🔒 Sign in to view the address — Middlesbrough
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 36% above the area median. Offers anchored to area median of £96,000. 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 | £1,600 |
| Bedroom 2 | £1,600 |
| 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
- £130,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 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 | £7,683 | £133,900 | £5,087 | £212 | £4,112 | 9.5% |
| Yr 3 | £8,072 | £142,055 | £5,367 | £1,054 | £13,108 | 30.3% |
| Yr 5 | £8,481 | £150,706 | £5,661 | £2,477 | £23,182 | 53.7% |
| Yr 10 | £9,595 | £174,709 | £6,463 | £8,774 | £53,484 | 123.8% |
| Yr 15 | £10,856 | £202,536 | £7,371 | £19,395 | £91,931 | 212.8% |
| Yr 20 | £12,282 | £234,794 | £8,398 | £34,907 | £139,701 | 323.4% |
| Yr 25 | £13,896 | £272,191 | £9,560 | £55,953 | £198,144 | 458.7% |
| Yr 30 | £15,723 | £315,544 | £10,875 | £83,259 | £268,803 | 622.2% |
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 | £544 | 5.0% | 2.9% | £-212 | -13.2% |
| Conservative | £595 | 5.5% | 3.5% | £-67 | -1.8% |
| Base | £640 | 5.9% | 3.9% | £17 | 3.0% |
| Optimistic | £691 | 6.4% | 4.4% | £109 | 8.4% |
| Bull | £755 | 7.0% | 5.0% | £212 | 15.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.91% |
| Net Yield | ●3.91% |
| Net Annual Income | £5,085 |
| Deductions: void 8% (−£615) · mgmt 10% (−£768) · maint 10% (−£768) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £405 |
| Monthly Cashflow (IO) | ●£19 |
| Cash-on-Cash Return | ●0.49% |
| 5-Year IRR | ●3.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,600 |
| SDLT Effective Rate | 5.08% |
| SDLT (Company) | £6,600 |
| Section 24 Extra Tax/yr (higher rate) | £975 |
| SPV Annual Saving | £1,431 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £150,706 |
| Less: Purchase Price | −£130,000 |
| Less: Buying Costs (SDLT + legal) | −£9,200 |
| Less: Selling Costs (est. 2.5%) | −£3,768 |
| = CGT Net Gain (5yr) | £7,738 |
| CGT at 24% | £1,137 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £544 | 5.0% | 2.9% | £-212 | -13.2% |
| Conservative | £595 | 5.5% | 3.5% | £-67 | -1.8% |
| Base | £640 | 5.9% | 3.9% | £17 | 3.0% |
| Optimistic | £691 | 6.4% | 4.4% | £109 | 8.4% |
| Bull | £755 | 7.0% | 5.0% | £212 | 15.2% |
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