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Bath Road, Kettering, Northamptonshire, NN16

Rightmove Sector: NN16 9

                    £200,000
                

asking price

vs Benchmark

+7%

above Sector Median

Est. £/sqft

£221

benchmark £212/sqft

Investment Score

4/10

average

Days on Market

days listed

Suggested Offer Range

Low offer

£180,000

£20,000 below asking

Target offer

£186,000

£14,000 below asking

High offer

£194,000

£6,000 below asking

Close to comparable sales mean. Standard 3–10% negotiation range.

Suggested range is based on Land Registry median data and is not financial advice. Always conduct your own due diligence.

📷 No photos available for condition analysis.

Property Details

Asking Price: £200,000
Property Type: Terraced
Bedrooms: 4
Bathrooms: N/A
Est. Floor Area: 904 sqft (est.)
Article 4 Area: ✓ No restriction — SA permitted under PD rights

+7.0% vs Sector Median (n=131 sales)

💸 Mortgage & Financing

Recommended LTV	75.0%
Indicative Rate	4.99%
Monthly IO Payment	£624
ICR (actual)	2.42x
Feasibility	PASS
💲 Total Cash Required
Purchase Price	£200,000
Deposit (25% — 75% LTV)	£50,000
SDLT (additional property, 5% surcharge)	£11,500
Legal fees (est.)	£1,500
Survey (est.)	£500
Arrangement fee (est.)	£999
Total cash required	£64,499

Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.

🔄 BRR Refinance Stress Test

✓ Passes stress test Rent covers 2.2x monthly interest — lender likely to approve.

Purchase price	£200,000	Loan (75% LTV)	£150,000
Rate (IO)	5.5% p.a.	Monthly interest	£688
Rent needed (1.5×)	£1,031/mo	Estimated rent	£1,507/mo
Stress ratio	2.19× (need ≥ 1.5×) +£476 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.

BRRR Strategy

? Score Photos

Est. reno cost	Unknown — score listing
Cash left in deal	Unknown

R2SA / SA Strategy

✓ Viable

SA gross/mo	£2,410
SA net/mo	£1,971
BTL est./mo	£1,507
SA vs BTL uplift	+£903/mo

Hold Period	Est. Sale Price	Capital Gain	Net Proceeds	Total Return
3 years	£215,378	+£15,378	£57,677	+£7,677 (3.8%)
5 years	£226,282	+£26,282	£65,800	+£15,800 (7.9%)
7 years	£237,737	+£37,737	£74,334	+£24,334 (12.2%)

Break-even Horizon

47 months

Medium-term (3–5 years)

Flip Viability

Marginal

Comp median: £210,000 — margin: +£10,000

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

Subject property Planning applications

Comparable Sales in NN16 9

Address	Type	Beds	Price	£/sqft	Date	Distance
24, BLOSSOM COURT, NN16 9SH	Terraced	2	£170,000	£195	23/03/26	0.19 mi
2, AFAN CLOSE, NN16 9FP	Terraced	1	£187,000	£305	20/03/26	0.89 mi
68, UNION STREET, NN16 9DA	Terraced	2	£165,000	£251	13/03/26	0.56 mi
19, PARK VIEW, NN16 9RH	Terraced	5	£442,000	£171	05/03/26	0.34 mi
134, STAMFORD ROAD, NN16 9UA	Terraced	3	£210,000	£203	27/02/26	0.40 mi
63, CENTRE PARADE, NN16 9TN	Terraced	3	£255,000	£282	27/02/26	0.51 mi
235, STAMFORD ROAD, NN16 9SX	Terraced	2	£240,000	£275	27/02/26	0.47 mi
10, WILLIAM STREET, NN16 9RS	Terraced	3	£177,500	£157	16/02/26	0.37 mi
169, BRAMBLESIDE, NN16 9UQ	Terraced	2	£217,000	£315	06/02/26	0.77 mi
8, BRAMBLESIDE COURT, NN16 9BY	Terraced	1	£150,000	£348	16/01/26	0.73 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.

10-Year Projection

Break-even: Year 1 5yr IRR: 10.1%

Year	Est. Rent/yr	Est. Value	Net Income/yr	Cum. Cashflow	Total Return	ROI on Cash Invested
Yr 1	£18,080	£206,000	£12,573	£5,073	£11,073	16.9%
Yr 3	£18,995	£218,545	£13,232	£16,202	£34,748	53.0%
Yr 5	£19,957	£231,855	£13,924	£28,700	£60,555	92.3%
Yr 10	£22,579	£268,783	£15,812	£66,391	£135,174	206.1%
Yr 15	£25,547	£311,593	£17,949	£114,256	£225,849	344.3%
Yr 20	£28,904	£361,222	£20,366	£173,630	£334,852	510.4%
Yr 25	£32,702	£418,756	£23,100	£246,027	£464,783	708.5%
Yr 30	£36,999	£485,452	£26,194	£333,158	£618,610	943.0%

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)

● 26/01762/AOC 0.18 mi

Approval of Conditions pursuant to Planning Ref: NK/2023/0614: Discharge of Condition 9 (Security Statement)

Adj Kettering Automobiles Ltd Lawson Street Kettering NN16 8XU

Undecided

● 26/01680/FUL 0.39 mi

Construction of attached house

91 Edmund Street Kettering NN16 0HS

Undecided

● 26/01765/TPO 0.41 mi

T1 & T2 Sycamore - Branch endings extending over the driveway of 43 Exeter Street are to be reduced by 2-3m (lateral gro

1 Timpson Close Kettering NN16 9UZ

Undecided

● 26/01650/LDP 0.42 mi

Change of use from C3 dwelling house to C2 residential children's home

86 Almond Road Kettering NN16 9PG

Undecided

● 26/01480/TPO 0.45 mi

T1: Maple: Pollard - Prune back branches tomain trunk and knuckles - overgrowth would pose hazard and must be trimmed on

19 Masefield Road Kettering NN16 9LE

Undecided

View all planning applications on your dashboard →

● Approved ● Pending ● Refused

🌎 Area Profile — NN16 9 ⓘ What are deciles?

IMD (Overall)

                6/10
            

Mid deprivation

Crime

                4/10
            

Mid deprivation

Income

                6/10
            

Mid deprivation

Employment

                6/10
            

Mid deprivation

Education

                6/10
            

Mid deprivation

Housing Barriers

                10/10
            

Low deprivation

Rural/Urban

Mixed

📊 Investment Skill Analysis

Net Yield

6.3%

Gross:9.0%

Mortgage

PASS

75% LTV · 5.0% rate

Survey Risk

Low Risk

Score: 1/10

SDLT (Additional)

£11,500

5.8% effective rate · Company: £11,500

Void Risk

High

~6 weeks/year

Statistical CI (65%)

£194,997 –£247,703

vs Comparable Mean:-9.6%· n=10

Best Strategy

Serviced Accommodation

£1,347/mo

📊 NN16 market data →

SPV Tax Saving

£3,018/yr

Breakeven: — years

5-Year IRR

10.1%

IRR — Strong

Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£1,281	7.7%	4.8%	£-17	-4.1%
Conservative	£1,402	8.4%	5.7%	£256	5.7%
Base	£1,507	9.0%	6.3%	£423	10.1%
Optimistic	£1,628	9.8%	7.0%	£605	15.0%
Bull	£1,778	10.7%	7.9%	£814	21.3%

Detailed Analysis

💸 Yield & Returns

Gross Yield	●9.04%
Net Yield	●6.29%
Net Annual Income	£12,575
Deductions: void 8% (−£1,446) · mgmt 10% (−£1,808) · maint 10% (−£1,808) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage	£624
Monthly Cashflow (IO)	●£424
Cash-on-Cash Return	●7.74%
5-Year IRR	●10.1%

● Above benchmark ● Near benchmark ● Below benchmark

💰 Tax Analysis

SDLT (Additional Property)	£11,500
SDLT Effective Rate	5.75%
SDLT (Company)	£11,500
Section 24 Extra Tax/yr (higher rate)	£1,500
SPV Annual Saving	£3,018
SPV Breakeven	— yrs
CGT Projected Sale (5yr)	£231,855
Less: Purchase Price	−£200,000
Less: Buying Costs (SDLT + legal)	−£14,100
Less: Selling Costs (est. 2.5%)	−£5,796
= CGT Net Gain (5yr)	£11,959
CGT at 24%	£2,150

📈 Scenario Analysis

Scenario	Monthly Rent	Gross Yield	Net Yield	Cashflow/mo	IRR 5yr
Bear	£1,281	7.7%	4.8%	£-17	-4.1%
Conservative	£1,402	8.4%	5.7%	£256	5.7%
Base	£1,507	9.0%	6.3%	£423	10.1%
Optimistic	£1,628	9.8%	7.0%	£605	15.0%
Bull	£1,778	10.7%	7.9%	£814	21.3%

📊 Analysis Report (PDF) 📊 Download CSV

PropertyAlert.uk is not affiliated with any property portal. Analysis is based on publicly available Land Registry data and EPC certificates. This report is for informational purposes only and does not constitute financial advice. Analyse another property →

Bath Road, Kettering, Northamptonshire, NN16