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End of Terrace · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 27% 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: 8/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £650 |
| Bathroom | £500 |
| Living Room | £300 |
| Master Bedroom | £350 |
| Bedroom 2 | £350 |
| Entrance Hall | £50 |
| 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
- £145,000
- Property Type
- End of Terrace
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £8,526 | £149,350 | £5,694 | £256 | £4,606 | 9.6% |
| Yr 3 | £8,958 | £158,445 | £6,004 | £1,233 | £14,678 | 30.6% |
| Yr 5 | £9,411 | £168,095 | £6,331 | £2,855 | £25,949 | 54.1% |
| Yr 10 | £10,648 | £194,868 | £7,221 | £9,949 | £59,817 | 124.6% |
| Yr 15 | £12,047 | £225,905 | £8,229 | £21,842 | £102,747 | 214.1% |
| Yr 20 | £13,630 | £261,886 | £9,369 | £39,162 | £156,048 | 325.1% |
| Yr 25 | £15,421 | £303,598 | £10,658 | £62,622 | £221,220 | 460.9% |
| Yr 30 | £17,448 | £351,953 | £12,117 | £93,031 | £299,984 | 625.0% |
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 | £604 | 5.0% | 2.9% | £-233 | -13.0% |
| Conservative | £661 | 5.5% | 3.5% | £-73 | -1.7% |
| Base | £711 | 5.9% | 3.9% | £22 | 3.1% |
| Optimistic | £768 | 6.4% | 4.4% | £123 | 8.5% |
| Bull | £839 | 6.9% | 5.0% | £238 | 15.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.88% |
| Net Yield | ●3.93% |
| Net Annual Income | £5,698 |
| Deductions: void 8% (−£682) · mgmt 10% (−£853) · maint 10% (−£853) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£23 |
| Cash-on-Cash Return | ●0.54% |
| 5-Year IRR | ●3.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £1,578 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £604 | 5.0% | 2.9% | £-233 | -13.0% |
| Conservative | £661 | 5.5% | 3.5% | £-73 | -1.7% |
| Base | £711 | 5.9% | 3.9% | £22 | 3.1% |
| Optimistic | £768 | 6.4% | 4.4% | £123 | 8.5% |
| Bull | £839 | 6.9% | 5.0% | £238 | 15.3% |
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