🔒 Sign in to view the address — Newcastle Upon Tyne
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 30% 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
- £89,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 800–900 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 | £14,115 | £91,670 | £9,718 | £6,381 | £9,051 | 29.4% |
| Yr 3 | £14,830 | £97,253 | £10,233 | £19,910 | £28,163 | 91.4% |
| Yr 5 | £15,581 | £103,175 | £10,773 | £34,508 | £48,683 | 158.1% |
| Yr 10 | £17,628 | £119,609 | £12,247 | £76,036 | £106,645 | 346.2% |
| Yr 15 | £19,945 | £138,659 | £13,915 | £125,506 | £175,165 | 568.7% |
| Yr 20 | £22,566 | £160,744 | £15,802 | £183,963 | £255,707 | 830.2% |
| Yr 25 | £25,531 | £186,346 | £17,937 | £252,586 | £349,932 | 1136.1% |
| Yr 30 | £28,886 | £216,026 | £20,353 | £332,712 | £459,738 | 1492.7% |
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 | £1,000 | 13.5% | 8.3% | £251 | 10.7% |
| Conservative | £1,094 | 14.7% | 9.8% | £423 | 18.5% |
| Base | £1,176 | 15.9% | 10.9% | £532 | 21.9% |
| Optimistic | £1,270 | 17.1% | 12.2% | £652 | 26.0% |
| Bull | £1,388 | 18.7% | 13.7% | £795 | 31.3% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●15.86% |
| Net Yield | ●10.92% |
| Net Annual Income | £9,716 |
| Deductions: void 8% (−£1,129) · mgmt 10% (−£1,412) · maint 10% (−£1,412) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £278 |
| Monthly Cashflow (IO) | ●£532 |
| Cash-on-Cash Return | ●20.71% |
| 5-Year IRR | ●21.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,450 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,450 |
| Section 24 Extra Tax/yr (higher rate) | £668 |
| SPV Annual Saving | £2,253 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £103,175 |
| Less: Purchase Price | −£89,000 |
| Less: Buying Costs (SDLT + legal) | −£7,050 |
| Less: Selling Costs (est. 2.5%) | −£2,579 |
| = CGT Net Gain (5yr) | £4,546 |
| CGT at 24% | £371 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 13.5% | 8.3% | £251 | 10.7% |
| Conservative | £1,094 | 14.7% | 9.8% | £423 | 18.5% |
| Base | £1,176 | 15.9% | 10.9% | £532 | 21.9% |
| Optimistic | £1,270 | 17.1% | 12.2% | £652 | 26.0% |
| Bull | £1,388 | 18.7% | 13.7% | £795 | 31.3% |
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