4 Byron Street, Sunderland, SR5 1HJ
Estimate of £83k for this mid terrace house. 286 sales in SR5 in the last 12 months; median £114k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£250,000
- SDLT standard£2,500
- SDLT BTL surcharge (5%)£12,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£267,100
Funding
- Deposit (25%)£62,500
- Mortgage (75% LTV)£187,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£79,600
Monthly Returns
- Monthly Rent (estimate)£600
- Mortgage Payment (IO)-£820
- Management (10%)-£60
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£380
Capital Returns
- 5yr Property Value£316,798
- 5yr Capital Gain (4.85% pa, historical)+£66,798
- 5yr Cumulative Rent (net)+£27,725
- Less mortgage interest-£49,200
- 5yr Total Return+£45,323
Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £262,125 | £74,625 | -£4,560 | +£7,565 | 9.5% |
| Year 2 | £274,838 | £87,338 | -£8,988 | +£15,850 | 19.9% |
| Year 3 | £288,168 | £100,668 | -£13,281 | +£24,887 | 31.3% |
| Year 4 | £302,144 | £114,644 | -£17,448 | +£34,695 | 43.6% |
| Year 5 | £316,798 | £129,298 | -£21,475 | +£45,323 | 56.9% |
Modelled on the live asking price. Capital growth 4.85% a year is the SR5 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. ROI is on cash required (£79,600).
Price Forecast
No forecast available.