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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 27% 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
- £115,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 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 | £14,110 | £118,450 | £9,715 | £5,402 | £8,852 | 22.9% |
| Yr 3 | £14,825 | £125,664 | £10,229 | £16,974 | £27,638 | 71.6% |
| Yr 5 | £15,575 | £133,317 | £10,769 | £29,614 | £47,931 | 124.2% |
| Yr 10 | £17,622 | £154,550 | £12,243 | £66,246 | £105,797 | 274.1% |
| Yr 15 | £19,938 | £179,166 | £13,910 | £110,818 | £174,984 | 453.3% |
| Yr 20 | £22,558 | £207,703 | £15,797 | £164,372 | £257,075 | 666.0% |
| Yr 25 | £25,522 | £240,784 | £17,931 | £228,090 | £353,875 | 916.8% |
| Yr 30 | £28,876 | £279,135 | £20,346 | £303,307 | £467,442 | 1211.0% |
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 | £1,000 | 10.4% | 6.4% | £145 | 3.1% |
| Conservative | £1,094 | 11.4% | 7.6% | £333 | 11.9% |
| Base | £1,176 | 12.3% | 8.4% | £450 | 15.8% |
| Optimistic | £1,270 | 13.3% | 9.4% | £579 | 20.3% |
| Bull | £1,388 | 14.5% | 10.6% | £730 | 26.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.27% |
| Net Yield | ●8.45% |
| Net Annual Income | £9,716 |
| Deductions: void 8% (−£1,129) · mgmt 10% (−£1,411) · maint 10% (−£1,411) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £359 |
| Monthly Cashflow (IO) | ●£451 |
| Cash-on-Cash Return | ●14.0% |
| 5-Year IRR | ●15.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,750 |
| Section 24 Extra Tax/yr (higher rate) | £862 |
| SPV Annual Saving | £2,302 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £133,317 |
| Less: Purchase Price | −£115,000 |
| Less: Buying Costs (SDLT + legal) | −£8,350 |
| Less: Selling Costs (est. 2.5%) | −£3,333 |
| = CGT Net Gain (5yr) | £6,634 |
| CGT at 24% | £872 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 10.4% | 6.4% | £145 | 3.1% |
| Conservative | £1,094 | 11.4% | 7.6% | £333 | 11.9% |
| Base | £1,176 | 12.3% | 8.4% | £450 | 15.8% |
| Optimistic | £1,270 | 13.3% | 9.4% | £579 | 20.3% |
| Bull | £1,388 | 14.5% | 10.6% | £730 | 26.1% |
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