Broadsheath Terrace, Sunderland
Property · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £85,000
- Property Type
- Property
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 764 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £265 |
| ICR (actual) | 2.4x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £85,000 |
| Deposit (25% — 75% LTV) | £21,250 |
| SDLT (additional property, 5% surcharge) | £4,250 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £28,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £85,000 | Loan (75% LTV) | £63,750 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £292 |
| Rent needed (1.5×) | £438/mo | Estimated rent | £635/mo |
| Stress ratio | 2.17× (need ≥ 1.5×) +£197 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £1,013 |
| SA net/mo | £741 |
| BTL est./mo | £635 |
| SA vs BTL uplift | +£378/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £91,536 | +£6,536 | £24,064 | +£2,814 (3.3%) |
| 5 years | £96,170 | +£11,170 | £27,516 | +£6,266 (7.4%) |
| 7 years | £101,038 | +£16,038 | £31,144 | +£9,894 (11.6%) |
Projections: 2.5% pa HPI, 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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Location
Comparable Sales in SR5 5
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 49, WOOLWICH ROAD, SR5 5SH | Semi | 2 | £87,000 | £106 | 10/03/26 | 0.77 mi |
| 5, ROTHERFIELD SQUARE, SR5 5DQ | Semi | 2 | £90,000 | £131 | 25/02/26 | 1.04 mi |
| 61, RUNNYMEDE ROAD, SR5 5QD | Terraced | 2 | £60,500 | £94 | 09/02/26 | 0.72 mi |
| 49, WOOLWICH ROAD, SR5 5SH | Semi | 2 | £85,000 | £104 | 06/02/26 | 0.77 mi |
| 63, RUNNYMEDE ROAD, SR5 5QD | Terraced | 2 | £93,000 | £114 | 30/01/26 | 0.72 mi |
| 6, ROCKINGHAM SQUARE, SR5 5HX | Semi | 2 | £140,000 | £200 | 23/01/26 | 1.14 mi |
| 47, RAVENNA ROAD, SR5 5ED | Semi | 2 | £102,000 | £150 | 23/01/26 | 1.29 mi |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
📈 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 | £7,616 | £87,550 | £5,039 | £1,851 | £4,401 | 14.9% |
| Yr 3 | £8,002 | £92,882 | £5,316 | £5,968 | £13,850 | 46.8% |
| Yr 5 | £8,407 | £98,538 | £5,608 | £10,661 | £24,199 | 81.8% |
| Yr 10 | £9,511 | £114,233 | £6,403 | £25,109 | £54,342 | 183.6% |
| Yr 15 | £10,761 | £132,427 | £7,303 | £43,843 | £91,270 | 308.3% |
| Yr 20 | £12,175 | £153,519 | £8,321 | £67,425 | £135,944 | 459.3% |
| Yr 25 | £13,775 | £177,971 | £9,473 | £96,492 | £189,463 | 640.1% |
| Yr 30 | £15,585 | £206,317 | £10,777 | £131,766 | £253,084 | 855.0% |
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)
🌎 Area Profile — SR5 5 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £540 | 7.6% | 4.4% | £-32 | -6.6% |
| Conservative | £591 | 8.3% | 5.3% | £84 | 3.5% |
| Base | £635 | 9.0% | 5.9% | £154 | 7.8% |
| Optimistic | £686 | 9.7% | 6.6% | £231 | 12.7% |
| Bull | £749 | 10.6% | 7.5% | £320 | 18.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.96% |
| Net Yield | ●5.93% |
| Net Annual Income | £5,041 |
| Deductions: void 8% (−£609) · mgmt 10% (−£762) · maint 10% (−£762) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £265 |
| Monthly Cashflow (IO) | ●£155 |
| Cash-on-Cash Return | ●6.26% |
| 5-Year IRR | ●7.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,250 |
| Section 24 Extra Tax/yr (higher rate) | £638 |
| SPV Annual Saving | £1,338 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £98,538 |
| Less: Purchase Price | −£85,000 |
| Less: Buying Costs (SDLT + legal) | −£6,850 |
| Less: Selling Costs (est. 2.5%) | −£2,463 |
| = CGT Net Gain (5yr) | £4,225 |
| CGT at 24% | £294 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £540 | 7.6% | 4.4% | £-32 | -6.6% |
| Conservative | £591 | 8.3% | 5.3% | £84 | 3.5% |
| Base | £635 | 9.0% | 5.9% | £154 | 7.8% |
| Optimistic | £686 | 9.7% | 6.6% | £231 | 12.7% |
| Bull | £749 | 10.6% | 7.5% | £320 | 18.9% |