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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 21% 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
- £120,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £10,464 | £123,600 | £7,089 | £2,589 | £6,189 | 15.4% |
| Yr 3 | £10,994 | £131,127 | £7,470 | £8,337 | £19,464 | 48.5% |
| Yr 5 | £11,550 | £139,113 | £7,871 | £14,877 | £33,989 | 84.8% |
| Yr 10 | £13,068 | £161,270 | £8,964 | £34,957 | £76,227 | 190.1% |
| Yr 15 | £14,785 | £186,956 | £10,200 | £60,926 | £127,882 | 318.9% |
| Yr 20 | £16,728 | £216,733 | £11,599 | £93,555 | £190,289 | 474.5% |
| Yr 25 | £18,927 | £251,253 | £13,182 | £133,722 | £264,976 | 660.8% |
| Yr 30 | £21,414 | £291,271 | £14,973 | £182,416 | £353,688 | 882.0% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £741 | 7.4% | 4.4% | £-43 | -5.9% |
| Conservative | £811 | 8.1% | 5.3% | £118 | 4.3% |
| Base | £872 | 8.7% | 5.9% | £216 | 8.6% |
| Optimistic | £942 | 9.4% | 6.6% | £322 | 13.6% |
| Bull | £1,029 | 10.3% | 7.4% | £445 | 19.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.72% |
| Net Yield | ●5.91% |
| 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 | £374 |
| Monthly Cashflow (IO) | ●£217 |
| Cash-on-Cash Return | ●6.46% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £1,801 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £741 | 7.4% | 4.4% | £-43 | -5.9% |
| Conservative | £811 | 8.1% | 5.3% | £118 | 4.3% |
| Base | £872 | 8.7% | 5.9% | £216 | 8.6% |
| Optimistic | £942 | 9.4% | 6.6% | £322 | 13.6% |
| Bull | £1,029 | 10.3% | 7.4% | £445 | 19.9% |
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