🔒 Sign in to unlock full details — address, price and financial figures are hidden. Continue with Google

Supports major UK property portals

South Road, Stockton-on-Tees, Durham, TS20

Rightmove Sector: TS20 1

                    £180,000
                

asking price

vs Benchmark

-40%

below Sector Median

Est. £/sqft

£143

benchmark £247/sqft

Investment Score

9.5/10

strong opportunity

Days on Market

117

motivated seller signal

Suggested Offer Range

Low offer

£171,000

£9,000 below asking

Target offer

£174,600

£5,400 below asking

High offer

£180,000

At asking price

Already 41.3% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £180,000
Property Type: Detached
Bedrooms: 4
Bathrooms: N/A
Est. Floor Area: 1259 sqft (est.)
Article 4 Area: ✓ No restriction — SA permitted under PD rights

-40.0% vs Sector Median (n=51 sales)

This listing is priced below the postcode sector benchmark.

Motivated Seller Analysis

Watch — 4/10

Behavioural signals: 117 days on marketBelow market value

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£561
ICR (actual)	2.07x
Feasibility	PASS
💲 Total Cash Required
Purchase Price	£180,000
Deposit (25% — 75% LTV)	£45,000
SDLT (additional property, 5% surcharge)	£10,100
Legal fees (est.)	£1,500
Survey (est.)	£500
Arrangement fee (est.)	£999
Total cash required	£58,099

Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.

🔄 BRR Refinance Stress Test

✓ Passes stress test Rent covers 1.9x monthly interest — lender likely to approve.

Purchase price	£180,000	Loan (75% LTV)	£135,000
Rate (IO)	5.5% p.a.	Monthly interest	£619
Rent needed (1.5×)	£928/mo	Estimated rent	£1,164/mo
Stress ratio	1.88× (need ≥ 1.5×) +£236 surplus

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.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

✓ Viable

SA gross/mo	£2,407
SA net/mo	£1,968
BTL est./mo	£1,164
SA vs BTL uplift	+£1,243/mo

Hold Period	Est. Sale Price	Capital Gain	Net Proceeds	Total Return
3 years	£193,840	+£13,840	£51,831	+£6,831 (3.8%)
5 years	£203,653	+£23,653	£59,142	+£14,142 (7.9%)
7 years	£213,963	+£33,963	£66,823	+£21,823 (12.1%)

Break-even Horizon

48 months

Medium-term (3–5 years)

Flip Viability

Viable

Comp median: £280,000 — margin: +£100,000

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.

Finance This Investment

Property SPV

Set up a limited company to hold property assets and reduce tax exposure.

Set up a property SPV from £12.99 — 1st Formations

EPC Certificates

Energy Performance Certificates, Gas Safety Checks and Electrical Condition Reports.

Get your EPC

Sell Your Property Fast

Cash purchases or auction. No fees. Ideal for motivated sellers or distressed assets.

Get a cash offer

Affiliate disclosure: PropertyAlert.uk may earn a commission from these links at no extra cost to you.

Location

Subject property Planning applications

Comparable Sales in TS20 1

⚠️ Only 2 comparable sale(s) matched 4 bedrooms; showing all property types for context.

Address	Type	Beds	Price	£/sqft	Date	Distance
WARWICK HOUSE, MILL LANE, TS20 1LG	Detached	5	£630,000	£306	25/02/26	0.93 mi
76, WESTMINSTER OVAL, TS20 1UX	Detached	4	£360,000	£265	30/01/26	1.43 mi
29, HENSLEY COURT, TS20 1TE	Detached	2	£259,000	£388	30/01/26	1.49 mi
27, SPENCER DRIVE, TS20 1FG	Detached	3	£240,000	£265	30/01/26	1.20 mi
42, MAPLETON DRIVE, TS20 1RP	Detached	2	£312,500	£427	21/11/25	1.23 mi
19, HEWORTH DRIVE, TS20 1TB	Detached	4	£310,000	£225	21/11/25	1.50 mi
109, THE GLEBE, TS20 1RD	Detached	1	£185,000	£294	05/11/25	1.48 mi
17, SPENCER DRIVE, TS20 1FG	Detached	3	£280,000	£243	29/10/25	1.20 mi
8, WESTMINSTER OVAL, TS20 1UX	Detached	3	£229,950	£237	22/10/25	1.43 mi
4, THRUXTON WAY, TS20 1RR	Detached	2	£260,000	£314	17/10/25	1.17 mi

■ Above subject ■ Below subject

Based on 10 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.

10-Year Projection

Break-even: Year 1 5yr IRR: 7.3%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£13,968	£185,400	£9,612	£2,862	£8,262	14.0%
Yr 3	£14,675	£196,691	£10,121	£9,346	£26,037	44.0%
Yr 5	£15,418	£208,669	£10,656	£16,888	£45,557	77.0%
Yr 10	£17,444	£241,905	£12,115	£40,722	£102,627	173.4%
Yr 15	£19,736	£280,434	£13,765	£72,416	£172,850	292.0%
Yr 20	£22,330	£325,100	£15,633	£113,002	£258,102	436.0%
Yr 25	£25,264	£376,880	£17,745	£163,648	£360,528	609.0%
Yr 30	£28,584	£436,907	£20,136	£225,678	£482,585	815.2%

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)

● 26/1074/CPL 0.32 mi

Certificate of lawfulness for the proposed change of use from dwellinghouse (C3) to a children's home (C2) for up to 3no

7 Imperial Avenue Norton Stockton-On-Tees TS20 2EW

Undecided

● 26/1035/CPE 0.32 mi

Certificate of lawfulness application for the existing use as a single dwellinghouse (C3)

38 Keithlands Avenue Norton Stockton-on-Tees TS20 2QP

Undecided

● 26/0403/FUL 0.42 mi

Engineering operations and works associated with the formation of a vehicle inspection pit.

Land North Of Cheltenham Road Wetherby Close Portrack Interchange Business Park Stockton-on-Tees TS18 2AD

Conditions

● 13/1721/NMC 0.45 mi

Non material amendment to planning approval 13/1721/REV (Amend wording of condition no6 (Highway Works))

331 - 333 Norton Road Norton Stockton-on-Tees TS20 2PT

Permitted

● 26/0374/RET 0.45 mi

Retrospective application for the installation of roller shutters.

The Tulip Lounge 12 Harland Place Norton Stockton-on-Tees TS20 1AL

Rejected

View all planning applications on your dashboard →

● Approved ● Pending ● Refused

🌎 Area Profile — TS20 1 ⓘ What are deciles?

IMD (Overall)

                6/10
            

Mid deprivation

Crime

                3/10
            

High deprivation

Income

                7/10
            

Low deprivation

Employment

                5/10
            

Mid deprivation

Education

                8/10
            

Low deprivation

Housing Barriers

                9/10
            

Low deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

5.3%

Gross:7.8%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 2/10

SDLT (Additional)

£10,100

5.6% effective rate · Company: £10,100

Void Risk

High

~6 weeks/year

Statistical CI (65%)

£268,082 –£345,208

vs Comparable Mean:-41.3%· n=10

Best Strategy

Serviced Accommodation

£1,407/mo

📊 TS20 market data →

SPV Tax Saving

£2,404/yr

Breakeven: — years

5-Year IRR

7.3%

IRR — Moderate

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£989	6.6%	4.0%	£-125	-7.6%
Conservative	£1,083	7.2%	4.8%	£102	2.8%
Base	£1,164	7.8%	5.3%	£238	7.3%
Optimistic	£1,257	8.4%	6.0%	£387	12.4%
Bull	£1,374	9.2%	6.7%	£557	18.9%

⚠ Condition Flags

Extended Market Time (MODERATE)

Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties

Detailed Analysis

💸 Yield & Returns

Gross Yield	●7.76%
Net Yield	●5.34%
Net Annual Income	£9,612
Deductions: void 8% (−£1,117) · mgmt 10% (−£1,397) · maint 10% (−£1,397) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage	£561
Monthly Cashflow (IO)	●£240
Cash-on-Cash Return	●4.83%
5-Year IRR	●7.3%

● Above benchmark ● Near benchmark ● Below benchmark

💰 Tax Analysis

SDLT (Additional Property)	£10,100
SDLT Effective Rate	5.61%
SDLT (Company)	£10,100
Section 24 Extra Tax/yr (higher rate)	£1,350
SPV Annual Saving	£2,404
SPV Breakeven	— yrs
CGT Projected Sale (5yr)	£208,669
Less: Purchase Price	−£180,000
Less: Buying Costs (SDLT + legal)	−£12,700
Less: Selling Costs (est. 2.5%)	−£5,217
= CGT Net Gain (5yr)	£10,752
CGT at 24%	£1,861

📈 Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£989	6.6%	4.0%	£-125	-7.6%
Conservative	£1,083	7.2%	4.8%	£102	2.8%
Base	£1,164	7.8%	5.3%	£238	7.3%
Optimistic	£1,257	8.4%	6.0%	£387	12.4%
Bull	£1,374	9.2%	6.7%	£557	18.9%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

South Road, Stockton-on-Tees, Durham, TS20