Stainton Street, Middlesbrough
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £70,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 893 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 3/10Behavioural signals: 76 days on marketBelow market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £218 |
| ICR (actual) | 3.48x |
| 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 | £759/mo |
| Stress ratio | 3.15× (need ≥ 1.5×) +£398 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 | £1,846 |
| SA net/mo | £1,474 |
| BTL est./mo | £759 |
| SA vs BTL uplift | +£1,087/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 TS3 7
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 12, DORRIEN CRESCENT, TS3 7AW | Terraced | 3 | £50,000 | £42 | 02/03/26 | 0.30 mi |
| 2, DORRIEN CRESCENT, TS3 7AW | Terraced | 3 | £60,000 | £55 | 24/02/26 | 0.30 mi |
| 6, ASKRIGG WALK, TS3 7PH | Terraced | 3 | £115,000 | £123 | 05/12/25 | 0.70 mi |
| 6, ELLERBY GREEN, TS3 7QL | Terraced | 3 | £85,000 | £94 | 31/07/25 | 0.51 mi |
■ Above subject ■ Below subject
Based on 4 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 | £9,107 | £72,100 | £6,112 | £3,487 | £5,587 | 22.3% |
| Yr 3 | £9,568 | £76,491 | £6,444 | £10,957 | £17,448 | 69.5% |
| Yr 5 | £10,052 | £81,149 | £6,793 | £19,116 | £30,265 | 120.6% |
| Yr 10 | £11,373 | £94,074 | £7,744 | £42,761 | £66,835 | 266.3% |
| Yr 15 | £12,868 | £109,058 | £8,820 | £71,530 | £110,588 | 440.6% |
| Yr 20 | £14,559 | £126,428 | £10,037 | £106,097 | £162,525 | 647.5% |
| Yr 25 | £16,472 | £146,564 | £11,415 | £147,224 | £223,788 | 891.6% |
| Yr 30 | £18,637 | £169,908 | £12,973 | £195,772 | £295,680 | 1178.0% |
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 — TS3 7 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 11.1% | 6.6% | £98 | 2.4% |
| Conservative | £706 | 12.1% | 7.8% | £216 | 11.1% |
| Base | £759 | 13.0% | 8.7% | £291 | 14.8% |
| Optimistic | £820 | 14.1% | 9.8% | £373 | 19.2% |
| Bull | £896 | 15.4% | 11.0% | £469 | 24.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●13.01% |
| Net Yield | ●8.73% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £218 |
| Monthly Cashflow (IO) | ●£291 |
| Cash-on-Cash Return | ●13.9% |
| 5-Year IRR | ●14.8% |
● 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 | £1,518 |
| 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 | £645 | 11.1% | 6.6% | £98 | 2.4% |
| Conservative | £706 | 12.1% | 7.8% | £216 | 11.1% |
| Base | £759 | 13.0% | 8.7% | £291 | 14.8% |
| Optimistic | £820 | 14.1% | 9.8% | £373 | 19.2% |
| Bull | £896 | 15.4% | 11.0% | £469 | 24.8% |