Dorset Road, Guisborough, North Yorkshire, TS14
Terraced · 4 bed
Supports major UK property portals
Suggested Offer Range
Close to comparable sales mean. Standard 3–10% negotiation range.
Property Details
- Asking Price
- £160,000
- Property Type
- Terraced
- Bedrooms
- 4
- Bathrooms
- N/A
- Est. Floor Area
- 732 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 | £499 |
| ICR (actual) | 2.1x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £160,000 |
| Deposit (25% — 75% LTV) | £40,000 |
| SDLT (additional property, 5% surcharge) | £8,700 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £51,699 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £160,000 | Loan (75% LTV) | £120,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £550 |
| Rent needed (1.5×) | £825/mo | Estimated rent | £1,049/mo |
| Stress ratio | 1.91× (need ≥ 1.5×) +£224 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 | £1,049 |
| SA vs BTL uplift | +£1,358/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £172,302 | +£12,302 | £45,985 | +£5,985 (3.7%) |
| 5 years | £181,025 | +£21,025 | £52,484 | +£12,484 (7.8%) |
| 7 years | £190,190 | +£30,190 | £59,311 | +£19,311 (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 TS14 8
⚠️ Only 1 comparable sale(s) matched 4 bedrooms; showing all property types for context.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 5, SCHOLARS GATE, TS14 8LT | Terraced | 4 | £187,500 | £142 | 14/11/25 | 0.10 mi |
| 33, SCHOLARS GATE, TS14 8LT | Terraced | 3 | £193,500 | £195 | 20/03/25 | 0.10 mi |
| 12, DUNNOCK CLOSE, TS14 8LX | Terraced | 2 | £213,000 | £291 | 07/03/25 | 0.94 mi |
| 9, CROSSBILL CLOSE, TS14 8NA | Terraced | 2 | £176,000 | £240 | 18/12/24 | 0.95 mi |
| 14, HUTTON VILLAGE, TS14 8EP | Terraced | 1 | £200,000 | £320 | 13/12/24 | 0.70 mi |
| 40, CROSSBILL CLOSE, TS14 8NA | Terraced | 2 | £102,000 | £139 | 25/11/24 | 0.95 mi |
| 61, ALDENHAM ROAD, TS14 8LA | Terraced | 2 | £132,000 | £183 | 20/09/24 | 0.25 mi |
| 4, DUNNOCK CLOSE, TS14 8LX | Terraced | 2 | £175,000 | £239 | 09/08/24 | 0.94 mi |
■ Above subject ■ Below subject
Based on 8 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 | £12,592 | £164,800 | £8,621 | £2,621 | £7,421 | 14.1% |
| Yr 3 | £13,229 | £174,836 | £9,080 | £8,549 | £23,386 | 44.3% |
| Yr 5 | £13,899 | £185,484 | £9,562 | £15,430 | £40,914 | 77.5% |
| Yr 10 | £15,726 | £215,027 | £10,877 | £37,123 | £92,149 | 174.5% |
| Yr 15 | £17,792 | £249,275 | £12,365 | £65,900 | £155,175 | 293.9% |
| Yr 20 | £20,130 | £288,978 | £14,049 | £102,694 | £231,672 | 438.8% |
| Yr 25 | £22,775 | £335,004 | £15,953 | £148,557 | £323,562 | 612.8% |
| Yr 30 | £25,768 | £388,362 | £18,108 | £204,682 | £433,044 | 820.2% |
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 — TS14 8 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £892 | 6.7% | 4.1% | £-108 | -7.5% |
| Conservative | £976 | 7.3% | 4.8% | £96 | 2.9% |
| Base | £1,049 | 7.9% | 5.4% | £218 | 7.3% |
| Optimistic | £1,133 | 8.5% | 6.0% | £351 | 12.5% |
| Bull | £1,238 | 9.3% | 6.8% | £504 | 18.9% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●7.87% |
| Net Yield | ●5.39% |
| Net Annual Income | £8,618 |
| Deductions: void 8% (−£1,007) · mgmt 10% (−£1,259) · maint 10% (−£1,259) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £499 |
| Monthly Cashflow (IO) | ●£219 |
| Cash-on-Cash Return | ●4.96% |
| 5-Year IRR | ●7.3% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £8,700 |
| SDLT Effective Rate | 5.44% |
| SDLT (Company) | £8,700 |
| Section 24 Extra Tax/yr (higher rate) | £1,200 |
| SPV Annual Saving | £2,174 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £185,484 |
| Less: Purchase Price | −£160,000 |
| Less: Buying Costs (SDLT + legal) | −£11,300 |
| Less: Selling Costs (est. 2.5%) | −£4,637 |
| = CGT Net Gain (5yr) | £9,547 |
| CGT at 24% | £1,571 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £892 | 6.7% | 4.1% | £-108 | -7.5% |
| Conservative | £976 | 7.3% | 4.8% | £96 | 2.9% |
| Base | £1,049 | 7.9% | 5.4% | £218 | 7.3% |
| Optimistic | £1,133 | 8.5% | 6.0% | £351 | 12.5% |
| Bull | £1,238 | 9.3% | 6.8% | £504 | 18.9% |