🔒 Sign in to view the address — Fenham
Semi-Detached · 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
- £375,000
- Property Type
- Semi-Detached
- 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 | £21,938 | £386,250 | £15,350 | £1,288 | £12,538 | 10.0% |
| Yr 3 | £23,048 | £409,773 | £16,150 | £5,057 | £39,830 | 31.8% |
| Yr 5 | £24,215 | £434,728 | £16,990 | £10,486 | £70,214 | 56.0% |
| Yr 10 | £27,397 | £503,969 | £19,281 | £31,882 | £160,851 | 128.3% |
| Yr 15 | £30,997 | £584,238 | £21,873 | £65,622 | £274,860 | 219.3% |
| Yr 20 | £35,070 | £677,292 | £24,806 | £113,328 | £415,620 | 331.6% |
| Yr 25 | £39,679 | £785,167 | £28,124 | £176,834 | £587,001 | 468.3% |
| Yr 30 | £44,893 | £910,223 | £31,878 | £258,218 | £793,442 | 633.0% |
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 | 5.0% | 3.1% | £-551 | -12.6% |
| Conservative | £1,699 | 5.4% | 3.7% | £-137 | -1.6% |
| Base | £1,827 | 5.8% | 4.1% | £106 | 3.2% |
| Optimistic | £1,973 | 6.3% | 4.6% | £368 | 8.6% |
| Bull | £2,156 | 6.9% | 5.1% | £664 | 15.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.85% |
| Net Yield | ●4.09% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,755) · mgmt 10% (−£2,194) · maint 10% (−£2,194) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £1,170 |
| Monthly Cashflow (IO) | ●£108 |
| Cash-on-Cash Return | ●1.02% |
| 5-Year IRR | ●3.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £27,500 |
| SDLT Effective Rate | 7.33% |
| SDLT (Company) | £27,500 |
| Section 24 Extra Tax/yr (higher rate) | £2,812 |
| SPV Annual Saving | £3,884 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £434,728 |
| Less: Purchase Price | −£375,000 |
| Less: Buying Costs (SDLT + legal) | −£30,100 |
| Less: Selling Costs (est. 2.5%) | −£10,868 |
| = CGT Net Gain (5yr) | £18,760 |
| CGT at 24% | £3,782 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 5.0% | 3.1% | £-551 | -12.6% |
| Conservative | £1,699 | 5.4% | 3.7% | £-137 | -1.6% |
| Base | £1,827 | 5.8% | 4.1% | £106 | 3.2% |
| Optimistic | £1,973 | 6.3% | 4.6% | £368 | 8.6% |
| Bull | £2,156 | 6.9% | 5.1% | £664 | 15.4% |
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