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Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 10% below the area median — some negotiation possible but limited margin. 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 | £1,600 |
| Bedroom 2 | £1,600 |
| 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
- £95,000
- Property Type
- Terraced
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 700–800 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 | £7,619 | £97,850 | £5,041 | £1,478 | £4,328 | 13.3% |
| Yr 3 | £8,005 | £103,809 | £5,318 | £4,849 | £13,658 | 41.9% |
| Yr 5 | £8,410 | £110,131 | £5,610 | £8,797 | £23,928 | 73.4% |
| Yr 10 | £9,515 | £127,672 | £6,406 | £21,383 | £54,055 | 165.8% |
| Yr 15 | £10,765 | £148,007 | £7,306 | £38,256 | £91,263 | 279.9% |
| Yr 20 | £12,180 | £171,581 | £8,325 | £59,980 | £136,560 | 418.9% |
| Yr 25 | £13,781 | £198,909 | £9,477 | £87,191 | £191,100 | 586.2% |
| Yr 30 | £15,592 | £230,590 | £10,781 | £120,611 | £256,201 | 785.9% |
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 | £540 | 6.8% | 4.0% | £-72 | -8.6% |
| Conservative | £591 | 7.5% | 4.8% | £50 | 1.9% |
| Base | £635 | 8.0% | 5.3% | £123 | 6.4% |
| Optimistic | £686 | 8.7% | 5.9% | £203 | 11.4% |
| Bull | £749 | 9.5% | 6.7% | £295 | 17.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.02% |
| Net Yield | ●5.31% |
| Net Annual Income | £5,041 |
| Deductions: void 8% (−£610) · mgmt 10% (−£762) · maint 10% (−£762) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£124 |
| Cash-on-Cash Return | ●4.54% |
| 5-Year IRR | ●6.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,750 |
| Section 24 Extra Tax/yr (higher rate) | £712 |
| SPV Annual Saving | £1,356 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £110,131 |
| Less: Purchase Price | −£95,000 |
| Less: Buying Costs (SDLT + legal) | −£7,350 |
| Less: Selling Costs (est. 2.5%) | −£2,753 |
| = CGT Net Gain (5yr) | £5,028 |
| CGT at 24% | £487 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £540 | 6.8% | 4.0% | £-72 | -8.6% |
| Conservative | £591 | 7.5% | 4.8% | £50 | 1.9% |
| Base | £635 | 8.0% | 5.3% | £123 | 6.4% |
| Optimistic | £686 | 8.7% | 5.9% | £203 | 11.4% |
| Bull | £749 | 9.5% | 6.7% | £295 | 17.8% |
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