-3.6% 5y IRR — capital outlay disproportionate to returns
No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
EPC band not stated — verify the certificate before offering (2030 MEES minimum is band C).
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£141/mo
You top up £141/mo
Price vs market
Above comparable sales
+54% vs 10 sold
Return · IRR
-3.6%/yr
Loses money over 5 years
Cash to get in
£47K
Deposit + fees + refurb
Price £105KReturn before costson price8.59%5-yr return on cash -12%Rent est. £752 (£748–£756)
How we define each return:On price — gross yield = annual rent ÷ purchase price.On cost — net yield ÷ total project cost (price + refurb + fees).On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
Listing seen …
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
Local comp range: £748–£756/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · £26,250
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£8,522–£15,907 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £78,750 loan + £1,000 booking fee
We don't ingest the NHLE bulk register, so we can't flag listed-building or conservation-area status for this address from our data alone. Use the official registry to verify before exchanging.
Flooring · Carpet on bedrooms + LVT/laminate downstairs£8,910–£17,010
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingN/A
Price & sale history9d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£118,500 in 2003 → £105,000 asking
-11.4%in 23y
2003£118,500—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Compare 7 strategies side-by-side · best shown with ⭐
⭐Council lease wins — -£107/mo · £35/mo ahead of Rent it out
Strategy
Return before costson price
Monthly profit
Cash needed
5y Return on your cashon cash
Risk
Feasibility
Rent it out
8.59%
-£141
£47,437
-11.8%
Low
Feasible
Housing-benefit rent
6.27%
-£344
£47,437
-37.2%
Med
Feasible
⭐ Council lease
8.59%
-£107
£47,437
-11.0%
Low
Feasible
Refurb & refinance
8.59%
-£141
£57,232
-9.7%
Med
Feasible
Short-stay let / Airbnb
—
—
—
—
—
Disabledno local short-let data
Buy, improve & sell
0.00%
-£319
£128,157
-1%
Med
Feasible
Rent by the room
—
—
—
—
—
Disabledneeds 3+ beds
Housing-benefit (LHA) scheme detailBRMA Tyneside · cap £549/mo
Housing-benefit rent scheme detail
Per-BRMA Local Housing Allowance + per-LA council leasing scheme.
Rental Market Area (BRMA):
Tyneside
LHA monthly cap:
£549
Scheme type:
none
Premium:
+1000% premium over LHA cap
Typical lease:
0 years lease
Management:
landlord pays agent (typical 10%)
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impactLocal lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
As-is Rent it out vs converted Rent by the room
+£491/mo cash flow vs Rent it out if converted to Rent by the room
27.43% Return before costs on price converted vs 8.59% as-is
As-is Rent it out
Monthly profit-£3
Return before costson price8.59%
Cash needed£38,148
If converted to Rent by the room
Monthly profit+£488
Return before costson price27.43%
Cash needed£54,148
Δ vs Rent it outMonthly profit+£491
Show conversion detail
Cannot Rent by the room:Only 2 bed — too small for an HMO (3+ unrelated tenants from 2+ households) without major reconfiguration.
Conversion cost estimate
£44,000
Range: £38,000 – £52,000
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
£34,714–£63,000full refurb + room split
⚠️ Capped at 60% of £105,000 asking (£63,000). Raw model: £44,640–£81,015. Verify with a surveyor before offering.
What's in this cost
Kitchen£6,859–£13,717
1 × bathroom£4,549–£8,340
Rewire£2,520–£4,409
Replumb£1,890–£3,779
Windows£6,299–£11,338
Paint + decor£5,039–£8,188
Flooring£7,559–£13,228
Comparables
sold within 0.5 mi
Med · CV 10.6%Med confidence
Loading nearby sold…
Location & area intelligence
Transport 100 / 100
Loading map…
Transport score100 / 100
On the map
Registered HMOs
Approved HMO conversions
Pending HMO applications
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
Cheviot Primary School
Primary · Academy converter · NE5 4EB
Good
Callerton Academy
Secondary · Free schools · NE5 4JQ
Good
Farne Primary School
Primary · Academy converter · NE5 4AP
Not rated
Simonside Primary School
Primary · Academy converter · NE5 4LG
Not rated
St Mark's Catholic Primary School, Westerhope
Primary · Academy converter · NE5 4BT
Not rated
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
-£1,696/yr kept
Annual gross rent£9,024
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profitannual-£1,696
Exit costs
-£5,579 after CGT
Projected sale price (5y · 2%/yr growth)£115,928
Capital gain (pre-CGT)£10,928
Sale costs (~2.5%)£2,898
CGT due (Ltd Co 25%)£0
No personal CGT — the gain is taxed at the company level (corporation tax) when the SPV disposes of the property.
Net 5y Monthly profitafter CGT-£5,579
Rates as of Oct 2024
Acquisition costs
£47,437cash needed
Purchase price£105,000
Deposit (25%)£26,250
Stamp duty+5% additional-property surcharge£5,250
Refurb£11,362
Legal + survey£2,000
Mortgage fees£2,575
Total cash neededdeposit + costs (loan covers the rest)£47,437
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
2-Bedroom Apartment for Sale – Property 15, St. Marks Court, Newcastle upon Tyne, NE5 4AZ
Asking Price: £105,000
A well-presented two-bedroom apartment situated at St. Marks Court, Newcastle upon Tyne, NE5 4AZ, offering an excellent opportunity for first-time buyers, downsizers or investors.
The property provides comfortable and practical accommodation, comprising two bedrooms, a spacious living area, a fitted kitchen and a bathroom. The apartment offers a great opportunit…
Stress Rent-covers-mortgage check PASS at 6.5% rate stress
8.59% Return before costs — above-market
Price
£105K
54% above sold comps
Return before costs
8.59%
est rent £752/monot enough comparablesRange £748–£756/mo (Q1–Q3)
Bedrooms
2
1 bath
Energy rating
—
Energy rating
Run the numbers
Each tab prefills
What-if calculator
Edit any input — outputs recalc liveRates as of 20 May 2026
Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
Local comp range: £748–£756/mo · n=11
Financing
DepositYour cash in — the rest is the mortgage25% · £26,250
5%100% (cash buy)
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
3.0%9.0%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
5.0%9.0%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£8,522–£15,907 range), VAT-inclusive
Legal + survey (£)
Leasehold flat — £1,500 legal + £500 survey
Mortgage fees (£)
2% product fee on £78,750 loan + £1,000 booking fee
Rent by the room feasibilityMin 3 beds for C4 routeBelow threshold
Comparables
sold within 0.5 mi
Med · CV 10.6%Med confidence
Loading nearby sold…
Location & transport
Score 100/100
Loading map…
PropertySchoolsUniversitiesStationsArticle 4
Transport detail not loaded for this property.
Tax & exit
Ltd Co
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£1,024
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£5,579
Acquisition costs
£47K
25% deposit£26,250
Stamp duty£5,250
Refurb£11,362
Legal + survey£2,000
Mortgage + broker£2,575
Cash needed£47,437
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
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Description& agent copyRightmove
2-Bedroom Apartment for Sale – Property 15, St. Marks Court, Newcastle upon Tyne, NE5 4AZ
Asking Price: £105,000
A well-presented two-bedroom apartment situated at St. Marks Court, Newcastle upon Tyne, NE5 4AZ, offering an excellent opportunity for first-time buyers, downsizers or investors.
The property provides comfortable and practical accommodation, comprising two bedrooms, a spacious living area, a fitted kitchen and a bathroom. The apartment offers a great opportunit…