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Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 7% above the area median. Offers anchored to area median of £93,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
Estimated (no AI photo score yet) · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £3,200 |
| Bathroom | £2,300 |
| Living Room | £1,400 |
| Hallway / Stairs | £500 |
| Master Bedroom | £1,050 |
| Bedroom 2 | £1,050 |
| Bedroom 3 | £1,050 |
| Total Estimated Refurb | £10,200 |
⚠ 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
- £99,950
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 700–800 sqft (est.)
- 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 | £9,085 | £102,948 | £6,097 | £2,348 | £5,347 | 15.7% |
| Yr 3 | £9,545 | £109,218 | £6,428 | £7,540 | £16,808 | 49.3% |
| Yr 5 | £10,029 | £115,869 | £6,776 | £13,419 | £29,338 | 86.1% |
| Yr 10 | £11,346 | £134,324 | £7,724 | £31,356 | £65,730 | 192.8% |
| Yr 15 | £12,838 | £155,719 | £8,798 | £54,405 | £110,174 | 323.2% |
| Yr 20 | £14,524 | £180,521 | £10,013 | £83,239 | £163,809 | 480.6% |
| Yr 25 | £16,433 | £209,273 | £11,387 | £118,616 | £227,939 | 668.7% |
| Yr 30 | £18,593 | £242,605 | £12,942 | £161,397 | £304,052 | 892.0% |
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)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
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● 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 | 7.7% | 4.6% | £-25 | -5.6% |
| Conservative | £704 | 8.5% | 5.5% | £112 | 4.4% |
| Base | £757 | 9.1% | 6.1% | £196 | 8.7% |
| Optimistic | £818 | 9.8% | 6.8% | £287 | 13.6% |
| Bull | £893 | 10.7% | 7.7% | £392 | 19.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●9.09% |
| Net Yield | ●6.1% |
| Net Annual Income | £6,095 |
| Deductions: void 8% (−£727) · mgmt 10% (−£909) · maint 10% (−£909) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£196 |
| Cash-on-Cash Return | ●6.89% |
| 5-Year IRR | ●8.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,998 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,998 |
| Section 24 Extra Tax/yr (higher rate) | £750 |
| SPV Annual Saving | £1,570 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £115,869 |
| Less: Purchase Price | −£99,950 |
| Less: Buying Costs (SDLT + legal) | −£7,598 |
| Less: Selling Costs (est. 2.5%) | −£2,897 |
| = CGT Net Gain (5yr) | £5,424 |
| CGT at 24% | £582 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 7.7% | 4.6% | £-25 | -5.6% |
| Conservative | £704 | 8.5% | 5.5% | £112 | 4.4% |
| Base | £757 | 9.1% | 6.1% | £196 | 8.7% |
| Optimistic | £818 | 9.8% | 6.8% | £287 | 13.6% |
| Bull | £893 | 10.7% | 7.7% | £392 | 19.9% |
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