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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 45% above the area median. Offers anchored to area median of £76,000. 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 | £3,250 |
| Bathroom | £2,400 |
| Living Room | £1,450 |
| Master Bedroom | £1,650 |
| Bedroom 2 | £1,650 |
| Entrance Hall | £300 |
| 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 | 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
- £110,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £8,536 | £113,300 | £5,701 | £1,576 | £4,876 | 13.1% |
| Yr 3 | £8,968 | £120,200 | £6,012 | £5,193 | £15,393 | 41.5% |
| Yr 5 | £9,422 | £127,520 | £6,339 | £9,455 | £26,975 | 72.7% |
| Yr 10 | £10,660 | £147,831 | £7,230 | £23,155 | £60,986 | 164.4% |
| Yr 15 | £12,061 | £171,376 | £8,239 | £41,658 | £103,035 | 277.7% |
| Yr 20 | £13,646 | £198,672 | £9,380 | £65,595 | £154,268 | 415.8% |
| Yr 25 | £15,439 | £230,316 | £10,671 | £95,681 | £215,996 | 582.2% |
| Yr 30 | £17,468 | £266,999 | £12,132 | £132,723 | £289,721 | 780.9% |
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?
📄 Lease Information
Estimated remaining lease: 958 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £604 | 6.6% | 3.9% | £-91 | -8.7% |
| Conservative | £661 | 7.2% | 4.6% | £48 | 1.9% |
| Base | £711 | 7.8% | 5.2% | £131 | 6.3% |
| Optimistic | £768 | 8.4% | 5.8% | £222 | 11.5% |
| Bull | £839 | 9.2% | 6.6% | £326 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.76% |
| Net Yield | ●5.18% |
| Net Annual Income | £5,698 |
| Deductions: void 8% (−£683) · mgmt 10% (−£854) · maint 10% (−£854) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£132 |
| Cash-on-Cash Return | ●4.24% |
| 5-Year IRR | ●6.3% |
● 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 | £1,512 |
| 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 | £604 | 6.6% | 3.9% | £-91 | -8.7% |
| Conservative | £661 | 7.2% | 4.6% | £48 | 1.9% |
| Base | £711 | 7.8% | 5.2% | £131 | 6.3% |
| Optimistic | £768 | 8.4% | 5.8% | £222 | 11.5% |
| Bull | £839 | 9.2% | 6.6% | £326 | 17.9% |
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