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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
- £165,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 900–1,000 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 | £9,867 | £169,950 | £6,659 | £472 | £5,422 | 10.0% |
| Yr 3 | £10,367 | £180,300 | £7,019 | £1,952 | £17,252 | 31.7% |
| Yr 5 | £10,891 | £191,280 | £7,397 | £4,180 | £30,460 | 56.0% |
| Yr 10 | £12,323 | £221,746 | £8,427 | £13,267 | £70,013 | 128.7% |
| Yr 15 | £13,942 | £257,065 | £9,593 | £27,905 | £119,970 | 220.5% |
| Yr 20 | £15,774 | £298,008 | £10,912 | £48,825 | £181,834 | 334.3% |
| Yr 25 | £17,847 | £345,473 | £12,405 | £76,852 | £257,326 | 473.0% |
| Yr 30 | £20,192 | £400,498 | £14,093 | £112,920 | £348,419 | 640.5% |
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 | £699 | 5.1% | 3.0% | £-253 | -12.6% |
| Conservative | £764 | 5.6% | 3.6% | £-69 | -1.3% |
| Base | £822 | 6.0% | 4.0% | £39 | 3.5% |
| Optimistic | £888 | 6.5% | 4.5% | £156 | 8.8% |
| Bull | £970 | 7.1% | 5.1% | £288 | 15.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.98% |
| Net Yield | ●4.03% |
| Net Annual Income | £6,657 |
| Deductions: void 8% (−£789) · mgmt 10% (−£987) · maint 10% (−£987) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £515 |
| Monthly Cashflow (IO) | ●£40 |
| Cash-on-Cash Return | ●0.86% |
| 5-Year IRR | ●3.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,050 |
| SDLT Effective Rate | 5.48% |
| SDLT (Company) | £9,050 |
| Section 24 Extra Tax/yr (higher rate) | £1,238 |
| SPV Annual Saving | £1,802 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £191,280 |
| Less: Purchase Price | −£165,000 |
| Less: Buying Costs (SDLT + legal) | −£11,650 |
| Less: Selling Costs (est. 2.5%) | −£4,782 |
| = CGT Net Gain (5yr) | £9,848 |
| CGT at 24% | £1,644 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £699 | 5.1% | 3.0% | £-253 | -12.6% |
| Conservative | £764 | 5.6% | 3.6% | £-69 | -1.3% |
| Base | £822 | 6.0% | 4.0% | £39 | 3.5% |
| Optimistic | £888 | 6.5% | 4.5% | £156 | 8.8% |
| Bull | £970 | 7.1% | 5.1% | £288 | 15.6% |
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