Loft 16, Bonners Raff, Chandlers Road, Sunderland, SR6 0AD

UPRN:45140967Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: B (84)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

Loft 16, Bonners Raff, Chandlers Road, Sunderland, SR6 0AD

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£133,000

£120k - £147kMedium

Estimate

£133k

Range

£120k – £147k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

7.58%

Verdict

Derived from HomePortfolio scores

Loft 16 earns an INVESTIGATE rating with HP Score 55/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (82/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

55/ 100

Mixed

Investment Score

62/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 70Bike 66

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 4 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +28.6% (MEDIUM)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 45140967· as of 13 Oct 2026
Rental economics38.8/40
gross yield 9.9% on contractual rent (listing-disclosed tenancy); contractual 830/mo far above the 600/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 830/mo (tenanted)· as of 4 Nov 2026· verify before relying on this
Stress margin5.5/30
stressed cash flow +43/mo, +5% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 57 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 4 Nov 2026
Risk & liquidity12.8/15
295 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivityScores 70+ up to £73,500

£71,000£109,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£95,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: £95/mo
Cash on cash: 3.8%
Score at this price: 57

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.87 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 45140967Valuation edge · as of 13 Oct 2026
listing_factscontractual rent 830/mo (tenanted)Rental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
contractual rent 830/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 57 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Set your walk-away price before viewing - above £73,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£133,000

Rent Estimate (pcm)£600

Gross Yield7.58%

1y Growth-53.8%

3y Growth+0.9%

5y Growth-0.5%

10y Growth+3.0%

Last Sold Price£85,999 (2016-03-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SR6 0AD

Approval Rate

-12mo

Development

low

26/02406/DIS
Discharge of condition 8 (pre-occupation: archaeology report) attached to planning application 25/02288/VA4 (Part 3 0f 4)
Pending
26/02405/DIS
Discharge of condition 4 (pre-occupaiton: extraction system) attached to planning application 25/02288/VA4 (Part 2 0f 4)
Pending
26/02407/DIS
Discharge of condition 13 (pre-occupation: HMMP) attached to planning application 25/02288/VA4 (Part 4 0f 4)
Pending

View Planning Timeline

Ownership

Corporate Ownership72.2%
Overseas OwnershipNo
Lease Term Remaining101 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2016-03-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,989

Population Density-

Owner Occupied19%

Age Distribution

0-15 11%16-64 62%65+ 27%

View Area Profile

Schools Nearby

Dame Dorothy Primary School
0.4 mi
Inspected as Dame Dorothy Primary School (URN 108776) on 10 Feb 2022
Beacon of Light School
0.5 mi
Good
University of Sunderland
0.6 mi
-
Hudson Road Primary School
0.6 mi
Good

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Bonners Raff Chandlers Road
-
£110k
-
Bonners Raff Chandlers Road
-
£94k
-
Bonners Raff Chandlers Road
-
£47k
-
Bonners Raff Chandlers Road
-
£91k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN