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Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 32% 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 | 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
- £105,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £8,474 | £108,150 | £5,656 | £1,718 | £4,868 | 13.7% |
| Yr 3 | £8,902 | £114,736 | £5,965 | £5,617 | £15,353 | 43.1% |
| Yr 5 | £9,353 | £121,724 | £6,289 | £10,156 | £26,880 | 75.5% |
| Yr 10 | £10,582 | £141,111 | £7,174 | £24,526 | £60,637 | 170.3% |
| Yr 15 | £11,973 | £163,587 | £8,175 | £43,664 | £102,250 | 287.2% |
| Yr 20 | £13,546 | £189,642 | £9,308 | £68,196 | £152,838 | 429.3% |
| Yr 25 | £15,326 | £219,847 | £10,590 | £98,831 | £213,678 | 600.2% |
| Yr 30 | £17,340 | £254,863 | £12,040 | £136,372 | £286,234 | 804.0% |
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
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 | £600 | 6.9% | 4.0% | £-74 | -8.1% |
| Conservative | £657 | 7.5% | 4.8% | £62 | 2.4% |
| Base | £706 | 8.1% | 5.4% | £143 | 6.8% |
| Optimistic | £762 | 8.7% | 6.0% | £232 | 11.9% |
| Bull | £833 | 9.5% | 6.8% | £334 | 18.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.07% |
| Net Yield | ●5.39% |
| Net Annual Income | £5,655 |
| Deductions: void 8% (−£678) · mgmt 10% (−£847) · maint 10% (−£847) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£144 |
| Cash-on-Cash Return | ●4.82% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,250 |
| Section 24 Extra Tax/yr (higher rate) | £788 |
| SPV Annual Saving | £1,495 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £121,724 |
| Less: Purchase Price | −£105,000 |
| Less: Buying Costs (SDLT + legal) | −£7,850 |
| Less: Selling Costs (est. 2.5%) | −£3,043 |
| = CGT Net Gain (5yr) | £5,831 |
| CGT at 24% | £679 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £600 | 6.9% | 4.0% | £-74 | -8.1% |
| Conservative | £657 | 7.5% | 4.8% | £62 | 2.4% |
| Base | £706 | 8.1% | 5.4% | £143 | 6.8% |
| Optimistic | £762 | 8.7% | 6.0% | £232 | 11.9% |
| Bull | £833 | 9.5% | 6.8% | £334 | 18.3% |
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