Duncan Street, Sunderland, Tyne and Wear, SR4 6QR, SR4 6QR
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £99,950
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 759 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
Motivated Seller Analysis
Standard — 1/10Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £312 |
| ICR (actual) | 3.42x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £99,950 |
| Deposit (25% — 75% LTV) | £24,987 |
| SDLT (additional property, 5% surcharge) | £4,998 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £32,984 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £99,950 | Loan (75% LTV) | £74,962 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £344 |
| Rent needed (1.5×) | £515/mo | Estimated rent | £1,066/mo |
| Stress ratio | 3.1× (need ≥ 1.5×) +£551 surplus | ||
Assumptions: 75% LTV · 5.5% interest only · 1.5× rent coverage (standard lender requirement). Actual lender criteria vary — verify with your broker.
Exit Strategy
Capital appreciation projections at 2.5% pa (local Land Registry HPI). Assumes 75% LTV interest-only mortgage redeemed on sale. Excludes rental income.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £2,407 |
| SA net/mo | £1,968 |
| BTL est./mo | £1,066 |
| SA vs BTL uplift | +£1,341/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £107,635 | +£7,685 | £28,434 | +£3,446 (3.4%) |
| 5 years | £113,084 | +£13,134 | £32,493 | +£7,506 (7.5%) |
| 7 years | £118,809 | +£18,859 | £36,758 | +£11,771 (11.8%) |
Projections: 2.5% pa HPI, 75% LTV IO mortgage redeemed at sale, 1.5% EA, £1,500 legal, 24% CGT above £3k allowance. Not financial advice.
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Location
Comparable Sales in SR4 6
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 42, ST CUTHBERTS TERRACE, SR4 6BS | Terraced | 2 | £67,000 | £99 | 10/03/26 | 0.53 mi |
| 24, CROMWELL STREET, SR4 6EU | Terraced | 1 | £111,500 | £176 | 06/03/26 | 0.39 mi |
| 16, ROMFORD STREET, SR4 6LX | Terraced | 2 | £82,500 | £100 | 26/02/26 | 0.23 mi |
| 3, HOPKINS COURT, SR4 6PX | Terraced | 2 | £167,000 | £225 | 16/02/26 | 0.16 mi |
| 26, GREENER ROAD, SR4 6EQ | Terraced | 3 | £140,000 | £149 | 13/02/26 | 0.42 mi |
| 63, DENE STREET, SR4 6JB | Terraced | 2 | £50,000 | £73 | 12/02/26 | < 0.1 mi |
| 5, MORTIMER STREET, SR4 6RA | Terraced | 1 | £64,000 | £108 | 10/02/26 | 0.12 mi |
| 6, EAST MOOR ROAD, SR4 6QW | Terraced | 1 | £55,000 | £93 | 06/02/26 | < 0.1 mi |
| 33, CORNING ROAD, SR4 6EE | Terraced | 2 | £165,000 | £185 | 06/02/26 | 0.44 mi |
| 12, FLORIDA STREET, SR4 6TE | Terraced | 2 | £60,000 | £86 | 06/02/26 | 0.20 mi |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 45.5% (threshold: 40%). Comparable prices in SR4 6 vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ Bedroom counts are not available from Land Registry records. Comparables are matched by postcode sector and property type only.
📈 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 | £12,794 | £102,948 | £8,766 | £5,018 | £8,017 | 23.5% |
| Yr 3 | £13,441 | £109,218 | £9,233 | £15,751 | £25,019 | 73.4% |
| Yr 5 | £14,122 | £115,869 | £9,723 | £27,452 | £43,372 | 127.2% |
| Yr 10 | £15,977 | £134,324 | £11,059 | £61,267 | £95,642 | 280.6% |
| Yr 15 | £18,077 | £155,719 | £12,570 | £102,281 | £158,050 | 463.7% |
| Yr 20 | £20,452 | £180,521 | £14,281 | £151,439 | £232,010 | 680.7% |
| Yr 25 | £23,140 | £209,273 | £16,216 | £209,812 | £319,136 | 936.3% |
| Yr 30 | £26,181 | £242,605 | £18,405 | £278,611 | £421,266 | 1235.9% |
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)
🌎 Area Profile — SR4 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £906 | 10.9% | 6.6% | £146 | 3.8% |
| Conservative | £991 | 11.9% | 7.9% | £313 | 12.5% |
| Base | £1,066 | 12.8% | 8.8% | £418 | 16.3% |
| Optimistic | £1,151 | 13.8% | 9.8% | £534 | 20.7% |
| Bull | £1,258 | 15.1% | 11.0% | £669 | 26.4% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.8% |
| Net Yield | ●8.77% |
| Net Annual Income | £8,765 |
| Deductions: void 8% (−£1,023) · mgmt 10% (−£1,279) · maint 10% (−£1,279) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £312 |
| Monthly Cashflow (IO) | ●£418 |
| Cash-on-Cash Return | ●14.72% |
| 5-Year IRR | ●16.3% |
● 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 | £2,090 |
| 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 | £906 | 10.9% | 6.6% | £146 | 3.8% |
| Conservative | £991 | 11.9% | 7.9% | £313 | 12.5% |
| Base | £1,066 | 12.8% | 8.8% | £418 | 16.3% |
| Optimistic | £1,151 | 13.8% | 9.8% | £534 | 20.7% |
| Bull | £1,258 | 15.1% | 11.0% | £669 | 26.4% |