🔒 Sign in to view the address — Middlesbrough
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 16% above the area median. Offers anchored to area median of £73,000. 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 | £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 | 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
- £85,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 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 | £9,112 | £87,550 | £6,116 | £2,928 | £5,478 | 18.5% |
| Yr 3 | £9,573 | £92,882 | £6,448 | £9,281 | £17,162 | 58.0% |
| Yr 5 | £10,058 | £98,538 | £6,797 | £16,322 | £29,861 | 100.9% |
| Yr 10 | £11,380 | £114,233 | £7,748 | £37,176 | £66,409 | 224.4% |
| Yr 15 | £12,875 | £132,427 | £8,825 | £63,157 | £110,585 | 373.6% |
| Yr 20 | £14,567 | £153,519 | £10,043 | £94,939 | £163,459 | 552.2% |
| Yr 25 | £16,481 | £177,971 | £11,421 | £133,284 | £226,255 | 764.4% |
| Yr 30 | £18,647 | £206,317 | £12,981 | £179,055 | £300,372 | 1014.8% |
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 | £645 | 9.1% | 5.4% | £37 | -2.2% |
| Conservative | £706 | 10.0% | 6.5% | £165 | 7.3% |
| Base | £759 | 10.7% | 7.2% | £244 | 11.3% |
| Optimistic | £820 | 11.6% | 8.0% | £330 | 16.0% |
| Bull | £896 | 12.6% | 9.1% | £431 | 22.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.72% |
| Net Yield | ●7.19% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £265 |
| Monthly Cashflow (IO) | ●£244 |
| Cash-on-Cash Return | ●9.88% |
| 5-Year IRR | ●11.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,250 |
| Section 24 Extra Tax/yr (higher rate) | £638 |
| SPV Annual Saving | £1,546 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £98,538 |
| Less: Purchase Price | −£85,000 |
| Less: Buying Costs (SDLT + legal) | −£6,850 |
| Less: Selling Costs (est. 2.5%) | −£2,463 |
| = CGT Net Gain (5yr) | £4,225 |
| CGT at 24% | £294 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 9.1% | 5.4% | £37 | -2.2% |
| Conservative | £706 | 10.0% | 6.5% | £165 | 7.3% |
| Base | £759 | 10.7% | 7.2% | £244 | 11.3% |
| Optimistic | £820 | 11.6% | 8.0% | £330 | 16.0% |
| Bull | £896 | 12.6% | 9.1% | £431 | 22.0% |
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