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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 18% above the area median. Offers anchored to area median of £80,000. 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
- £95,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 600–700 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 | £11,904 | £97,850 | £8,126 | £4,563 | £7,413 | 22.7% |
| Yr 3 | £12,506 | £103,809 | £8,559 | £14,337 | £23,146 | 71.0% |
| Yr 5 | £13,139 | £110,131 | £9,015 | £25,012 | £40,143 | 123.1% |
| Yr 10 | £14,866 | £127,672 | £10,258 | £55,944 | £88,616 | 271.8% |
| Yr 15 | £16,819 | £148,007 | £11,665 | £93,573 | £146,580 | 449.6% |
| Yr 20 | £19,030 | £171,581 | £13,256 | £138,781 | £215,362 | 660.6% |
| Yr 25 | £21,530 | £198,909 | £15,057 | £192,562 | £296,471 | 909.4% |
| Yr 30 | £24,359 | £230,590 | £17,094 | £256,044 | £391,634 | 1201.3% |
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: 102 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 10.7% | 6.5% | £125 | 2.9% |
| Conservative | £923 | 11.7% | 7.7% | £282 | 11.7% |
| Base | £992 | 12.5% | 8.6% | £380 | 15.5% |
| Optimistic | £1,071 | 13.5% | 9.5% | £489 | 20.0% |
| Bull | £1,171 | 14.8% | 10.8% | £615 | 25.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.53% |
| Net Yield | ●8.55% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£952) · mgmt 10% (−£1,190) · maint 10% (−£1,190) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£381 |
| Cash-on-Cash Return | ●14.0% |
| 5-Year IRR | ●15.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,750 |
| Section 24 Extra Tax/yr (higher rate) | £713 |
| SPV Annual Saving | £1,956 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,131 |
| Less: Purchase Price | −£95,000 |
| Less: Buying Costs (SDLT + legal) | −£7,350 |
| Less: Selling Costs (est. 2.5%) | −£2,753 |
| = CGT Net Gain (5yr) | £5,028 |
| CGT at 24% | £487 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 10.7% | 6.5% | £125 | 2.9% |
| Conservative | £923 | 11.7% | 7.7% | £282 | 11.7% |
| Base | £992 | 12.5% | 8.6% | £380 | 15.5% |
| Optimistic | £1,071 | 13.5% | 9.5% | £489 | 20.0% |
| Bull | £1,171 | 14.8% | 10.8% | £615 | 25.7% |
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