🔒 Sign in to view the address — Sunderland
Semi-Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 50% 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
- £105,000
- 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 | £9,082 | £108,150 | £6,094 | £2,157 | £5,307 | 14.9% |
| Yr 3 | £9,542 | £114,736 | £6,425 | £6,965 | £16,702 | 46.9% |
| Yr 5 | £10,025 | £121,724 | £6,773 | £12,461 | £29,185 | 82.0% |
| Yr 10 | £11,343 | £141,111 | £7,722 | £29,438 | £65,550 | 184.1% |
| Yr 15 | £12,833 | £163,587 | £8,795 | £51,527 | £110,113 | 309.3% |
| Yr 20 | £14,520 | £189,642 | £10,009 | £79,397 | £164,038 | 460.8% |
| Yr 25 | £16,428 | £219,847 | £11,383 | £113,809 | £228,655 | 642.3% |
| Yr 30 | £18,586 | £254,863 | £12,937 | £155,622 | £305,485 | 858.1% |
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 | 7.4% | 4.4% | £-45 | -6.5% |
| Conservative | £704 | 8.0% | 5.2% | £95 | 3.7% |
| Base | £757 | 8.7% | 5.8% | £180 | 8.0% |
| Optimistic | £818 | 9.3% | 6.5% | £273 | 13.0% |
| Bull | £893 | 10.2% | 7.3% | £379 | 19.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.65% |
| Net Yield | ●5.8% |
| Net Annual Income | £6,095 |
| Deductions: void 8% (−£727) · mgmt 10% (−£908) · maint 10% (−£908) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £327 |
| Monthly Cashflow (IO) | ●£181 |
| Cash-on-Cash Return | ●6.06% |
| 5-Year IRR | ●8.0% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £5,250 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £5,250 |
| Section 24 Extra Tax/yr (higher rate) | £788 |
| SPV Annual Saving | £1,580 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £121,724 |
| Less: Purchase Price | −£105,000 |
| Less: Buying Costs (SDLT + legal) | −£7,850 |
| Less: Selling Costs (est. 2.5%) | −£3,043 |
| = CGT Net Gain (5yr) | £5,831 |
| CGT at 24% | £679 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 7.4% | 4.4% | £-45 | -6.5% |
| Conservative | £704 | 8.0% | 5.2% | £95 | 3.7% |
| Base | £757 | 8.7% | 5.8% | £180 | 8.0% |
| Optimistic | £818 | 9.3% | 6.5% | £273 | 13.0% |
| Bull | £893 | 10.2% | 7.3% | £379 | 19.3% |
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