🔒 Sign in to view the address — Hebburn
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 30% above the area median. Offers anchored to area median of £123,000. 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 | 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
- £159,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £8,989 | £164,748 | £6,027 | £29 | £4,828 | 9.1% |
| Yr 3 | £9,444 | £174,782 | £6,355 | £577 | £15,408 | 29.2% |
| Yr 5 | £9,922 | £185,426 | £6,699 | £1,804 | £27,280 | 51.7% |
| Yr 10 | £11,226 | £214,959 | £7,638 | £8,079 | £63,089 | 119.5% |
| Yr 15 | £12,701 | £249,197 | £8,700 | £19,412 | £108,659 | 205.9% |
| Yr 20 | £14,371 | £288,887 | £9,902 | £36,468 | £165,406 | 313.4% |
| Yr 25 | £16,259 | £334,900 | £11,261 | £59,998 | £234,948 | 445.1% |
| Yr 30 | £18,396 | £388,241 | £12,800 | £90,854 | £319,145 | 604.6% |
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 | £637 | 4.8% | 2.8% | £-273 | -13.6% |
| Conservative | £697 | 5.2% | 3.4% | £-99 | -2.1% |
| Base | £749 | 5.6% | 3.8% | £2 | 2.7% |
| Optimistic | £809 | 6.1% | 4.2% | £112 | 8.1% |
| Bull | £884 | 6.6% | 4.8% | £235 | 15.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.62% |
| Net Yield | ●3.77% |
| Net Annual Income | £6,026 |
| Deductions: void 8% (−£719) · mgmt 10% (−£899) · maint 10% (−£899) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£3 |
| Cash-on-Cash Return | ●0.05% |
| 5-Year IRR | ●2.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,696 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,696 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £1,670 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,426 |
| Less: Purchase Price | −£159,950 |
| Less: Buying Costs (SDLT + legal) | −£11,296 |
| Less: Selling Costs (est. 2.5%) | −£4,636 |
| = CGT Net Gain (5yr) | £9,544 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £637 | 4.8% | 2.8% | £-273 | -13.6% |
| Conservative | £697 | 5.2% | 3.4% | £-99 | -2.1% |
| Base | £749 | 5.6% | 3.8% | £2 | 2.7% |
| Optimistic | £809 | 6.1% | 4.2% | £112 | 8.1% |
| Bull | £884 | 6.6% | 4.8% | £235 | 15.0% |
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