Lumley Street, Sunderland
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £95,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 958 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 154 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £296 |
| ICR (actual) | 3.6x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £95,000 |
| Deposit (25% — 75% LTV) | £23,750 |
| SDLT (additional property, 5% surcharge) | £4,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £31,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £95,000 | Loan (75% LTV) | £71,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £327 |
| Rent needed (1.5×) | £490/mo | Estimated rent | £1,066/mo |
| Stress ratio | 3.26× (need ≥ 1.5×) +£576 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 | £102,305 | +£7,305 | £26,987 | +£3,237 (3.4%) |
| 5 years | £107,484 | +£12,484 | £30,845 | +£7,095 (7.5%) |
| 7 years | £112,925 | +£17,925 | £34,899 | +£11,149 (11.7%) |
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 7
⚠️ Only 2 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 18, CHEPSTOW STREET, SR4 7EL | Terraced | 1 | £39,999 | £74 | 12/03/26 | < 0.1 mi |
| 33, NORA STREET, SR4 7QW | Terraced | 1 | £64,000 | £101 | 09/03/26 | 0.67 mi |
| 3, CLEVELAND ROAD, SR4 7JS | Terraced | 4 | £72,000 | £57 | 27/02/26 | 0.22 mi |
| 35, BEXLEY STREET, SR4 7TL | Terraced | 3 | £124,950 | £116 | 16/02/26 | 0.46 mi |
| 3, MATAMBA TERRACE, SR4 7AZ | Terraced | 2 | £132,000 | £178 | 13/02/26 | 0.20 mi |
| 9, TINTERN STREET, SR4 7EJ | Terraced | 1 | £55,000 | £111 | 12/02/26 | 0.11 mi |
| 35, VALE STREET, SR4 7NB | Terraced | 4 | £127,000 | £98 | 11/02/26 | 0.21 mi |
| 192, CLEVELAND ROAD, SR4 7QR | Terraced | 5 | £180,000 | £63 | 06/02/26 | 0.64 mi |
| 32, SORLEY STREET, SR4 7UU | Terraced | 3 | £115,000 | £126 | 06/02/26 | 0.23 mi |
| 13, BEXLEY STREET, SR4 7TL | Terraced | 1 | £120,000 | £191 | 02/02/26 | 0.46 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 = 40.1% (threshold: 40%). Comparable prices in SR4 7 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 | £12,796 | £97,850 | £8,768 | £5,206 | £8,056 | 24.7% |
| Yr 3 | £13,444 | £103,809 | £9,235 | £16,315 | £25,124 | 77.1% |
| Yr 5 | £14,125 | £110,131 | £9,725 | £28,392 | £43,523 | 133.5% |
| Yr 10 | £15,981 | £127,672 | £11,061 | £63,147 | £95,819 | 293.9% |
| Yr 15 | £18,081 | £148,007 | £12,573 | £105,103 | £158,110 | 485.0% |
| Yr 20 | £20,457 | £171,581 | £14,284 | £155,205 | £231,786 | 711.0% |
| Yr 25 | £23,145 | £198,909 | £16,220 | £214,524 | £318,433 | 976.8% |
| Yr 30 | £26,187 | £230,590 | £18,410 | £284,272 | £419,862 | 1287.9% |
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 7 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £906 | 11.4% | 7.0% | £166 | 5.2% |
| Conservative | £991 | 12.5% | 8.3% | £330 | 13.7% |
| Base | £1,066 | 13.5% | 9.2% | £434 | 17.4% |
| Optimistic | £1,151 | 14.5% | 10.3% | £548 | 21.8% |
| Bull | £1,258 | 15.9% | 11.6% | £681 | 27.3% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.47% |
| Net Yield | ●9.23% |
| Net Annual Income | £8,765 |
| Deductions: void 8% (−£1,024) · mgmt 10% (−£1,280) · maint 10% (−£1,280) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £296 |
| Monthly Cashflow (IO) | ●£434 |
| Cash-on-Cash Return | ●15.96% |
| 5-Year IRR | ●17.4% |
● 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 | £2,080 |
| 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 | £906 | 11.4% | 7.0% | £166 | 5.2% |
| Conservative | £991 | 12.5% | 8.3% | £330 | 13.7% |
| Base | £1,066 | 13.5% | 9.2% | £434 | 17.4% |
| Optimistic | £1,151 | 14.5% | 10.3% | £548 | 21.8% |
| Bull | £1,258 | 15.9% | 11.6% | £681 | 27.3% |