🔒 Sign in to view the address — Middlesbrough
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 29% 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
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 | £1,600 |
| Bedroom 2 | £1,600 |
| 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
- £75,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 900–1,000 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 | £7,680 | £77,250 | £5,085 | £2,272 | £4,522 | 17.0% |
| Yr 3 | £8,069 | £81,955 | £5,365 | £7,234 | £14,189 | 53.3% |
| Yr 5 | £8,477 | £86,946 | £5,659 | £12,778 | £24,723 | 92.9% |
| Yr 10 | £9,591 | £100,794 | £6,461 | £29,375 | £55,169 | 207.4% |
| Yr 15 | £10,852 | £116,848 | £7,368 | £50,294 | £92,141 | 346.4% |
| Yr 20 | £12,278 | £135,458 | £8,395 | £76,102 | £136,560 | 513.4% |
| Yr 25 | £13,891 | £157,033 | £9,557 | £107,441 | £189,475 | 712.3% |
| Yr 30 | £15,716 | £182,045 | £10,871 | £145,039 | £252,084 | 947.7% |
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 | £544 | 8.7% | 5.1% | £12 | -4.0% |
| Conservative | £595 | 9.5% | 6.1% | £122 | 5.7% |
| Base | £640 | 10.2% | 6.8% | £189 | 9.7% |
| Optimistic | £691 | 11.1% | 7.6% | £263 | 14.5% |
| Bull | £755 | 12.1% | 8.6% | £349 | 20.5% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.24% |
| Net Yield | ●6.78% |
| Net Annual Income | £5,085 |
| Deductions: void 8% (−£614) · mgmt 10% (−£768) · maint 10% (−£768) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £234 |
| Monthly Cashflow (IO) | ●£190 |
| Cash-on-Cash Return | ●8.54% |
| 5-Year IRR | ●9.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,750 |
| Section 24 Extra Tax/yr (higher rate) | £563 |
| SPV Annual Saving | £1,327 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £86,946 |
| Less: Purchase Price | −£75,000 |
| Less: Buying Costs (SDLT + legal) | −£6,350 |
| Less: Selling Costs (est. 2.5%) | −£2,174 |
| = CGT Net Gain (5yr) | £3,422 |
| CGT at 24% | £101 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £544 | 8.7% | 5.1% | £12 | -4.0% |
| Conservative | £595 | 9.5% | 6.1% | £122 | 5.7% |
| Base | £640 | 10.2% | 6.8% | £189 | 9.7% |
| Optimistic | £691 | 11.1% | 7.6% | £263 | 14.5% |
| Bull | £755 | 12.1% | 8.6% | £349 | 20.5% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →