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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 72% above the area median. Offers anchored to area median of £70,000. 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 | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| 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
- £120,000
- Property Type
- Terraced
- Bedrooms
- 3
- Number of Units
- 2 units
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £123,600 | £6,113 | £1,613 | £5,213 | 13.0% |
| Yr 3 | £9,569 | £131,127 | £6,445 | £5,334 | £16,461 | 41.1% |
| Yr 5 | £10,054 | £139,113 | £6,794 | £9,745 | £28,858 | 72.0% |
| Yr 10 | £11,375 | £161,270 | £7,745 | £24,019 | £65,289 | 162.8% |
| Yr 15 | £12,869 | £186,956 | £8,821 | £43,418 | £110,374 | 275.2% |
| Yr 20 | £14,561 | £216,733 | £10,039 | £68,616 | £165,349 | 412.3% |
| Yr 25 | £16,474 | £251,253 | £11,416 | £100,373 | £231,627 | 577.6% |
| Yr 30 | £18,639 | £291,271 | £12,975 | £139,553 | £310,825 | 775.1% |
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 | £645 | 6.5% | 3.8% | £-105 | -8.9% |
| Conservative | £706 | 7.1% | 4.6% | £45 | 1.8% |
| Base | £759 | 7.6% | 5.1% | £134 | 6.3% |
| Optimistic | £820 | 8.2% | 5.7% | £232 | 11.4% |
| Bull | £896 | 9.0% | 6.4% | £344 | 17.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.59% |
| Net Yield | ●5.09% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£135 |
| Cash-on-Cash Return | ●4.02% |
| 5-Year IRR | ●6.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £1,612 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 6.5% | 3.8% | £-105 | -8.9% |
| Conservative | £706 | 7.1% | 4.6% | £45 | 1.8% |
| Base | £759 | 7.6% | 5.1% | £134 | 6.3% |
| Optimistic | £820 | 8.2% | 5.7% | £232 | 11.4% |
| Bull | £896 | 9.0% | 6.4% | £344 | 17.9% |
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