Broadsheath Terrace, Southwick, Sunderland
Property · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 19.6% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £79,950
- 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 | £249 |
| ICR (actual) | 2.55x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £79,950 |
| Deposit (25% — 75% LTV) | £19,987 |
| SDLT (additional property, 5% surcharge) | £3,998 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £26,984 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £79,950 | Loan (75% LTV) | £59,962 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £275 |
| Rent needed (1.5×) | £412/mo | Estimated rent | £635/mo |
| Stress ratio | 2.31× (need ≥ 1.5×) +£223 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 | £86,097 | +£6,147 | £22,588 | +£2,601 (3.3%) |
| 5 years | £90,456 | +£10,506 | £25,835 | +£5,848 (7.3%) |
| 7 years | £95,035 | +£15,085 | £29,247 | +£9,259 (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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📈 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 | £7,619 | £82,348 | £5,041 | £2,043 | £4,441 | 15.8% |
| Yr 3 | £8,005 | £87,364 | £5,319 | £6,543 | £13,957 | 49.7% |
| Yr 5 | £8,410 | £92,684 | £5,610 | £11,620 | £24,354 | 86.7% |
| Yr 10 | £9,515 | £107,446 | £6,406 | £27,029 | £54,525 | 194.1% |
| Yr 15 | £10,766 | £124,559 | £7,306 | £46,725 | £91,334 | 325.2% |
| Yr 20 | £12,180 | £144,399 | £8,325 | £71,272 | £135,720 | 483.2% |
| Yr 25 | £13,781 | £167,398 | £9,477 | £101,306 | £188,754 | 672.1% |
| Yr 30 | £15,592 | £194,060 | £10,781 | £137,550 | £251,659 | 896.0% |
ROI on Total Cash Invested (deposit + SDLT + acquisition costs). Assumes IO mortgage, no tax, no refinancing. Actual returns will vary.
🌎 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 | 8.1% | 4.7% | £-11 | -5.5% |
| Conservative | £591 | 8.9% | 5.6% | £101 | 4.5% |
| Base | £635 | 9.5% | 6.3% | £170 | 8.7% |
| Optimistic | £686 | 10.3% | 7.1% | £246 | 13.5% |
| Bull | £749 | 11.2% | 8.0% | £333 | 19.6% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.53% |
| Net Yield | ●6.31% |
| Net Annual Income | £5,041 |
| Deductions: void 8% (−£610) · mgmt 10% (−£762) · maint 10% (−£762) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £249 |
| Monthly Cashflow (IO) | ●£171 |
| Cash-on-Cash Return | ●7.27% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,998 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,998 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,328 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,684 |
| Less: Purchase Price | −£79,950 |
| Less: Buying Costs (SDLT + legal) | −£6,598 |
| Less: Selling Costs (est. 2.5%) | −£2,317 |
| = CGT Net Gain (5yr) | £3,819 |
| CGT at 24% | £197 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £540 | 8.1% | 4.7% | £-11 | -5.5% |
| Conservative | £591 | 8.9% | 5.6% | £101 | 4.5% |
| Base | £635 | 9.5% | 6.3% | £170 | 8.7% |
| Optimistic | £686 | 10.3% | 7.1% | £246 | 13.5% |
| Bull | £749 | 11.2% | 8.0% | £333 | 19.6% |