Greatham Avenue, Whitewater Glade, Stockton
Semi-Detached · 4 bed
Supports major UK property portals
Suggested Offer Range
Already 23.3% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £169,950
- Property Type
- Semi-Detached
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 926 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £530 |
| ICR (actual) | 2.2x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £169,950 |
| Deposit (25% — 75% LTV) | £42,487 |
| SDLT (additional property, 5% surcharge) | £9,396 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £54,882 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £169,950 | Loan (75% LTV) | £127,462 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £584 |
| Rent needed (1.5×) | £876/mo | Estimated rent | £1,164/mo |
| Stress ratio | 1.99× (need ≥ 1.5×) +£288 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 | £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 | £183,018 | +£13,068 | £48,894 | +£6,406 (3.8%) |
| 5 years | £192,283 | +£22,333 | £55,796 | +£13,309 (7.8%) |
| 7 years | £202,017 | +£32,067 | £63,048 | +£20,561 (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 TS18 5
⚠️ Only 1 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 12, HARLSEY CRESCENT, TS18 5DG | Semi | 3 | £197,500 | £197 | 23/02/26 | 2.60 mi |
| 2, WESTBOROUGH GROVE, TS18 5PW | Semi | 4 | £272,500 | £208 | 23/02/26 | 3.00 mi |
| 73, DARLINGTON ROAD, TS18 5EU | Semi | 3 | £390,000 | £332 | 20/02/26 | 2.53 mi |
| 3, HIGHFIELD ROAD, TS18 5HG | Semi | 3 | £199,000 | £201 | 06/02/26 | 2.51 mi |
| 39, AUCKLAND WAY, TS18 5LG | Semi | 2 | £165,000 | £204 | 05/02/26 | 2.52 mi |
| 24, LANGTHORNE GROVE, TS18 5PL | Semi | 3 | £180,000 | £156 | 30/01/26 | 2.93 mi |
| 6, MASTERTON DRIVE, TS18 5JG | Semi | 1 | £174,000 | £279 | 12/01/26 | 2.64 mi |
| 12, WALTHAM AVENUE, TS18 5AE | Semi | 3 | £220,000 | £225 | 09/01/26 | 2.28 mi |
| 1, WESTBOROUGH GROVE, TS18 5PW | Semi | 3 | £217,000 | £206 | 05/01/26 | 3.00 mi |
| 67, BIRKDALE ROAD, TS18 5JS | Semi | 2 | £200,000 | £235 | 18/12/25 | 2.80 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.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £13,970 | £175,048 | £9,613 | £3,240 | £8,339 | 14.9% |
| Yr 3 | £14,677 | £185,709 | £10,123 | £10,481 | £26,240 | 46.9% |
| Yr 5 | £15,420 | £197,019 | £10,658 | £18,779 | £45,848 | 81.9% |
| Yr 10 | £17,446 | £228,399 | £12,116 | £44,506 | £102,955 | 183.9% |
| Yr 15 | £19,739 | £264,777 | £13,767 | £78,093 | £172,920 | 308.9% |
| Yr 20 | £22,333 | £306,949 | £15,635 | £120,574 | £257,572 | 460.1% |
| Yr 25 | £25,268 | £355,838 | £17,748 | £173,117 | £359,004 | 641.3% |
| Yr 30 | £28,588 | £412,513 | £20,138 | £237,044 | £479,607 | 856.7% |
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 — TS18 5 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £989 | 7.0% | 4.3% | £-84 | -6.5% |
| Conservative | £1,083 | 7.6% | 5.1% | £136 | 3.7% |
| Base | £1,164 | 8.2% | 5.7% | £270 | 8.2% |
| Optimistic | £1,257 | 8.9% | 6.3% | £415 | 13.2% |
| Bull | £1,374 | 9.7% | 7.1% | £582 | 19.6% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●8.22% |
| Net Yield | ●5.66% |
| Net Annual Income | £9,612 |
| Deductions: void 8% (−£1,118) · mgmt 10% (−£1,397) · maint 10% (−£1,397) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £530 |
| Monthly Cashflow (IO) | ●£271 |
| Cash-on-Cash Return | ●5.79% |
| 5-Year IRR | ●8.2% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £9,396 |
| SDLT Effective Rate | 5.53% |
| SDLT (Company) | £9,396 |
| Section 24 Extra Tax/yr (higher rate) | £1,275 |
| SPV Annual Saving | £2,385 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £197,019 |
| Less: Purchase Price | −£169,950 |
| Less: Buying Costs (SDLT + legal) | −£11,996 |
| Less: Selling Costs (est. 2.5%) | −£4,925 |
| = CGT Net Gain (5yr) | £10,148 |
| CGT at 24% | £1,715 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £989 | 7.0% | 4.3% | £-84 | -6.5% |
| Conservative | £1,083 | 7.6% | 5.1% | £136 | 3.7% |
| Base | £1,164 | 8.2% | 5.7% | £270 | 8.2% |
| Optimistic | £1,257 | 8.9% | 6.3% | £415 | 13.2% |
| Bull | £1,374 | 9.7% | 7.1% | £582 | 19.6% |