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House · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 21% above the area median. Offers anchored to area median of £165,000. 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
- £200,000
- Property Type
- House
- 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 | £11,900 | £206,000 | £8,123 | £623 | £6,623 | 10.1% |
| Yr 3 | £12,502 | £218,545 | £8,557 | £2,517 | £21,062 | 32.1% |
| Yr 5 | £13,135 | £231,855 | £9,012 | £5,311 | £37,166 | 56.7% |
| Yr 10 | £14,861 | £268,783 | £10,255 | £16,541 | £85,324 | 130.1% |
| Yr 15 | £16,814 | £311,593 | £11,661 | £34,466 | £146,059 | 222.7% |
| Yr 20 | £19,024 | £361,222 | £13,252 | £59,967 | £221,189 | 337.2% |
| Yr 25 | £21,524 | £418,756 | £15,052 | £94,039 | £312,794 | 476.8% |
| Yr 30 | £24,352 | £485,452 | £17,089 | £137,808 | £423,261 | 645.2% |
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?
📄 Lease Information
Estimated remaining lease: 958 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 5.1% | 3.1% | £-302 | -12.4% |
| Conservative | £923 | 5.5% | 3.7% | £-79 | -1.2% |
| Base | £992 | 6.0% | 4.1% | £52 | 3.6% |
| Optimistic | £1,071 | 6.4% | 4.5% | £193 | 9.0% |
| Bull | £1,171 | 7.0% | 5.1% | £353 | 15.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.95% |
| Net Yield | ●4.06% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£952) · mgmt 10% (−£1,190) · maint 10% (−£1,190) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£53 |
| Cash-on-Cash Return | ●0.95% |
| 5-Year IRR | ●3.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £11,500 |
| SDLT Effective Rate | 5.75% |
| SDLT (Company) | £11,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,500 |
| SPV Annual Saving | £2,153 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £231,855 |
| Less: Purchase Price | −£200,000 |
| Less: Buying Costs (SDLT + legal) | −£14,100 |
| Less: Selling Costs (est. 2.5%) | −£5,796 |
| = CGT Net Gain (5yr) | £11,959 |
| CGT at 24% | £2,150 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 5.1% | 3.1% | £-302 | -12.4% |
| Conservative | £923 | 5.5% | 3.7% | £-79 | -1.2% |
| Base | £992 | 6.0% | 4.1% | £52 | 3.6% |
| Optimistic | £1,071 | 6.4% | 4.5% | £193 | 9.0% |
| Bull | £1,171 | 7.0% | 5.1% | £353 | 15.8% |
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