🔒 Sign in to view the address — Newcastle upon Tyne
Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 28% 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 | £3,250 |
| 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
- £105,000
- Property Type
- Flat
- 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 | £11,907 | £108,150 | £8,128 | £4,191 | £7,341 | 20.6% |
| Yr 3 | £12,510 | £114,736 | £8,562 | £13,220 | £22,956 | 64.5% |
| Yr 5 | £13,143 | £121,724 | £9,018 | £23,150 | £39,874 | 112.0% |
| Yr 10 | £14,870 | £141,111 | £10,262 | £52,222 | £88,333 | 248.1% |
| Yr 15 | £16,824 | £163,587 | £11,668 | £87,994 | £146,580 | 411.7% |
| Yr 20 | £19,035 | £189,642 | £13,260 | £131,345 | £215,987 | 606.7% |
| Yr 25 | £21,536 | £219,847 | £15,061 | £183,273 | £298,120 | 837.4% |
| Yr 30 | £24,367 | £254,863 | £17,099 | £244,905 | £394,767 | 1108.9% |
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: 88 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 9.6% | 5.8% | £84 | 0.4% |
| Conservative | £923 | 10.5% | 7.0% | £248 | 9.5% |
| Base | £992 | 11.3% | 7.7% | £349 | 13.5% |
| Optimistic | £1,071 | 12.2% | 8.6% | £460 | 18.1% |
| Bull | £1,171 | 13.4% | 9.7% | £590 | 24.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.34% |
| Net Yield | ●7.74% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£953) · mgmt 10% (−£1,191) · maint 10% (−£1,191) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£350 |
| Cash-on-Cash Return | ●11.77% |
| 5-Year IRR | ●13.5% |
● 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 | £1,975 |
| 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 | £843 | 9.6% | 5.8% | £84 | 0.4% |
| Conservative | £923 | 10.5% | 7.0% | £248 | 9.5% |
| Base | £992 | 11.3% | 7.7% | £349 | 13.5% |
| Optimistic | £1,071 | 12.2% | 8.6% | £460 | 18.1% |
| Bull | £1,171 | 13.4% | 9.7% | £590 | 24.0% |
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