Staveley Grove, Sheraton Park, Stockton-On-Tees, TS19 0PR, TS19 0PR
Detached · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 45.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £170,000
- Property Type
- Detached
- Bedrooms
- 3
- Bathrooms
- N/A
- Floor Area
- 893 sqft
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Watch — 4/10Behavioural signals: 123 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £530 |
| ICR (actual) | 1.49x |
| Feasibility | MARGINAL |
| Notes: Rental coverage 106% — below standard 145% threshold, may need larger deposit | |
| 💲 Total Cash Required | |
| Purchase Price | £170,000 |
| Deposit (25% — 75% LTV) | £42,500 |
| SDLT (additional property, 5% surcharge) | £9,400 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £54,899 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £170,000 | Loan (75% LTV) | £127,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £584 |
| Rent needed (1.5×) | £877/mo | Estimated rent | £788/mo |
| Stress ratio | 1.35× (need ≥ 1.5×) £89 shortfall | ||
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 | £788 |
| SA vs BTL uplift | +£1,058/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £183,071 | +£13,071 | £48,908 | +£6,408 (3.8%) |
| 5 years | £192,339 | +£22,339 | £55,813 | +£13,313 (7.8%) |
| 7 years | £202,077 | +£32,077 | £63,067 | +£20,567 (12.1%) |
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 TS19 0
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 2, RALPH SQUARE, TS19 0SW | Detached | 3 | £369,000 | £350 | 14/11/25 | 0.41 mi |
| 6, MEXBOROUGH CLOSE, TS19 0TA | Detached | 3 | £265,000 | £239 | 07/11/25 | 0.36 mi |
| 36, BAKERY DRIVE, TS19 0SN | Detached | 3 | £305,000 | £253 | 31/10/25 | 0.37 mi |
■ Above subject ■ Below subject
Based on 3 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
ⓘ 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 | £9,452 | £175,100 | £6,360 | £-15 | £5,085 | 9.1% |
| Yr 3 | £9,931 | £185,764 | £6,705 | £471 | £16,235 | 29.0% |
| Yr 5 | £10,433 | £197,077 | £7,067 | £1,672 | £28,748 | 51.3% |
| Yr 10 | £11,804 | £228,466 | £8,054 | £8,044 | £66,510 | 118.8% |
| Yr 15 | £13,355 | £264,854 | £9,171 | £19,735 | £114,589 | 204.6% |
| Yr 20 | £15,110 | £307,039 | £10,435 | £37,443 | £174,482 | 311.6% |
| Yr 25 | £17,096 | £355,942 | £11,864 | £61,959 | £247,901 | 442.7% |
| Yr 30 | £19,343 | £412,635 | £13,482 | £94,177 | £336,812 | 601.4% |
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 — TS19 0 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £670 | 4.7% | 2.8% | £-292 | -13.7% |
| Conservative | £733 | 5.2% | 3.4% | £-108 | -2.2% |
| Base | £788 | 5.6% | 3.7% | £-1 | 2.6% |
| Optimistic | £851 | 6.0% | 4.2% | £115 | 8.1% |
| Bull | £930 | 6.6% | 4.7% | £245 | 14.9% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●5.56% |
| Net Yield | ●3.74% |
| Net Annual Income | £6,363 |
| Deductions: void 8% (−£756) · mgmt 10% (−£945) · maint 10% (−£945) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£0 |
| Cash-on-Cash Return | ●-0.02% |
| 5-Year IRR | ●2.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,400 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,400 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £1,751 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,077 |
| Less: Purchase Price | −£170,000 |
| Less: Buying Costs (SDLT + legal) | −£12,000 |
| Less: Selling Costs (est. 2.5%) | −£4,927 |
| = CGT Net Gain (5yr) | £10,150 |
| CGT at 24% | £1,716 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £670 | 4.7% | 2.8% | £-292 | -13.7% |
| Conservative | £733 | 5.2% | 3.4% | £-108 | -2.2% |
| Base | £788 | 5.6% | 3.7% | £-1 | 2.6% |
| Optimistic | £851 | 6.0% | 4.2% | £115 | 8.1% |
| Bull | £930 | 6.6% | 4.7% | £245 | 14.9% |