94 Renfrew Road, Sunderland, SR5 5PS
Estimate of £88k for this semi-detached 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£85,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£4,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£91,350
Funding
- Deposit (25%)£21,250
- Mortgage (75% LTV)£63,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£27,600
Monthly Returns
- Monthly Rent (estimate)£600
- Mortgage Payment (IO)-£279
- Management (10%)-£60
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£161
Capital Returns
- 5yr Property Value£107,711
- 5yr Capital Gain (4.85% pa, historical)+£22,711
- 5yr Cumulative Rent (net)+£27,725
- Less mortgage interest-£16,740
- 5yr Total Return+£33,696
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 | £89,122 | £25,372 | +£1,932 | +£6,054 | 21.9% |
| Year 2 | £93,445 | £29,695 | +£3,996 | +£12,441 | 45.1% |
| Year 3 | £97,977 | £34,227 | +£6,195 | +£19,172 | 69.5% |
| Year 4 | £102,729 | £38,979 | +£8,520 | +£26,248 | 95.1% |
| Year 5 | £107,711 | £43,961 | +£10,985 | +£33,696 | 122.1% |
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 (£27,600).
Price Forecast
No forecast available.