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Flat · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 70% above the area median. Offers anchored to area median of £64,000. 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
- £110,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 600–700 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 | £8,470 | £113,300 | £5,653 | £1,528 | £4,828 | 13.0% |
| Yr 3 | £8,899 | £120,200 | £5,962 | £5,046 | £15,246 | 41.1% |
| Yr 5 | £9,349 | £127,520 | £6,286 | £9,205 | £26,725 | 72.0% |
| Yr 10 | £10,578 | £147,831 | £7,171 | £22,623 | £60,454 | 162.9% |
| Yr 15 | £11,968 | £171,376 | £8,172 | £40,806 | £102,182 | 275.4% |
| Yr 20 | £13,541 | £198,672 | £9,304 | £64,382 | £153,054 | 412.5% |
| Yr 25 | £15,320 | £230,316 | £10,585 | £94,058 | £214,373 | 577.8% |
| Yr 30 | £17,333 | £266,999 | £12,035 | £130,636 | £287,635 | 775.3% |
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: 912 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £600 | 6.5% | 3.9% | £-94 | -8.9% |
| Conservative | £657 | 7.2% | 4.6% | £44 | 1.8% |
| Base | £706 | 7.7% | 5.1% | £127 | 6.2% |
| Optimistic | £762 | 8.3% | 5.8% | £218 | 11.3% |
| Bull | £833 | 9.1% | 6.5% | £321 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.7% |
| Net Yield | ●5.14% |
| Net Annual Income | £5,655 |
| Deductions: void 8% (−£678) · mgmt 10% (−£847) · maint 10% (−£847) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£128 |
| Cash-on-Cash Return | ●4.12% |
| 5-Year IRR | ●6.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,504 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £600 | 6.5% | 3.9% | £-94 | -8.9% |
| Conservative | £657 | 7.2% | 4.6% | £44 | 1.8% |
| Base | £706 | 7.7% | 5.1% | £127 | 6.2% |
| Optimistic | £762 | 8.3% | 5.8% | £218 | 11.3% |
| Bull | £833 | 9.1% | 6.5% | £321 | 17.8% |
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