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Flat · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 13% below the area median — some negotiation possible but limited margin. 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 | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| 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
- £150,000
- Property Type
- Flat
- Bedrooms
- 3
- 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 | £14,115 | £154,500 | £9,718 | £4,093 | £8,593 | 17.3% |
| Yr 3 | £14,830 | £163,909 | £10,232 | £13,047 | £26,956 | 54.3% |
| Yr 5 | £15,580 | £173,891 | £10,773 | £23,069 | £46,960 | 94.7% |
| Yr 10 | £17,628 | £201,587 | £12,247 | £53,158 | £104,745 | 211.2% |
| Yr 15 | £19,944 | £233,695 | £13,915 | £91,189 | £174,884 | 352.6% |
| Yr 20 | £22,565 | £270,917 | £15,802 | £138,205 | £259,122 | 522.4% |
| Yr 25 | £25,530 | £314,067 | £17,937 | £195,389 | £359,455 | 724.7% |
| Yr 30 | £28,885 | £364,089 | £20,352 | £264,074 | £478,164 | 964.0% |
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
View all planning applications on your dashboard →
● Approved ● Pending ● Refused
🌎 Area Profile — North East England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 864 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 8.0% | 4.9% | £3 | -3.6% |
| Conservative | £1,094 | 8.7% | 5.8% | £213 | 6.2% |
| Base | £1,176 | 9.4% | 6.5% | £341 | 10.5% |
| Optimistic | £1,270 | 10.2% | 7.2% | £481 | 15.4% |
| Bull | £1,388 | 11.1% | 8.1% | £643 | 21.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.41% |
| Net Yield | ●6.48% |
| Net Annual Income | £9,716 |
| Deductions: void 8% (−£1,129) · mgmt 10% (−£1,412) · maint 10% (−£1,412) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £468 |
| Monthly Cashflow (IO) | ●£342 |
| Cash-on-Cash Return | ●8.25% |
| 5-Year IRR | ●10.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,000 |
| SDLT Effective Rate | 5.33% |
| SDLT (Company) | £8,000 |
| Section 24 Extra Tax/yr (higher rate) | £1,125 |
| SPV Annual Saving | £2,368 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £173,891 |
| Less: Purchase Price | −£150,000 |
| Less: Buying Costs (SDLT + legal) | −£10,600 |
| Less: Selling Costs (est. 2.5%) | −£4,347 |
| = CGT Net Gain (5yr) | £8,944 |
| CGT at 24% | £1,427 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 8.0% | 4.9% | £3 | -3.6% |
| Conservative | £1,094 | 8.7% | 5.8% | £213 | 6.2% |
| Base | £1,176 | 9.4% | 6.5% | £341 | 10.5% |
| Optimistic | £1,270 | 10.2% | 7.2% | £481 | 15.4% |
| Bull | £1,388 | 11.1% | 8.1% | £643 | 21.6% |
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