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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 21% above the area median. Offers anchored to area median of £54,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Total Estimated Refurb | £4,250 |
⚠ 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 | Builders Middlesbrough | Project Management | Quality ... | 07960 485 880 | — |
| decorator | Decorator Teesside | Painters | Decorating Services | 07376 496299 | — |
| photographer | The Studio North East | 01642 205465 | — |
Property Details
- Asking Price
- £65,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £7,683 | £66,950 | £5,087 | £2,649 | £4,599 | 19.5% |
| Yr 3 | £8,072 | £71,027 | £5,367 | £8,366 | £14,393 | 61.0% |
| Yr 5 | £8,481 | £75,353 | £5,661 | £14,664 | £25,017 | 106.0% |
| Yr 10 | £9,595 | £87,355 | £6,463 | £33,149 | £55,504 | 235.2% |
| Yr 15 | £10,856 | £101,268 | £7,371 | £55,958 | £92,225 | 390.8% |
| Yr 20 | £12,282 | £117,397 | £8,398 | £83,657 | £136,054 | 576.5% |
| Yr 25 | £13,896 | £136,096 | £9,560 | £116,890 | £187,986 | 796.5% |
| Yr 30 | £15,723 | £157,772 | £10,875 | £156,384 | £249,156 | 1055.7% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £544 | 10.0% | 5.8% | £52 | -1.0% |
| Conservative | £595 | 11.0% | 7.0% | £156 | 8.2% |
| Base | £640 | 11.8% | 7.8% | £221 | 12.0% |
| Optimistic | £691 | 12.8% | 8.8% | £292 | 16.5% |
| Bull | £755 | 13.9% | 9.9% | £374 | 22.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.82% |
| Net Yield | ●7.82% |
| Net Annual Income | £5,085 |
| Deductions: void 8% (−£615) · mgmt 10% (−£768) · maint 10% (−£768) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £203 |
| Monthly Cashflow (IO) | ●£221 |
| Cash-on-Cash Return | ●11.22% |
| 5-Year IRR | ●12.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,250 |
| Section 24 Extra Tax/yr (higher rate) | £488 |
| SPV Annual Saving | £1,308 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £75,353 |
| Less: Purchase Price | −£65,000 |
| Less: Buying Costs (SDLT + legal) | −£5,850 |
| Less: Selling Costs (est. 2.5%) | −£1,884 |
| = CGT Net Gain (5yr) | £2,619 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £544 | 10.0% | 5.8% | £52 | -1.0% |
| Conservative | £595 | 11.0% | 7.0% | £156 | 8.2% |
| Base | £640 | 11.8% | 7.8% | £221 | 12.0% |
| Optimistic | £691 | 12.8% | 8.8% | £292 | 16.5% |
| Bull | £755 | 13.9% | 9.9% | £374 | 22.3% |
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