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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 41% above the area median. Offers anchored to area median of £103,000. 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 | £1,600 |
| 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
- £145,000
- Property Type
- Terraced
- Bedrooms
- 2
- 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 | £8,468 | £149,350 | £5,652 | £214 | £4,564 | 9.5% |
| Yr 3 | £8,897 | £158,445 | £5,961 | £1,104 | £14,550 | 30.3% |
| Yr 5 | £9,347 | £168,095 | £6,285 | £2,635 | £25,730 | 53.6% |
| Yr 10 | £10,575 | £194,868 | £7,169 | £9,482 | £59,349 | 123.6% |
| Yr 15 | £11,965 | £225,905 | £8,170 | £21,093 | £101,998 | 212.5% |
| Yr 20 | £13,537 | £261,886 | £9,302 | £38,095 | £154,981 | 322.9% |
| Yr 25 | £15,316 | £303,598 | £10,583 | £61,196 | £219,794 | 457.9% |
| Yr 30 | £17,329 | £351,953 | £12,032 | £91,198 | £298,151 | 621.1% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | 5.0% | 2.9% | £-236 | -13.2% |
| Conservative | £657 | 5.4% | 3.5% | £-76 | -1.8% |
| Base | £706 | 5.8% | 3.9% | £18 | 3.0% |
| Optimistic | £762 | 6.3% | 4.4% | £119 | 8.4% |
| Bull | £833 | 6.9% | 4.9% | £234 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.84% |
| Net Yield | ●3.9% |
| Net Annual Income | £5,655 |
| Deductions: void 8% (−£677) · mgmt 10% (−£847) · maint 10% (−£847) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £452 |
| Monthly Cashflow (IO) | ●£19 |
| Cash-on-Cash Return | ●0.45% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £7,650 |
| SDLT Effective Rate | 5.28% |
| SDLT (Company) | £7,650 |
| Section 24 Extra Tax/yr (higher rate) | £1,088 |
| SPV Annual Saving | £1,570 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £168,095 |
| Less: Purchase Price | −£145,000 |
| Less: Buying Costs (SDLT + legal) | −£10,250 |
| Less: Selling Costs (est. 2.5%) | −£4,202 |
| = CGT Net Gain (5yr) | £8,643 |
| CGT at 24% | £1,354 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £600 | 5.0% | 2.9% | £-236 | -13.2% |
| Conservative | £657 | 5.4% | 3.5% | £-76 | -1.8% |
| Base | £706 | 5.8% | 3.9% | £18 | 3.0% |
| Optimistic | £762 | 6.3% | 4.4% | £119 | 8.4% |
| Bull | £833 | 6.9% | 4.9% | £234 | 15.2% |
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