🔒 Sign in to view the address — Newcastle Upon Tyne
Terraced · 4 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 | £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
- £400,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,700–1,800 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 | £21,920 | £412,000 | £15,337 | £337 | £12,337 | 9.2% |
| Yr 3 | £23,030 | £437,091 | £16,136 | £2,206 | £39,297 | 29.3% |
| Yr 5 | £24,196 | £463,710 | £16,976 | £5,732 | £69,442 | 51.8% |
| Yr 10 | £27,375 | £537,567 | £19,265 | £22,366 | £159,933 | 119.3% |
| Yr 15 | £30,972 | £623,187 | £21,855 | £51,334 | £274,521 | 204.7% |
| Yr 20 | £35,042 | £722,444 | £24,786 | £94,256 | £416,700 | 310.7% |
| Yr 25 | £39,647 | £837,511 | £28,101 | £152,966 | £590,478 | 440.3% |
| Yr 30 | £44,857 | £970,905 | £31,852 | £229,540 | £800,445 | 596.9% |
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 | 4.7% | 2.9% | £-653 | -13.6% |
| Conservative | £1,699 | 5.1% | 3.5% | £-223 | -2.4% |
| Base | £1,827 | 5.5% | 3.8% | £28 | 2.4% |
| Optimistic | £1,973 | 5.9% | 4.3% | £298 | 7.8% |
| Bull | £2,156 | 6.5% | 4.8% | £601 | 14.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.48% |
| Net Yield | ●3.84% |
| 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 | £1,248 |
| Monthly Cashflow (IO) | ●£30 |
| Cash-on-Cash Return | ●0.25% |
| 5-Year IRR | ●2.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £30,000 |
| SDLT Effective Rate | 7.5% |
| SDLT (Company) | £30,000 |
| Section 24 Extra Tax/yr (higher rate) | £3,000 |
| SPV Annual Saving | £3,931 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £463,710 |
| Less: Purchase Price | −£400,000 |
| Less: Buying Costs (SDLT + legal) | −£32,600 |
| Less: Selling Costs (est. 2.5%) | −£11,593 |
| = CGT Net Gain (5yr) | £19,517 |
| CGT at 24% | £3,964 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 4.7% | 2.9% | £-653 | -13.6% |
| Conservative | £1,699 | 5.1% | 3.5% | £-223 | -2.4% |
| Base | £1,827 | 5.5% | 3.8% | £28 | 2.4% |
| Optimistic | £1,973 | 5.9% | 4.3% | £298 | 7.8% |
| Bull | £2,156 | 6.5% | 4.8% | £601 | 14.7% |
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