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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 23% above the area median. Offers anchored to area median of £89,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £500 |
| Bedroom 2 | £500 |
| Bedroom 3 | £500 |
| Total Estimated Refurb | £4,250 |
⚠ 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
- £110,000
- Property Type
- Terraced
- Bedrooms
- 3
- 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 | £9,108 | £113,300 | £6,113 | £1,988 | £5,288 | 14.3% |
| Yr 3 | £9,569 | £120,200 | £6,445 | £6,459 | £16,659 | 44.9% |
| Yr 5 | £10,054 | £127,520 | £6,794 | £11,620 | £29,140 | 78.5% |
| Yr 10 | £11,375 | £147,831 | £7,745 | £27,769 | £65,600 | 176.8% |
| Yr 15 | £12,869 | £171,376 | £8,821 | £49,043 | £110,420 | 297.6% |
| Yr 20 | £14,561 | £198,672 | £10,039 | £76,116 | £164,788 | 444.2% |
| Yr 25 | £16,474 | £230,316 | £11,416 | £109,748 | £230,064 | 620.1% |
| Yr 30 | £18,639 | £266,999 | £12,975 | £150,803 | £307,802 | 829.7% |
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 | £645 | 7.0% | 4.2% | £-65 | -7.3% |
| Conservative | £706 | 7.7% | 5.0% | £79 | 3.0% |
| Base | £759 | 8.3% | 5.6% | £166 | 7.4% |
| Optimistic | £820 | 8.9% | 6.2% | £260 | 12.4% |
| Bull | £896 | 9.8% | 7.0% | £369 | 18.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.28% |
| Net Yield | ●5.56% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£166 |
| Cash-on-Cash Return | ●5.36% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,593 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 7.0% | 4.2% | £-65 | -7.3% |
| Conservative | £706 | 7.7% | 5.0% | £79 | 3.0% |
| Base | £759 | 8.3% | 5.6% | £166 | 7.4% |
| Optimistic | £820 | 8.9% | 6.2% | £260 | 12.4% |
| Bull | £896 | 9.8% | 7.0% | £369 | 18.8% |
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