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Bungalow · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 36% 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 | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| 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
- £180,000
- Property Type
- Bungalow
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 1,000–1,100 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 | £10,458 | £185,400 | £7,085 | £335 | £5,735 | 9.7% |
| Yr 3 | £10,987 | £196,691 | £7,466 | £1,574 | £18,265 | 30.9% |
| Yr 5 | £11,544 | £208,669 | £7,866 | £3,604 | £32,273 | 54.5% |
| Yr 10 | £13,061 | £241,905 | £8,959 | £12,409 | £74,314 | 125.5% |
| Yr 15 | £14,777 | £280,434 | £10,194 | £27,098 | £127,532 | 215.4% |
| Yr 20 | £16,719 | £325,100 | £11,592 | £48,445 | £193,545 | 326.9% |
| Yr 25 | £18,916 | £376,880 | £13,174 | £77,325 | £274,205 | 463.2% |
| Yr 30 | £21,401 | £436,907 | £14,964 | £114,727 | £371,634 | 627.8% |
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 | £741 | 4.9% | 3.0% | £-287 | -12.9% |
| Conservative | £811 | 5.4% | 3.5% | £-88 | -1.6% |
| Base | £872 | 5.8% | 3.9% | £28 | 3.2% |
| Optimistic | £942 | 6.3% | 4.4% | £154 | 8.6% |
| Bull | £1,029 | 6.9% | 5.0% | £295 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.81% |
| Net Yield | ●3.94% |
| Net Annual Income | £7,089 |
| Deductions: void 8% (−£837) · mgmt 10% (−£1,046) · maint 10% (−£1,046) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £561 |
| Monthly Cashflow (IO) | ●£30 |
| Cash-on-Cash Return | ●0.57% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,100 |
| SDLT Effective Rate | 5.61% |
| SDLT (Company) | £10,100 |
| Section 24 Extra Tax/yr (higher rate) | £1,350 |
| SPV Annual Saving | £1,913 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £208,669 |
| Less: Purchase Price | −£180,000 |
| Less: Buying Costs (SDLT + legal) | −£12,700 |
| Less: Selling Costs (est. 2.5%) | −£5,217 |
| = CGT Net Gain (5yr) | £10,752 |
| CGT at 24% | £1,861 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £741 | 4.9% | 3.0% | £-287 | -12.9% |
| Conservative | £811 | 5.4% | 3.5% | £-88 | -1.6% |
| Base | £872 | 5.8% | 3.9% | £28 | 3.2% |
| Optimistic | £942 | 6.3% | 4.4% | £154 | 8.6% |
| Bull | £1,029 | 6.9% | 5.0% | £295 | 15.4% |
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