🔒 Sign in to view the address — Heaton
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
- £385,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Floor Area
- 1,600–1,700 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 | £21,906 | £396,550 | £15,328 | £890 | £12,440 | 9.7% |
| Yr 3 | £23,016 | £420,700 | £16,126 | £3,863 | £39,563 | 30.7% |
| Yr 5 | £24,181 | £446,321 | £16,965 | £8,494 | £69,814 | 54.2% |
| Yr 10 | £27,358 | £517,408 | £19,253 | £27,882 | £160,290 | 124.4% |
| Yr 15 | £30,953 | £599,817 | £21,841 | £59,597 | £274,414 | 213.0% |
| Yr 20 | £35,021 | £695,353 | £24,770 | £105,258 | £415,611 | 322.6% |
| Yr 25 | £39,623 | £806,105 | £28,083 | £166,697 | £587,801 | 456.2% |
| Yr 30 | £44,830 | £934,496 | £31,832 | £245,988 | £795,484 | 617.4% |
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?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 4.8% | 3.0% | £-592 | -13.0% |
| Conservative | £1,699 | 5.3% | 3.6% | £-171 | -1.9% |
| Base | £1,827 | 5.7% | 4.0% | £75 | 2.9% |
| Optimistic | £1,973 | 6.2% | 4.4% | £340 | 8.3% |
| Bull | £2,156 | 6.7% | 5.0% | £639 | 15.1% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.69% |
| Net Yield | ●3.98% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,753) · mgmt 10% (−£2,191) · maint 10% (−£2,191) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,201 |
| Monthly Cashflow (IO) | ●£77 |
| Cash-on-Cash Return | ●0.7% |
| 5-Year IRR | ●2.9% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £28,500 |
| SDLT Effective Rate | 7.4% |
| SDLT (Company) | £28,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,888 |
| SPV Annual Saving | £3,902 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £446,321 |
| Less: Purchase Price | −£385,000 |
| Less: Buying Costs (SDLT + legal) | −£31,100 |
| Less: Selling Costs (est. 2.5%) | −£11,158 |
| = CGT Net Gain (5yr) | £19,063 |
| CGT at 24% | £3,855 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 4.8% | 3.0% | £-592 | -13.0% |
| Conservative | £1,699 | 5.3% | 3.6% | £-171 | -1.9% |
| Base | £1,827 | 5.7% | 4.0% | £75 | 2.9% |
| Optimistic | £1,973 | 6.2% | 4.4% | £340 | 8.3% |
| Bull | £2,156 | 6.7% | 5.0% | £639 | 15.1% |
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