Earls Court, Norton Road, Stockton-On-Tees
Apartment · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 37.6% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £70,000
- Property Type
- Apartment
- Bedrooms
- 2
- Bathrooms
- N/A
- Est. Floor Area
- 657 sqft (est.)
- 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: 80 days on market6.7% price cutBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £218 |
| ICR (actual) | 3.03x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £70,000 |
| Deposit (25% — 75% LTV) | £17,500 |
| SDLT (additional property, 5% surcharge) | £3,500 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £23,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £70,000 | Loan (75% LTV) | £52,500 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £241 |
| Rent needed (1.5×) | £361/mo | Estimated rent | £662/mo |
| Stress ratio | 2.75× (need ≥ 1.5×) +£301 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 | £75,382 | +£5,382 | £19,680 | +£2,180 (3.1%) |
| 5 years | £79,199 | +£9,199 | £22,523 | +£5,023 (7.2%) |
| 7 years | £83,208 | +£13,208 | £25,510 | +£8,010 (11.4%) |
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 1
⚠️ Only 2 comparable sale(s) matched 2 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 9, DRAGON COURT, TS20 1SR | Flat | 0 | £52,500 | £143 | 29/01/26 | 0.38 mi |
| APARTMENT 16, CORBY LODGE, 70, JUNCTION ROAD, TS20 1PT | Flat | 3 | £145,000 | £155 | 16/01/26 | 0.93 mi |
| APARTMENT 1, CORBY LODGE, 70, JUNCTION ROAD, TS20 1PT | Flat | 3 | £180,000 | £188 | 21/11/25 | 0.93 mi |
| FLAT 43, GILPIN HOUSE, CLAYMOND COURT, TS20 1HS | Flat | 2 | £61,000 | £93 | 10/10/25 | 0.52 mi |
| 4, CHRISTOPHER HOUSE, BLANDFORD CLOSE, TS20 1GA | Flat | 2 | £205,000 | £298 | 10/10/25 | 0.52 mi |
| 11, FAIRVIEW GARDENS, TS20 1UA | Flat | 1 | £108,750 | £177 | 03/10/25 | 1.23 mi |
| 16, RIDLEY COURT, TS20 1HU | Flat | 0 | £63,000 | £164 | 29/09/25 | 0.55 mi |
| 10, LYNMOUTH ROAD, TS20 1QA | Flat | 3 | £78,000 | £82 | 17/09/25 | 1.03 mi |
| FLAT 55, ANSTEY HOUSE, CLAYMOND COURT, TS20 1HT | Flat | 1 | £61,000 | £121 | 28/08/25 | 0.50 mi |
| APARTMENT 17, CORBY LODGE, 70, JUNCTION ROAD, TS20 1PT | Flat | 3 | £168,000 | £159 | 12/08/25 | 0.93 mi |
■ Above subject ■ Below subject
Based on 10 comparable sales — Full Range (grey) · Typical IQR (blue) · Fair Value CI (light blue) · | Median · | Mean · Asking (▲)
CV = 48.6% (threshold: 40%). Comparable prices in TS20 1 vary widely. This benchmark may not reliably represent this property’s value. Consider an independent RICS valuation before proceeding.
ⓘ 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 | £7,945 | £72,100 | £5,275 | £2,650 | £4,750 | 18.9% |
| Yr 3 | £8,347 | £76,491 | £5,565 | £8,384 | £14,875 | 59.3% |
| Yr 5 | £8,770 | £81,149 | £5,869 | £14,718 | £25,867 | 103.1% |
| Yr 10 | £9,922 | £94,074 | £6,699 | £33,388 | £57,462 | 228.9% |
| Yr 15 | £11,226 | £109,058 | £7,638 | £56,528 | £95,586 | 380.8% |
| Yr 20 | £12,701 | £126,428 | £8,700 | £84,726 | £141,153 | 562.4% |
| Yr 25 | £14,370 | £146,564 | £9,902 | £118,646 | £195,211 | 777.7% |
| Yr 30 | £16,259 | £169,908 | £11,261 | £159,041 | £258,949 | 1031.7% |
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 1 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £563 | 9.6% | 5.6% | £44 | -1.7% |
| Conservative | £616 | 10.6% | 6.8% | £153 | 7.6% |
| Base | £662 | 11.3% | 7.5% | £221 | 11.6% |
| Optimistic | £715 | 12.3% | 8.4% | £295 | 16.1% |
| Bull | £781 | 13.4% | 9.5% | £382 | 22.0% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.35% |
| Net Yield | ●7.54% |
| Net Annual Income | £5,275 |
| Deductions: void 8% (−£636) · mgmt 10% (−£794) · maint 10% (−£794) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£222 |
| Cash-on-Cash Return | ●10.56% |
| 5-Year IRR | ●11.6% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £3,500 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £3,500 |
| Section 24 Extra Tax/yr (higher rate) | £525 |
| SPV Annual Saving | £1,355 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £81,149 |
| Less: Purchase Price | −£70,000 |
| Less: Buying Costs (SDLT + legal) | −£6,100 |
| Less: Selling Costs (est. 2.5%) | −£2,029 |
| = CGT Net Gain (5yr) | £3,020 |
| CGT at 24% | £5 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £563 | 9.6% | 5.6% | £44 | -1.7% |
| Conservative | £616 | 10.6% | 6.8% | £153 | 7.6% |
| Base | £662 | 11.3% | 7.5% | £221 | 11.6% |
| Optimistic | £715 | 12.3% | 8.4% | £295 | 16.1% |
| Bull | £781 | 13.4% | 9.5% | £382 | 22.0% |