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Mafeking Street, Pallion, Sunderland

Rightmove Sector: SR4 7

                    £79,950
                

asking price

vs Benchmark

-37%

below Sector Median

Est. £/sqft

£85

benchmark £126/sqft

Investment Score

9.5/10

strong opportunity

Days on Market

days listed

Suggested Offer Range

Low offer

£75,952

£3,998 below asking

Target offer

£77,552

£2,398 below asking

High offer

£79,950

At asking price

⚠ Offers Over listing — vendor expects full asking price or above. The offer range shown is for context only; submitting below asking is likely to be rejected.

Already 27.1% below the comparable sales mean — limited negotiation margin. Strong value at current asking price. Note: listed as "Offers Over" — vendor expects full asking price or above.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £79,950
Property Type: Property
Bedrooms: 3
Bathrooms: N/A
Est. Floor Area: 936 sqft (est.)
Article 4 Area: ✓ No restriction — SA permitted under PD rights

-37.0% vs Sector Median (n=227 sales)

This listing is priced below the postcode sector benchmark.

Motivated Seller Analysis

Standard — 2/10

Behavioural signals: Below market value

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£249
ICR (actual)	3.04x
Feasibility	PASS
💲 Total Cash Required
Purchase Price	£79,950
Deposit (25% — 75% LTV)	£19,987
SDLT (additional property, 5% surcharge)	£3,998
Legal fees (est.)	£1,500
Survey (est.)	£500
Arrangement fee (est.)	£999
Total cash required	£26,984

Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.

🔄 BRR Refinance Stress Test

✓ Passes stress test Rent covers 2.8x monthly interest — lender likely to approve.

Purchase price	£79,950	Loan (75% LTV)	£59,962
Rate (IO)	5.5% p.a.	Monthly interest	£275
Rent needed (1.5×)	£412/mo	Estimated rent	£757/mo
Stress ratio	2.75× (need ≥ 1.5×) +£345 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.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

✓ Viable

SA gross/mo	£1,846
SA net/mo	£1,474
BTL est./mo	£757
SA vs BTL uplift	+£1,089/mo

Hold Period	Est. Sale Price	Capital Gain	Net Proceeds	Total Return
3 years	£86,097	+£6,147	£22,588	+£2,601 (3.3%)
5 years	£90,456	+£10,506	£25,835	+£5,848 (7.3%)
7 years	£95,035	+£15,085	£29,247	+£9,259 (11.6%)

Break-even Horizon

62 months

Long-term (5+ years)

Flip Viability

Viable

Comp median: £124,950 — margin: +£45,000

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

Subject property Planning applications

Comparable Sales in SR4 7

Address	Type	Beds	Price	£/sqft	Date	Distance
18, CHEPSTOW STREET, SR4 7EL	Terraced	1	£39,999	£74	12/03/26	0.67 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	0.59 mi
71, MOUNT ROAD, SR4 7QF	Semi	4	£187,000	£129	17/02/26	0.72 mi
35, BEXLEY STREET, SR4 7TL	Terraced	3	£124,950	£116	16/02/26	0.24 mi
3, MATAMBA TERRACE, SR4 7AZ	Terraced	2	£132,000	£178	13/02/26	0.67 mi
9, TINTERN STREET, SR4 7EJ	Terraced	1	£55,000	£111	12/02/26	0.68 mi
35, VALE STREET, SR4 7NB	Terraced	4	£127,000	£98	11/02/26	0.73 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	0.37 mi

■ Above subject ■ Below subject

Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)

⚠ Low Confidence Valuation — Wide Price Variance
CV = 44.0% (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.

10-Year Projection

Break-even: Year 1 5yr IRR: 12.3%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£9,082	£82,348	£6,094	£3,096	£5,495	19.6%
Yr 3	£9,542	£87,364	£6,425	£9,783	£17,196	61.2%
Yr 5	£10,025	£92,684	£6,773	£17,157	£29,891	106.4%
Yr 10	£11,343	£107,446	£7,722	£38,831	£66,327	236.2%
Yr 15	£12,833	£124,559	£8,795	£65,615	£110,224	392.5%
Yr 20	£14,519	£144,399	£10,009	£98,181	£162,630	579.1%
Yr 25	£16,427	£167,398	£11,383	£137,289	£224,736	800.2%
Yr 30	£18,586	£194,060	£12,937	£183,798	£297,908	1060.7%

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)

● 26/00309/FUL 0.16 mi

Erection of new detached garage in the rear garden. Garage to have gable and rear frontage. Garage door to front with re

53 Midmoor Road Sunderland SR4 6NS

Permitted

● 26/00545/FUL 0.41 mi

Erection of single storey side extension

122 Westmoor Road Sunderland SR4 0AG

Permitted

● 26/00605/PCZ 0.42 mi

Installation of Solar PV panels to roof.

Buzz Bingo Pallion New Road Sunderland SR4 6QE

Permitted

● 26/00758/LB3 0.48 mi

Provide insulation and improve strength of existing roof, reinstate the original stained glass, remove modern concrete f

Chapel Bishopwearmouth Cemetery Chester Road Sunderland SR4 7RS

Permitted

● 25/02924/FUL 0.49 mi

Change of use to, mix use Sui Generis for MOT testing/ servicing and vehicle repairs (Part Retrospective).

Thirkells Garages Old Rock Top Yard Pallion New Road Sunderland SR4 6UA

Permitted

View all planning applications on your dashboard →

● Approved ● Pending ● Refused

🌎 Area Profile — SR4 7 ⓘ What are deciles?

IMD (Overall)

                3/10
            

High deprivation

Crime

                7/10
            

Low deprivation

Income

                5/10
            

Mid deprivation

Employment

                3/10
            

High deprivation

Education

                5/10
            

Mid deprivation

Housing Barriers

                10/10
            

Low deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

7.6%

Gross:11.4%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 1/10

SDLT (Additional)

£3,998

5.0% effective rate · Company: £3,998

Void Risk

High

~6 weeks/year

Statistical CI (65%)

£93,822 –£125,568

vs Comparable Mean:-27.1%· n=10

Best Strategy

Serviced Accommodation

£1,225/mo

📊 SR4 market data →

SPV Tax Saving

£1,533/yr

Breakeven: — years

5-Year IRR

12.3%

IRR — Strong

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£643	9.7%	5.7%	£56	-0.9%
Conservative	£704	10.6%	6.8%	£181	8.3%
Base	£757	11.4%	7.6%	£258	12.3%
Optimistic	£818	12.3%	8.5%	£343	16.9%
Bull	£893	13.4%	9.6%	£442	22.7%

Detailed Analysis

💸 Yield & Returns

Gross Yield	●11.36%
Net Yield	●7.62%
Net Annual Income	£6,095
Deductions: void 8% (−£727) · mgmt 10% (−£908) · maint 10% (−£908) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage	£249
Monthly Cashflow (IO)	●£259
Cash-on-Cash Return	●11.03%
5-Year IRR	●12.3%

● Above benchmark ● Near benchmark ● Below benchmark

💰 Tax Analysis

SDLT (Additional Property)	£3,998
SDLT Effective Rate	5.0%
SDLT (Company)	£3,998
Section 24 Extra Tax/yr (higher rate)	£600
SPV Annual Saving	£1,533
SPV Breakeven	— yrs
CGT Projected Sale (5yr)	£92,684
Less: Purchase Price	−£79,950
Less: Buying Costs (SDLT + legal)	−£6,598
Less: Selling Costs (est. 2.5%)	−£2,317
= CGT Net Gain (5yr)	£3,819
CGT at 24%	£197

📈 Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£643	9.7%	5.7%	£56	-0.9%
Conservative	£704	10.6%	6.8%	£181	8.3%
Base	£757	11.4%	7.6%	£258	12.3%
Optimistic	£818	12.3%	8.5%	£343	16.9%
Bull	£893	13.4%	9.6%	£442	22.7%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

Mafeking Street, Pallion, Sunderland