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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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 | £800 |
| Bedroom 2 | £800 |
| Bedroom 3 | £800 |
| Bedroom 4 | £800 |
| 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
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £21,920 | £206,000 | £15,337 | £7,837 | £13,837 | 21.1% |
| Yr 3 | £23,030 | £218,545 | £16,136 | £24,706 | £43,251 | 65.9% |
| Yr 5 | £24,196 | £231,855 | £16,976 | £43,232 | £75,087 | 114.5% |
| Yr 10 | £27,375 | £268,783 | £19,265 | £97,366 | £166,150 | 253.3% |
| Yr 15 | £30,972 | £311,593 | £21,855 | £163,834 | £275,427 | 419.9% |
| Yr 20 | £35,042 | £361,222 | £24,786 | £244,256 | £405,478 | 618.1% |
| Yr 25 | £39,647 | £418,756 | £28,101 | £340,466 | £559,222 | 852.5% |
| Yr 30 | £44,857 | £485,452 | £31,852 | £454,540 | £739,993 | 1128.0% |
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
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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 | £1,553 | 9.3% | 5.8% | £160 | 0.9% |
| Conservative | £1,699 | 10.2% | 6.9% | £465 | 10.0% |
| Base | £1,827 | 11.0% | 7.7% | £653 | 14.1% |
| Optimistic | £1,973 | 11.8% | 8.5% | £861 | 18.8% |
| Bull | £2,156 | 12.9% | 9.6% | £1,101 | 24.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.96% |
| Net Yield | ●7.67% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,754) · mgmt 10% (−£2,192) · maint 10% (−£2,192) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £624 |
| Monthly Cashflow (IO) | ●£654 |
| Cash-on-Cash Return | ●11.95% |
| 5-Year IRR | ●14.1% |
● 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 | £3,556 |
| 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 | £1,553 | 9.3% | 5.8% | £160 | 0.9% |
| Conservative | £1,699 | 10.2% | 6.9% | £465 | 10.0% |
| Base | £1,827 | 11.0% | 7.7% | £653 | 14.1% |
| Optimistic | £1,973 | 11.8% | 8.5% | £861 | 18.8% |
| Bull | £2,156 | 12.9% | 9.6% | £1,101 | 24.8% |
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