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Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 78% above the area median. Offers anchored to area median of £70,000. 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 | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Bedroom 3 | £800 |
| Bedroom 4 | £800 |
| 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 | 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
- £124,950
- Property Type
- Terraced
- Bedrooms
- 4
- 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 | £12,045 | £128,698 | £8,228 | £3,542 | £7,290 | 17.5% |
| Yr 3 | £12,655 | £136,536 | £8,667 | £11,282 | £22,868 | 55.0% |
| Yr 5 | £13,296 | £144,851 | £9,128 | £19,933 | £39,834 | 95.8% |
| Yr 10 | £15,043 | £167,922 | £10,386 | £45,855 | £88,828 | 213.6% |
| Yr 15 | £17,020 | £194,668 | £11,809 | £78,556 | £148,274 | 356.6% |
| Yr 20 | £19,256 | £225,674 | £13,419 | £118,924 | £219,648 | 528.2% |
| Yr 25 | £21,786 | £261,618 | £15,241 | £167,969 | £304,636 | 732.6% |
| Yr 30 | £24,649 | £303,286 | £17,303 | £226,829 | £405,165 | 974.3% |
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
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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 | £853 | 8.2% | 5.0% | £10 | -3.3% |
| Conservative | £934 | 9.0% | 5.9% | £187 | 6.4% |
| Base | £1,004 | 9.6% | 6.6% | £295 | 10.7% |
| Optimistic | £1,084 | 10.4% | 7.3% | £414 | 15.5% |
| Bull | £1,185 | 11.4% | 8.3% | £551 | 21.7% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.64% |
| Net Yield | ●6.59% |
| Net Annual Income | £8,230 |
| Deductions: void 8% (−£964) · mgmt 10% (−£1,205) · maint 10% (−£1,205) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £390 |
| Monthly Cashflow (IO) | ●£296 |
| Cash-on-Cash Return | ●8.52% |
| 5-Year IRR | ●10.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,248 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,248 |
| Section 24 Extra Tax/yr (higher rate) | £937 |
| SPV Annual Saving | £2,032 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £144,851 |
| Less: Purchase Price | −£124,950 |
| Less: Buying Costs (SDLT + legal) | −£8,848 |
| Less: Selling Costs (est. 2.5%) | −£3,621 |
| = CGT Net Gain (5yr) | £7,432 |
| CGT at 24% | £1,064 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £853 | 8.2% | 5.0% | £10 | -3.3% |
| Conservative | £934 | 9.0% | 5.9% | £187 | 6.4% |
| Base | £1,004 | 9.6% | 6.6% | £295 | 10.7% |
| Optimistic | £1,084 | 10.4% | 7.3% | £414 | 15.5% |
| Bull | £1,185 | 11.4% | 8.3% | £551 | 21.7% |
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