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Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Asking price is 55% above the area median. Offers anchored to area median of £138,000. Note: listed as "Offers Over" — vendor expects full asking price or above.
🔨 Refurb Cost Estimate
AI condition score: 8/10 · North East rates
| Room | Estimated Refurb Cost |
|---|---|
| Kitchen | £650 |
| Bathroom | £450 |
| Living Room | £300 |
| Hallway / Stairs | £100 |
| Master Bedroom | £150 |
| Bedroom 2 | £150 |
| Bedroom 3 | £150 |
| Bedroom 4 | £150 |
| Total Estimated Refurb | £1,700 |
⚠ 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
- £215,000
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 800–900 sqft (est.)
- 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 | £12,792 | £221,450 | £8,766 | £703 | £7,153 | 10.2% |
| Yr 3 | £13,440 | £234,936 | £9,232 | £2,806 | £22,742 | 32.3% |
| Yr 5 | £14,121 | £249,244 | £9,722 | £5,876 | £40,120 | 57.0% |
| Yr 10 | £15,976 | £288,942 | £11,058 | £18,115 | £92,057 | 130.8% |
| Yr 15 | £18,075 | £334,963 | £12,569 | £37,551 | £157,514 | 223.7% |
| Yr 20 | £20,451 | £388,314 | £14,280 | £65,132 | £238,446 | 338.7% |
| Yr 25 | £23,138 | £450,162 | £16,214 | £101,926 | £337,088 | 478.8% |
| Yr 30 | £26,179 | £521,861 | £18,404 | £149,145 | £456,007 | 647.7% |
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)
5 planning applications found within 0.5 miles — 🔒 sign in for references, descriptions and status
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● 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 | £906 | 5.1% | 3.1% | £-322 | -12.3% |
| Conservative | £991 | 5.5% | 3.7% | £-82 | -1.1% |
| Base | £1,066 | 5.9% | 4.1% | £59 | 3.7% |
| Optimistic | £1,151 | 6.4% | 4.5% | £210 | 9.1% |
| Bull | £1,258 | 7.0% | 5.1% | £381 | 15.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.95% |
| Net Yield | ●4.08% |
| 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 | £671 |
| Monthly Cashflow (IO) | ●£59 |
| Cash-on-Cash Return | ●1.0% |
| 5-Year IRR | ●3.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £12,550 |
| SDLT Effective Rate | 5.84% |
| SDLT (Company) | £12,550 |
| Section 24 Extra Tax/yr (higher rate) | £1,613 |
| SPV Annual Saving | £2,305 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £249,244 |
| Less: Purchase Price | −£215,000 |
| Less: Buying Costs (SDLT + legal) | −£15,150 |
| Less: Selling Costs (est. 2.5%) | −£6,231 |
| = CGT Net Gain (5yr) | £12,863 |
| CGT at 24% | £2,367 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £906 | 5.1% | 3.1% | £-322 | -12.3% |
| Conservative | £991 | 5.5% | 3.7% | £-82 | -1.1% |
| Base | £1,066 | 5.9% | 4.1% | £59 | 3.7% |
| Optimistic | £1,151 | 6.4% | 4.5% | £210 | 9.1% |
| Bull | £1,258 | 7.0% | 5.1% | £381 | 15.9% |
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