🔒 Sign in to view the address — Heaton
Flat · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 39% above the area median. Offers anchored to area median of £190,000. 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 | £3,250 |
| Bathroom | £2,400 |
| Living Room | £1,450 |
| Master Bedroom | £800 |
| Bedroom 2 | £800 |
| Bedroom 3 | £800 |
| Bedroom 4 | £800 |
| 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
- £265,000
- Property Type
- Flat
- Bedrooms
- 4
- Bathrooms
- N/A
- Occupancy
- 🔒 Currently Tenanted
- Floor Area
- 900–1,000 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 | £21,916 | £272,950 | £15,334 | £5,397 | £13,347 | 15.4% |
| Yr 3 | £23,025 | £289,573 | £16,133 | £17,383 | £41,956 | 48.3% |
| Yr 5 | £24,191 | £307,208 | £16,972 | £31,028 | £73,236 | 84.3% |
| Yr 10 | £27,369 | £356,138 | £19,261 | £72,955 | £164,093 | 188.9% |
| Yr 15 | £30,966 | £412,861 | £21,851 | £127,213 | £275,075 | 316.7% |
| Yr 20 | £35,035 | £478,619 | £24,780 | £195,423 | £409,043 | 471.0% |
| Yr 25 | £39,639 | £554,851 | £28,095 | £279,418 | £569,269 | 655.5% |
| Yr 30 | £44,848 | £643,225 | £31,846 | £381,273 | £759,497 | 874.5% |
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
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● Approved ● Pending ● Refused
🌎 Area Profile — North East England ⓘ What are deciles?
📄 Lease Information
Estimated remaining lease: 960 years.
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 7.0% | 4.4% | £-104 | -5.9% |
| Conservative | £1,699 | 7.7% | 5.2% | £241 | 4.2% |
| Base | £1,827 | 8.3% | 5.8% | £450 | 8.6% |
| Optimistic | £1,973 | 8.9% | 6.4% | £678 | 13.6% |
| Bull | £2,156 | 9.8% | 7.3% | £939 | 20.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.27% |
| Net Yield | ●5.79% |
| Net Annual Income | £15,340 |
| Deductions: void 8% (−£1,753) · mgmt 10% (−£2,192) · maint 10% (−£2,192) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £826 |
| Monthly Cashflow (IO) | ●£452 |
| Cash-on-Cash Return | ●6.22% |
| 5-Year IRR | ●8.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £16,500 |
| SDLT Effective Rate | 6.23% |
| SDLT (Company) | £16,500 |
| Section 24 Extra Tax/yr (higher rate) | £1,988 |
| SPV Annual Saving | £3,677 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £307,208 |
| Less: Purchase Price | −£265,000 |
| Less: Buying Costs (SDLT + legal) | −£19,100 |
| Less: Selling Costs (est. 2.5%) | −£7,680 |
| = CGT Net Gain (5yr) | £15,428 |
| CGT at 24% | £2,983 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £1,553 | 7.0% | 4.4% | £-104 | -5.9% |
| Conservative | £1,699 | 7.7% | 5.2% | £241 | 4.2% |
| Base | £1,827 | 8.3% | 5.8% | £450 | 8.6% |
| Optimistic | £1,973 | 8.9% | 6.4% | £678 | 13.6% |
| Bull | £2,156 | 9.8% | 7.3% | £939 | 20.0% |
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