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Milton Avenue, Blackhall, TS27
Rightmove
Sector: TS27 3
vs Benchmark
-36%
below Sector Median
Est. £/sqft
£97
benchmark £158/sqft
Investment Score
9.5/10
strong opportunity
Days on Market
111
motivated seller signal
Suggested Offer Range
Low offer
£76,000
£4,000 below asking
Target offer
£77,600
£2,400 below asking
High offer
£80,000
At asking price
Already 31.9% below the comparable sales mean — limited negotiation margin. Strong value at current asking price.
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
£80,000
Property Type
Terraced
Bedrooms
2
Bathrooms
N/A
Est. Floor Area
818 sqft (est.)
Article 4 Area
✓ No restriction — SA permitted under PD rights
-36.0% vs Sector Median
(n=30 sales)
This listing is priced below the postcode sector benchmark.
Comparable Sales in TS27 3
🔍 Filtered to 2-bedroom comparable sales only.
Location
Subject property
Planning applications
Motivated Seller Analysis
Watch — 4/10
Behavioural signals:
111 days on market Below market value
💸 Mortgage & Financing
Recommended LTV 75.0%
Indicative Rate 4.99%
Monthly IO Payment £250
ICR (actual) 2.24x
Feasibility PASS
💲 Total Cash Required
Purchase Price £80,000
Deposit (25% — 75% LTV) £20,000
SDLT (additional property, 5% surcharge) £4,000
Legal fees (est.) £1,500
Survey (est.) £500
Arrangement fee (est.) £999
Total cash required £26,999
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 2.0x monthly interest — lender likely to approve.
Purchase price
£80,000
Loan (75% LTV)
£60,000
Rate (IO)
5.5% p.a.
Monthly interest
£275
Rent needed (1.5×)
£412/mo
Estimated rent
£559/mo
Stress ratio
2.03×
(need ≥ 1.5×)
+£147 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 £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
£86,151
+£6,151
£22,603
+£2,603 (3.3%)
5 years
£90,513
+£10,513
£25,852
+£5,852 (7.3%)
7 years
£95,095
+£15,095
£29,266
+£9,266 (11.6%)
Break-even Horizon
62 months
Long-term (5+ years)
Flip Viability
Viable
Comp median: £115,000 — margin: +£35,000
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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Address
Type
Beds
Price
£/sqft
Date
Distance
80, CLAVERING ROAD,
TS27 3PJ
Terraced
2
£95,000
£126
06/03/26
3.70 mi
3, MUIRFIELD CLOSE,
TS27 3QT
Terraced
2
£145,000
£182
05/12/25
3.34 mi
3, MIDDLEWOOD CLOSE,
TS27 3QP
Terraced
2
£122,500
£152
01/08/25
3.26 mi
27, WOODSTOCK WAY,
TS27 3QB
Terraced
2
£115,000
£172
14/07/25
3.26 mi
4, SUNNINGDALE GROVE,
TS27 3PW
Terraced
2
£110,000
£148
11/07/25
3.58 mi
■ Above subject
■ Below subject
Based on 5 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.
Price History
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
10-Year Projection
Show 30 years
Break-even: Year 1
5yr IRR: 6.4%
Year
Est. Rent/yr
Est. Value
Net Income/yr
Cum. Cashflow
Total Return
ROI on Cash Invested
Yr 1
£6,704
£82,400
£4,382
£1,382
£3,782
13.5%
Yr 3
£7,043
£87,418
£4,626
£4,511
£11,929
42.5%
Yr 5
£7,400
£92,742
£4,883
£8,147
£20,889
74.3%
Yr 10
£8,372
£107,513
£5,583
£19,627
£47,141
167.8%
Yr 15
£9,473
£124,637
£6,375
£34,880
£79,518
283.0%
Yr 20
£10,717
£144,489
£7,271
£54,401
£118,890
423.1%
Yr 25
£12,126
£167,502
£8,286
£78,750
£166,253
591.6%
Yr 30
£13,719
£194,181
£9,433
£108,563
£222,744
792.7%
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)
●
DM/26/00185/FPA
0.2 mi
Loft conversion with dormer to north elevation (amended description)
7 Shaftesbury Avenue Blackhall Colliery Hartlepool TS27 4NF
Permitted
●
DM/25/03066/FPA
0.34 mi
Demolition of boundary wall, side and rear single storey extension to existing off-license, alterations to fenestration
91 Middle Street Blackhall Colliery Hartlepool TS27 4ED
Permitted
●
DM/26/00549/FPA
0.4 mi
Demolition of existing rear extension and conservatory with erection of replacement two storey side and rear, and single
12 Welfare Crescent Blackhall Colliery Hartlepool TS27 4LU
Permitted
●
DM/25/02716/FPA
0.4 mi
Demolition of existing rear extension and conservatory with erection of replacement two storey side and rear extension
12 Welfare Crescent Blackhall Colliery Hartlepool TS27 4LU
Permitted
●
DM/26/00135/AD
0.47 mi
To display 1no. non illuminated 2D sign above the window of the premises, facing out onto middle street.
40 Middle Street Blackhall Colliery Hartlepool TS27 4EA
Permitted
View all planning applications on your dashboard →
● Approved
● Pending
● Refused
🌎 Area Profile — TS27 3
ⓘ What are deciles?
IMD (Overall)
8/10
Low deprivation
Crime
6/10
Mid deprivation
Income
8/10
Low deprivation
Employment
9/10
Low deprivation
Education
10/10
Low deprivation
Housing Barriers
2/10
High deprivation
📊 Investment Skill Analysis
Net Yield
5.5%
Gross:8.4%
Mortgage
PASS
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 2/10
SDLT (Additional)
£4,000
5.0% effective rate · Company: £4,000
Void Risk
Medium
~5 weeks/year
Statistical CI (65%)
£108,813
–£126,187
vs Comparable Mean:-31.9%· n=5
SPV Tax Saving
£1,201/yr
Breakeven: — years
5-Year IRR
6.4%
IRR — Moderate
Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£475
7.1%
4.1%
£-53
-8.4%
Conservative
£520
7.8%
4.9%
£52
2.0%
Base
£559
8.4%
5.5%
£115
6.4%
Optimistic
£604
9.1%
6.1%
£185
11.3%
Bull
£660
9.9%
7.0%
£264
17.7%
⚠ Condition Flags
Extended Market Time (MODERATE)
Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties
Detailed Analysis
💸 Yield & Returns
Gross Yield ● 8.38%
Net Yield ● 5.48%
Net Annual Income £4,385
Deductions: void 8% (−£536) · mgmt 10% (−£670) · maint 10% (−£670) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage £250
Monthly Cashflow (IO) ● £115
Cash-on-Cash Return ● 4.93%
5-Year IRR ● 6.4%
● Above benchmark
● Near benchmark
● Below benchmark
💰 Tax Analysis
SDLT (Additional Property) £4,000
SDLT Effective Rate 5.0%
SDLT (Company) £4,000
Section 24 Extra Tax/yr (higher rate) £600
SPV Annual Saving £1,201
SPV Breakeven — yrs
CGT Projected Sale (5yr) £92,742
Less: Purchase Price −£80,000
Less: Buying Costs (SDLT + legal) −£6,600
Less: Selling Costs (est. 2.5%) −£2,319
= CGT Net Gain (5yr) £3,823
CGT at 24% £198
📈 Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£475
7.1%
4.1%
£-53
-8.4%
Conservative
£520
7.8%
4.9%
£52
2.0%
Base
£559
8.4%
5.5%
£115
6.4%
Optimistic
£604
9.1%
6.1%
£185
11.3%
Bull
£660
9.9%
7.0%
£264
17.7%
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.
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