🔒 Sign in to view the address — Newcastle Upon Tyne
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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
- £185,000
- Property Type
- Semi-Detached
- 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 | £14,116 | £190,550 | £9,718 | £2,781 | £8,331 | 13.7% |
| Yr 3 | £14,830 | £202,154 | £10,233 | £9,111 | £26,265 | 43.2% |
| Yr 5 | £15,581 | £214,466 | £10,773 | £16,508 | £45,974 | 75.6% |
| Yr 10 | £17,628 | £248,625 | £12,247 | £40,037 | £103,661 | 170.5% |
| Yr 15 | £19,945 | £288,224 | £13,915 | £71,508 | £174,732 | 287.4% |
| Yr 20 | £22,566 | £334,131 | £15,802 | £111,964 | £261,095 | 429.4% |
| Yr 25 | £25,531 | £387,349 | £17,937 | £162,588 | £364,937 | 600.2% |
| Yr 30 | £28,886 | £449,044 | £20,353 | £224,715 | £488,759 | 803.9% |
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 | 6.5% | 4.0% | £-139 | -8.0% |
| Conservative | £1,094 | 7.1% | 4.7% | £93 | 2.5% |
| Base | £1,176 | 7.6% | 5.3% | £232 | 7.0% |
| Optimistic | £1,270 | 8.2% | 5.9% | £382 | 12.2% |
| Bull | £1,388 | 9.0% | 6.6% | £555 | 18.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.63% |
| Net Yield | ●5.25% |
| 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 | £577 |
| Monthly Cashflow (IO) | ●£233 |
| Cash-on-Cash Return | ●4.57% |
| 5-Year IRR | ●7.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £10,450 |
| SDLT Effective Rate | 5.65% |
| SDLT (Company) | £10,450 |
| Section 24 Extra Tax/yr (higher rate) | £1,388 |
| SPV Annual Saving | £2,433 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £214,466 |
| Less: Purchase Price | −£185,000 |
| Less: Buying Costs (SDLT + legal) | −£13,050 |
| Less: Selling Costs (est. 2.5%) | −£5,362 |
| = CGT Net Gain (5yr) | £11,054 |
| CGT at 24% | £1,933 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,000 | 6.5% | 4.0% | £-139 | -8.0% |
| Conservative | £1,094 | 7.1% | 4.7% | £93 | 2.5% |
| Base | £1,176 | 7.6% | 5.3% | £232 | 7.0% |
| Optimistic | £1,270 | 8.2% | 5.9% | £382 | 12.2% |
| Bull | £1,388 | 9.0% | 6.6% | £555 | 18.7% |
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