Ancona Street, Sunderland SR4 6TJ, SR4 6TJ
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 22.0% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £75,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 744 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £234 |
| ICR (actual) | 3.24x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £75,000 |
| Deposit (25% — 75% LTV) | £18,750 |
| SDLT (additional property, 5% surcharge) | £3,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £25,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £75,000 | Loan (75% LTV) | £56,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £258 |
| Rent needed (1.5×) | £387/mo | Estimated rent | £757/mo |
| Stress ratio | 2.94× (need ≥ 1.5×) +£370 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 | £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 | £80,767 | +£5,767 | £21,141 | +£2,391 (3.2%) |
| 5 years | £84,856 | +£9,856 | £24,187 | +£5,437 (7.2%) |
| 7 years | £89,151 | +£14,151 | £27,388 | +£8,638 (11.5%) |
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
⚠️ Only 1 comparable sale(s) matched 3 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 42, ST CUTHBERTS TERRACE, SR4 6BS | Terraced | 2 | £67,000 | £99 | 10/03/26 | 0.56 mi |
| 24, CROMWELL STREET, SR4 6EU | Terraced | 1 | £111,500 | £176 | 06/03/26 | 0.48 mi |
| 16, ROMFORD STREET, SR4 6LX | Terraced | 2 | £82,500 | £100 | 26/02/26 | 0.37 mi |
| 3, HOPKINS COURT, SR4 6PX | Terraced | 2 | £167,000 | £225 | 16/02/26 | 0.23 mi |
| 26, GREENER ROAD, SR4 6EQ | Terraced | 3 | £140,000 | £149 | 13/02/26 | 0.45 mi |
| 63, DENE STREET, SR4 6JB | Terraced | 2 | £50,000 | £73 | 12/02/26 | 0.24 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 | 0.16 mi |
| 33, CORNING ROAD, SR4 6EE | Terraced | 2 | £165,000 | £185 | 06/02/26 | 0.45 mi |
| 12, FLORIDA STREET, SR4 6TE | Terraced | 2 | £60,000 | £86 | 06/02/26 | < 0.1 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 | £9,082 | £77,250 | £6,094 | £3,282 | £5,532 | 20.8% |
| Yr 3 | £9,542 | £81,955 | £6,425 | £10,340 | £17,295 | 65.0% |
| Yr 5 | £10,025 | £86,946 | £6,773 | £18,086 | £30,031 | 112.9% |
| Yr 10 | £11,343 | £100,794 | £7,722 | £40,688 | £66,482 | 249.9% |
| Yr 15 | £12,833 | £116,848 | £8,795 | £68,402 | £110,249 | 414.5% |
| Yr 20 | £14,520 | £135,458 | £10,009 | £101,897 | £162,355 | 610.4% |
| Yr 25 | £16,428 | £157,033 | £11,383 | £141,934 | £223,967 | 842.0% |
| Yr 30 | £18,586 | £182,045 | £12,937 | £189,372 | £296,417 | 1114.3% |
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 | £643 | 10.3% | 6.1% | £76 | 0.6% |
| Conservative | £704 | 11.3% | 7.3% | £198 | 9.6% |
| Base | £757 | 12.1% | 8.1% | £274 | 13.5% |
| Optimistic | £818 | 13.1% | 9.1% | £357 | 17.9% |
| Bull | £893 | 14.3% | 10.3% | £454 | 23.7% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.11% |
| Net Yield | ●8.13% |
| Net Annual Income | £6,095 |
| Deductions: void 8% (−£727) · mgmt 10% (−£908) · maint 10% (−£908) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £234 |
| Monthly Cashflow (IO) | ●£274 |
| Cash-on-Cash Return | ●12.34% |
| 5-Year IRR | ●13.5% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,750 |
| Section 24 Extra Tax/yr (higher rate) | £562 |
| SPV Annual Saving | £1,523 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £86,946 |
| Less: Purchase Price | −£75,000 |
| Less: Buying Costs (SDLT + legal) | −£6,350 |
| Less: Selling Costs (est. 2.5%) | −£2,174 |
| = CGT Net Gain (5yr) | £3,422 |
| CGT at 24% | £101 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £643 | 10.3% | 6.1% | £76 | 0.6% |
| Conservative | £704 | 11.3% | 7.3% | £198 | 9.6% |
| Base | £757 | 12.1% | 8.1% | £274 | 13.5% |
| Optimistic | £818 | 13.1% | 9.1% | £357 | 17.9% |
| Bull | £893 | 14.3% | 10.3% | £454 | 23.7% |