Temple Court, Stockton-On-Tees, TS20 2AU, TS20 2AU
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 19.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £75,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 866 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Active — 6/10Behavioural signals: 196 days on marketBelow market value
Matched signals:
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £234 |
| ICR (actual) | 2.83x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £75,000 |
| Deposit (25% — 75% LTV) | £18,750 |
| SDLT (additional property, 5% surcharge) | £3,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £25,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £75,000 | Loan (75% LTV) | £56,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £258 |
| Rent needed (1.5×) | £387/mo | Estimated rent | £662/mo |
| Stress ratio | 2.57× (need ≥ 1.5×) +£275 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.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £1,641 |
| SA net/mo | £1,294 |
| BTL est./mo | £662 |
| SA vs BTL uplift | +£979/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £80,767 | +£5,767 | £21,141 | +£2,391 (3.2%) |
| 5 years | £84,856 | +£9,856 | £24,187 | +£5,437 (7.2%) |
| 7 years | £89,151 | +£14,151 | £27,388 | +£8,638 (11.5%) |
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 TS20 2
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 4, MAYFLY AVENUE, TS20 2BQ | Semi | 2 | £105,000 | £157 | 27/02/26 | 0.37 mi |
| 26, NORTON AVENUE, TS20 2JH | Semi | 2 | £84,500 | £95 | 17/02/26 | 0.81 mi |
| 9, GROVE TERRACE, TS20 2HN | Semi | 2 | £91,000 | £113 | 17/02/26 | 0.48 mi |
| 18, MILBURN CRESCENT, TS20 2DN | Semi | 2 | £91,000 | £128 | 30/01/26 | 0.56 mi |
| 64, MILBURN CRESCENT, TS20 2DN | Semi | 2 | £97,500 | £128 | 30/01/26 | 0.56 mi |
| 70, MILBURN CRESCENT, TS20 2DN | Semi | 2 | £80,000 | £116 | 30/01/26 | 0.56 mi |
| 17, CLEVELAND AVENUE, TS20 2PE | Semi | 2 | £117,880 | £140 | 16/01/26 | 0.67 mi |
| 35, IMPERIAL CRESCENT, TS20 2ER | Semi | 2 | £80,000 | £103 | 19/12/25 | 0.60 mi |
■ Above subject ■ Below subject
Based on 8 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 | £7,942 | £77,250 | £5,274 | £2,461 | £4,711 | 17.7% |
| Yr 3 | £8,345 | £81,955 | £5,563 | £7,816 | £14,770 | 55.5% |
| Yr 5 | £8,767 | £86,946 | £5,867 | £13,771 | £25,717 | 96.7% |
| Yr 10 | £9,919 | £100,794 | £6,697 | £31,493 | £57,286 | 215.4% |
| Yr 15 | £11,223 | £116,848 | £7,635 | £53,683 | £95,531 | 359.1% |
| Yr 20 | £12,697 | £135,458 | £8,697 | £80,930 | £141,388 | 531.5% |
| Yr 25 | £14,366 | £157,033 | £9,898 | £113,897 | £195,930 | 736.6% |
| Yr 30 | £16,254 | £182,045 | £11,258 | £153,337 | £260,382 | 978.9% |
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 — TS20 2 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £563 | 9.0% | 5.3% | £24 | -3.1% |
| Conservative | £616 | 9.9% | 6.3% | £136 | 6.4% |
| Base | £662 | 10.6% | 7.0% | £205 | 10.4% |
| Optimistic | £715 | 11.4% | 7.9% | £281 | 15.1% |
| Bull | £781 | 12.5% | 8.9% | £369 | 21.1% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●10.59% |
| Net Yield | ●7.03% |
| Net Annual Income | £5,275 |
| Deductions: void 8% (−£635) · mgmt 10% (−£794) · maint 10% (−£794) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £234 |
| Monthly Cashflow (IO) | ●£206 |
| Cash-on-Cash Return | ●9.26% |
| 5-Year IRR | ●10.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,750 |
| Section 24 Extra Tax/yr (higher rate) | £562 |
| SPV Annual Saving | £1,364 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £86,946 |
| Less: Purchase Price | −£75,000 |
| Less: Buying Costs (SDLT + legal) | −£6,350 |
| Less: Selling Costs (est. 2.5%) | −£2,174 |
| = CGT Net Gain (5yr) | £3,422 |
| CGT at 24% | £101 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £563 | 9.0% | 5.3% | £24 | -3.1% |
| Conservative | £616 | 9.9% | 6.3% | £136 | 6.4% |
| Base | £662 | 10.6% | 7.0% | £205 | 10.4% |
| Optimistic | £715 | 11.4% | 7.9% | £281 | 15.1% |
| Bull | £781 | 12.5% | 8.9% | £369 | 21.1% |