🔒 Sign in to view the address — Newcastle
Flat · 2 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 | £3,250 |
| Bathroom | £2,400 |
| Living Room | £1,450 |
| Master Bedroom | £1,650 |
| Bedroom 2 | £1,650 |
| Entrance Hall | £300 |
| 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
- £135,000
- Property Type
- Flat
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 500–600 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 | £11,907 | £139,050 | £8,128 | £3,066 | £7,116 | 15.9% |
| Yr 3 | £12,510 | £147,518 | £8,562 | £9,845 | £22,363 | 49.9% |
| Yr 5 | £13,143 | £156,502 | £9,018 | £17,525 | £39,027 | 87.1% |
| Yr 10 | £14,870 | £181,429 | £10,262 | £40,972 | £87,401 | 195.1% |
| Yr 15 | £16,824 | £210,326 | £11,668 | £71,119 | £146,444 | 326.9% |
| Yr 20 | £19,035 | £243,825 | £13,260 | £108,845 | £217,670 | 485.9% |
| Yr 25 | £21,536 | £282,660 | £15,061 | £155,148 | £302,808 | 675.9% |
| Yr 30 | £24,367 | £327,680 | £17,099 | £211,155 | £403,835 | 901.4% |
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?
📄 Lease Information
Estimated remaining lease: 84 years. Below 85 years — approaching mortgage threshold; consider a lease extension.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 7.5% | 4.5% | £-37 | -5.3% |
| Conservative | £923 | 8.2% | 5.4% | £145 | 4.7% |
| Base | £992 | 8.8% | 6.0% | £255 | 9.1% |
| Optimistic | £1,071 | 9.5% | 6.7% | £376 | 14.0% |
| Bull | £1,171 | 10.4% | 7.6% | £515 | 20.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.82% |
| Net Yield | ●6.02% |
| Net Annual Income | £8,126 |
| Deductions: void 8% (−£953) · mgmt 10% (−£1,191) · maint 10% (−£1,191) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £421 |
| Monthly Cashflow (IO) | ●£256 |
| Cash-on-Cash Return | ●6.84% |
| 5-Year IRR | ●9.1% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £6,950 |
| SDLT Effective Rate | 5.15% |
| SDLT (Company) | £6,950 |
| Section 24 Extra Tax/yr (higher rate) | £1,013 |
| SPV Annual Saving | £2,031 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £156,502 |
| Less: Purchase Price | −£135,000 |
| Less: Buying Costs (SDLT + legal) | −£9,550 |
| Less: Selling Costs (est. 2.5%) | −£3,913 |
| = CGT Net Gain (5yr) | £8,039 |
| CGT at 24% | £1,209 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £843 | 7.5% | 4.5% | £-37 | -5.3% |
| Conservative | £923 | 8.2% | 5.4% | £145 | 4.7% |
| Base | £992 | 8.8% | 6.0% | £255 | 9.1% |
| Optimistic | £1,071 | 9.5% | 6.7% | £376 | 14.0% |
| Bull | £1,171 | 10.4% | 7.6% | £515 | 20.4% |
Run the numbers on this deal
Use our free Rental Yield Calculator to calculate gross yield, net yield, monthly cash flow, and mortgage stress tests.
Calculate Rental Yield →