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Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 32% below the area median — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 6/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £1,550 |
| Bathroom | £1,150 |
| Living Room | £650 |
| Hallway / Stairs | £250 |
| Master Bedroom | £500 |
| Bedroom 2 | £500 |
| Bedroom 3 | £500 |
| Total Estimated Refurb | £4,250 |
⚠ 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 in Sunderland, House Extensions in Sunderland | 07482796053 | — |
| decorator | Painter and Decorator Sunderland | SR1 SR2 SR3 | 01917436008 | — |
| photographer | Brenden Ward Photography | Professional photographer | 07717207447 | — |
Property Details
- Asking Price
- £110,000
- Property Type
- Semi-Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 1,100–1,200 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 | £9,086 | £113,300 | £6,097 | £1,972 | £5,272 | 14.2% |
| Yr 3 | £9,546 | £120,200 | £6,428 | £6,410 | £16,610 | 44.8% |
| Yr 5 | £10,029 | £127,520 | £6,776 | £11,536 | £29,057 | 78.3% |
| Yr 10 | £11,347 | £147,831 | £7,725 | £27,592 | £65,422 | 176.3% |
| Yr 15 | £12,838 | £171,376 | £8,799 | £48,759 | £110,136 | 296.9% |
| Yr 20 | £14,525 | £198,672 | £10,013 | £75,711 | £164,383 | 443.1% |
| Yr 25 | £16,434 | £230,316 | £11,388 | £109,207 | £229,523 | 618.7% |
| Yr 30 | £18,594 | £266,999 | £12,942 | £150,108 | £307,107 | 827.8% |
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 | £643 | 7.0% | 4.2% | £-66 | -7.4% |
| Conservative | £704 | 7.7% | 5.0% | £78 | 3.0% |
| Base | £757 | 8.3% | 5.5% | £164 | 7.4% |
| Optimistic | £818 | 8.9% | 6.2% | £259 | 12.4% |
| Bull | £893 | 9.7% | 7.0% | £367 | 18.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.26% |
| Net Yield | ●5.54% |
| Net Annual Income | £6,095 |
| Deductions: void 8% (−£727) · mgmt 10% (−£909) · maint 10% (−£909) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £343 |
| Monthly Cashflow (IO) | ●£165 |
| Cash-on-Cash Return | ●5.31% |
| 5-Year IRR | ●7.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,500 |
| Section 24 Extra Tax/yr (higher rate) | £825 |
| SPV Annual Saving | £1,590 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £127,520 |
| Less: Purchase Price | −£110,000 |
| Less: Buying Costs (SDLT + legal) | −£8,100 |
| Less: Selling Costs (est. 2.5%) | −£3,188 |
| = CGT Net Gain (5yr) | £6,232 |
| CGT at 24% | £776 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 7.0% | 4.2% | £-66 | -7.4% |
| Conservative | £704 | 7.7% | 5.0% | £78 | 3.0% |
| Base | £757 | 8.3% | 5.5% | £164 | 7.4% |
| Optimistic | £818 | 8.9% | 6.2% | £259 | 12.4% |
| Bull | £893 | 9.7% | 7.0% | £367 | 18.8% |
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