🔒 Sign in to view the address — Stockton-on-Tees
Town House · 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 | Builders Middlesbrough | Project Management | Quality ... | 07960 485 880 | — |
| decorator | Decorator Teesside | Painters | Decorating Services | 07376 496299 | — |
| photographer | The Studio North East | 01642 205465 | — |
Property Details
- Asking Price
- £175,000
- Property Type
- Town House
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 900–1,000 sqft (est.)
- 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 | £13,965 | £180,250 | £9,610 | £3,047 | £8,297 | 14.4% |
| Yr 3 | £14,672 | £191,227 | £10,119 | £9,902 | £26,130 | 45.4% |
| Yr 5 | £15,415 | £202,873 | £10,654 | £17,814 | £45,687 | 79.3% |
| Yr 10 | £17,440 | £235,185 | £12,112 | £42,573 | £102,758 | 178.4% |
| Yr 15 | £19,732 | £272,644 | £13,762 | £75,189 | £172,834 | 300.1% |
| Yr 20 | £22,325 | £316,069 | £15,629 | £116,696 | £257,766 | 447.5% |
| Yr 25 | £25,259 | £366,411 | £17,741 | £168,262 | £359,673 | 624.4% |
| Yr 30 | £28,578 | £424,771 | £20,131 | £231,208 | £480,979 | 835.0% |
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 | £989 | 6.8% | 4.2% | £-105 | -7.1% |
| Conservative | £1,083 | 7.4% | 4.9% | £119 | 3.2% |
| Base | £1,164 | 8.0% | 5.5% | £254 | 7.7% |
| Optimistic | £1,257 | 8.6% | 6.1% | £401 | 12.8% |
| Bull | £1,374 | 9.4% | 6.9% | £569 | 19.2% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.98% |
| Net Yield | ●5.49% |
| Net Annual Income | £9,612 |
| Deductions: void 8% (−£1,117) · mgmt 10% (−£1,396) · maint 10% (−£1,396) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £546 |
| Monthly Cashflow (IO) | ●£255 |
| Cash-on-Cash Return | ●5.29% |
| 5-Year IRR | ●7.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,750 |
| SDLT Effective Rate | 5.57% |
| SDLT (Company) | £9,750 |
| Section 24 Extra Tax/yr (higher rate) | £1,313 |
| SPV Annual Saving | £2,395 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £202,873 |
| Less: Purchase Price | −£175,000 |
| Less: Buying Costs (SDLT + legal) | −£12,350 |
| Less: Selling Costs (est. 2.5%) | −£5,072 |
| = CGT Net Gain (5yr) | £10,451 |
| CGT at 24% | £1,788 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £989 | 6.8% | 4.2% | £-105 | -7.1% |
| Conservative | £1,083 | 7.4% | 4.9% | £119 | 3.2% |
| Base | £1,164 | 8.0% | 5.5% | £254 | 7.7% |
| Optimistic | £1,257 | 8.6% | 6.1% | £401 | 12.8% |
| Bull | £1,374 | 9.4% | 6.9% | £569 | 19.2% |
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 →