🔒 Sign in to view the address — Sunderland
Terraced · 2 bed
Supports major UK property portals
Suggested Offer Range
Close to area median. Standard 3–10% negotiation range. 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
- £92,000
- 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 | £7,618 | £94,760 | £5,040 | £1,590 | £4,350 | 13.7% |
| Yr 3 | £8,003 | £100,531 | £5,317 | £5,184 | £13,715 | 43.3% |
| Yr 5 | £8,408 | £106,653 | £5,609 | £9,354 | £24,007 | 75.7% |
| Yr 10 | £9,513 | £123,640 | £6,405 | £22,497 | £54,137 | 170.8% |
| Yr 15 | £10,763 | £143,333 | £7,305 | £39,926 | £91,259 | 287.9% |
| Yr 20 | £12,178 | £166,162 | £8,323 | £62,204 | £136,366 | 430.2% |
| Yr 25 | £13,778 | £192,628 | £9,475 | £89,969 | £190,597 | 601.3% |
| Yr 30 | £15,589 | £223,308 | £10,779 | £123,942 | £255,250 | 805.2% |
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 | 7.0% | 4.1% | £-60 | -8.0% |
| Conservative | £591 | 7.7% | 4.9% | £60 | 2.4% |
| Base | £635 | 8.3% | 5.5% | £133 | 6.8% |
| Optimistic | £686 | 8.9% | 6.1% | £212 | 11.8% |
| Bull | £749 | 9.8% | 6.9% | £302 | 18.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.28% |
| Net Yield | ●5.48% |
| Net Annual Income | £5,041 |
| Deductions: void 8% (−£609) · mgmt 10% (−£762) · maint 10% (−£762) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £287 |
| Monthly Cashflow (IO) | ●£133 |
| Cash-on-Cash Return | ●5.02% |
| 5-Year IRR | ●6.8% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,600 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,600 |
| Section 24 Extra Tax/yr (higher rate) | £690 |
| SPV Annual Saving | £1,350 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £106,653 |
| Less: Purchase Price | −£92,000 |
| Less: Buying Costs (SDLT + legal) | −£7,200 |
| Less: Selling Costs (est. 2.5%) | −£2,666 |
| = CGT Net Gain (5yr) | £4,787 |
| CGT at 24% | £429 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £540 | 7.0% | 4.1% | £-60 | -8.0% |
| Conservative | £591 | 7.7% | 4.9% | £60 | 2.4% |
| Base | £635 | 8.3% | 5.5% | £133 | 6.8% |
| Optimistic | £686 | 8.9% | 6.1% | £212 | 11.8% |
| Bull | £749 | 9.8% | 6.9% | £302 | 18.1% |
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