Russell Crescent, Trimdon Station, TS29 6BJ, TS29 6BJ
Semi-Detached · 2 bed
Supports major UK property portals
Suggested Offer Range
Already 31.7% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
Property Details
- Asking Price
- £55,000
- Property Type
- Semi-Detached
- Bedrooms
- 2
- Bathrooms
- N/A
- Floor Area
- 722 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: 119 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £172 |
| ICR (actual) | 3.26x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £55,000 |
| Deposit (25% — 75% LTV) | £13,750 |
| SDLT (additional property, 5% surcharge) | £2,750 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £19,499 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £55,000 | Loan (75% LTV) | £41,250 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £189 |
| Rent needed (1.5×) | £284/mo | Estimated rent | £559/mo |
| Stress ratio | 2.96× (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 | £559 |
| SA vs BTL uplift | +£1,082/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £59,229 | +£4,229 | £15,296 | +£1,546 (2.8%) |
| 5 years | £62,227 | +£7,227 | £17,529 | +£3,779 (6.9%) |
| 7 years | £65,378 | +£10,378 | £19,876 | +£6,126 (11.1%) |
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 TS29 6
🔍 Filtered to 2-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 27, BEECH GROVE, TS29 6BQ | Semi | 2 | £75,000 | £101 | 28/01/26 | 0.12 mi |
| 10, HOLME LEA TERRACE, TS29 6AN | Semi | 2 | £94,000 | £105 | 06/01/26 | 0.32 mi |
| 32, DUNELM ROAD, TS29 6PX | Semi | 2 | £102,500 | £127 | 12/11/25 | 1.75 mi |
| 16, ELWICK VIEW, TS29 6JU | Semi | 2 | £59,000 | £82 | 10/10/25 | 1.94 mi |
| 54, ELWICK VIEW, TS29 6JU | Semi | 2 | £85,000 | £123 | 10/10/25 | 1.94 mi |
| 13, SYCAMORE CRESCENT, TS29 6AZ | Semi | 2 | £68,000 | £88 | 10/10/25 | < 0.1 mi |
■ Above subject ■ Below subject
Based on 6 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 | £6,710 | £56,650 | £4,386 | £2,324 | £3,974 | 19.3% |
| Yr 3 | £7,050 | £60,100 | £4,631 | £7,336 | £12,436 | 60.4% |
| Yr 5 | £7,407 | £63,760 | £4,888 | £12,857 | £21,617 | 104.9% |
| Yr 10 | £8,380 | £73,915 | £5,589 | £29,051 | £47,966 | 232.8% |
| Yr 15 | £9,481 | £85,688 | £6,381 | £49,020 | £79,708 | 386.9% |
| Yr 20 | £10,727 | £99,336 | £7,278 | £73,261 | £117,597 | 570.9% |
| Yr 25 | £12,137 | £115,158 | £8,293 | £102,335 | £162,493 | 788.8% |
| Yr 30 | £13,731 | £133,499 | £9,442 | £136,878 | £215,377 | 1045.5% |
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 — TS29 6 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £475 | 10.4% | 5.9% | £48 | -1.2% |
| Conservative | £520 | 11.3% | 7.1% | £138 | 7.9% |
| Base | £559 | 12.2% | 8.0% | £194 | 11.7% |
| Optimistic | £604 | 13.2% | 8.9% | £255 | 16.1% |
| Bull | £660 | 14.4% | 10.1% | £327 | 21.8% |
⚠ Condition Flags
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●12.2% |
| Net Yield | ●7.97% |
| Net Annual Income | £4,385 |
| Deductions: void 8% (−£537) · mgmt 10% (−£671) · maint 10% (−£671) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £172 |
| Monthly Cashflow (IO) | ●£193 |
| Cash-on-Cash Return | ●11.27% |
| 5-Year IRR | ●11.7% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £2,750 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £2,750 |
| Section 24 Extra Tax/yr (higher rate) | £412 |
| SPV Annual Saving | £1,153 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £63,760 |
| Less: Purchase Price | −£55,000 |
| Less: Buying Costs (SDLT + legal) | −£5,350 |
| Less: Selling Costs (est. 2.5%) | −£1,594 |
| = CGT Net Gain (5yr) | £1,816 |
| CGT at 24% | £— |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £475 | 10.4% | 5.9% | £48 | -1.2% |
| Conservative | £520 | 11.3% | 7.1% | £138 | 7.9% |
| Base | £559 | 12.2% | 8.0% | £194 | 11.7% |
| Optimistic | £604 | 13.2% | 8.9% | £255 | 16.1% |
| Bull | £660 | 14.4% | 10.1% | £327 | 21.8% |