anchored to area median of £159,000. 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 | £200 |
| Bedroom 2 | £200 |
| Bedroom 3 | £200 |
| 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
- £185,000
- Property Type
- Town House
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £10,471 | £190,550 | £7,094 | £157 | £5,707 | 9.4% |
| Yr 3 | £11,001 | £202,154 | £7,476 | £1,040 | £18,195 | 29.9% |
| Yr 5 | £11,558 | £214,466 | £7,877 | £2,716 | £32,181 | 52.9% |
| Yr 10 | £13,077 | £248,625 | £8,970 | £10,639 | £74,263 | 122.1% |
| Yr 15 | £14,795 | £288,224 | £10,208 | £24,453 | £127,677 | 210.0% |
| Yr 20 | £16,739 | £334,131 | £11,607 | £44,934 | £194,065 | 319.2% |
| Yr 25 | £18,939 | £387,349 | £13,191 | £72,957 | £275,306 | 452.8% |
| Yr 30 | £21,428 | £449,044 | £14,983 | £109,513 | £373,556 | 614.4% |
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 | £741 | 4.8% | 2.9% | £-307 | -13.3% |
| Conservative | £811 | 5.3% | 3.4% | £-105 | -1.9% |
| Base | £872 | 5.7% | 3.8% | £13 | 2.9% |
| Optimistic | £942 | 6.1% | 4.3% | £140 | 8.4% |
| Bull | £1,029 | 6.7% | 4.8% | £282 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.66% |
| Net Yield | ●3.83% |
| Net Annual Income | £7,089 |
| Deductions: void 8% (−£838) · mgmt 10% (−£1,047) · maint 10% (−£1,047) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £577 |
| Monthly Cashflow (IO) | ●£14 |
| Cash-on-Cash Return | ●0.25% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £1,923 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £741 | 4.8% | 2.9% | £-307 | -13.3% |
| Conservative | £811 | 5.3% | 3.4% | £-105 | -1.9% |
| Base | £872 | 5.7% | 3.8% | £13 | 2.9% |
| Optimistic | £942 | 6.1% | 4.3% | £140 | 8.4% |
| Bull | £1,029 | 6.7% | 4.8% | £282 | 15.2% |
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