🔒 Sign in to view the address — Newcastle upon Tyne
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 47% 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 | £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 | 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
- £120,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,400–1,500 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 | £21,924 | £123,600 | £15,340 | £10,840 | £14,440 | 36.0% |
| Yr 3 | £23,034 | £131,127 | £16,139 | £33,715 | £44,842 | 111.8% |
| Yr 5 | £24,200 | £139,113 | £16,979 | £58,248 | £77,361 | 192.9% |
| Yr 10 | £27,380 | £161,270 | £19,269 | £127,399 | £168,668 | 420.6% |
| Yr 15 | £30,978 | £186,956 | £21,859 | £208,885 | £275,842 | 687.9% |
| Yr 20 | £35,049 | £216,733 | £24,790 | £304,330 | £401,063 | 1000.2% |
| Yr 25 | £39,655 | £251,253 | £28,106 | £415,565 | £546,818 | 1363.6% |
| Yr 30 | £44,865 | £291,271 | £31,858 | £544,666 | £715,938 | 1785.4% |
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 | £1,553 | 15.5% | 9.7% | £485 | 18.1% |
| Conservative | £1,699 | 17.0% | 11.5% | £740 | 25.2% |
| Base | £1,827 | 18.3% | 12.8% | £903 | 28.5% |
| Optimistic | £1,973 | 19.7% | 14.2% | £1,086 | 32.3% |
| Bull | £2,156 | 21.6% | 16.0% | £1,301 | 37.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●18.27% |
| Net Yield | ●12.78% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,754) · mgmt 10% (−£2,192) · maint 10% (−£2,192) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £374 |
| Monthly Cashflow (IO) | ●£904 |
| Cash-on-Cash Return | ●27.03% |
| 5-Year IRR | ●28.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £6,000 |
| Section 24 Extra Tax/yr (higher rate) | £900 |
| SPV Annual Saving | £3,406 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £139,113 |
| Less: Purchase Price | −£120,000 |
| Less: Buying Costs (SDLT + legal) | −£8,600 |
| Less: Selling Costs (est. 2.5%) | −£3,478 |
| = CGT Net Gain (5yr) | £7,035 |
| CGT at 24% | £968 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 15.5% | 9.7% | £485 | 18.1% |
| Conservative | £1,699 | 17.0% | 11.5% | £740 | 25.2% |
| Base | £1,827 | 18.3% | 12.8% | £903 | 28.5% |
| Optimistic | £1,973 | 19.7% | 14.2% | £1,086 | 32.3% |
| Bull | £2,156 | 21.6% | 16.0% | £1,301 | 37.3% |
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