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Hepscott Avenue, Hartlepool, TS27 4
Rightmove
Sector: TS27 3
vs Benchmark
-39%
below Sector Median
Est. £/sqft
£92
benchmark £158/sqft
Investment Score
9.5/10
strong opportunity
Days on Market
157
motivated seller signal
Suggested Offer Range
Low offer
£72,200
£3,800 below asking
Target offer
£73,720
£2,280 below asking
High offer
£76,000
At asking price
Already 52.6% 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
£76,000
Property Type
Terraced
Bedrooms
3
Bathrooms
N/A
Floor Area
807 sqft
Article 4 Area
✓ No restriction — SA permitted under PD rights
-39.2% vs Sector Median
(n=30 sales)
This listing is priced below the postcode sector benchmark.
Comparable Sales in TS27 3
🔍 Filtered to 3-bedroom comparable sales only.
Location
Motivated Seller Analysis
Active — 7/10
Behavioural signals:
157 days on market Below market value
Matched signals:
chain free
💸 Mortgage & Financing
Recommended LTV 75.0% Indicative Rate 4.99% Monthly IO Payment £237 ICR (actual) 2.83x Feasibility PASS 💲 Total Cash Required Purchase Price £76,000 Deposit (25% — 75% LTV) £19,000 SDLT (additional property, 5% surcharge) £3,800 Legal fees (est.) £1,500 Survey (est.) £500 Arrangement fee (est.) £999 Total cash required £25,799
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 2.6x monthly interest — lender likely to approve.
Purchase price
£76,000
Loan (75% LTV)
£57,000
Rate (IO)
5.5% p.a.
Monthly interest
£261
Rent needed (1.5×)
£392/mo
Estimated rent
£670/mo
Stress ratio
2.56×
(need ≥ 1.5×)
+£278 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 £1,846 SA net/mo £1,474 BTL est./mo £670 SA vs BTL uplift +£1,176/mo
Hold Period
Est. Sale Price
Capital Gain
Net Proceeds
Total Return
3 years
£81,844
+£5,844
£21,434
+£2,434 (3.2%)
5 years
£85,987
+£9,987
£24,520
+£5,520 (7.3%)
7 years
£90,340
+£14,340
£27,763
+£8,763 (11.5%)
Break-even Horizon
64 months
Long-term (5+ years)
Flip Viability
Viable
Comp median: £182,000 — margin: +£106,000
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
3, BIRKDALE CLOSE,
TS27 3QA
Terraced
3
£150,000
£153
28/11/25
2.55 mi
6, WESTWOOD WAY,
TS27 3QW
Terraced
3
£190,000
£173
08/09/25
2.48 mi
5, DODSWORTH WALK,
TS27 3PF
Terraced
3
£120,000
£115
11/07/25
2.89 mi
4, AMBERWOOD CLOSE,
TS27 3QL
Terraced
3
£182,000
£188
07/07/25
2.44 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.
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: 10.5%
Year
Est. Rent/yr
Est. Value
Net Income/yr
Cum. Cashflow
Total Return
ROI on Cash Invested
Yr 1
£8,041
£78,280
£5,344
£2,494
£4,774
17.7%
Yr 3
£8,448
£83,047
£5,637
£7,921
£14,968
55.6%
Yr 5
£8,876
£88,105
£5,945
£13,956
£26,061
96.9%
Yr 10
£10,042
£102,138
£6,785
£31,911
£58,048
215.8%
Yr 15
£11,361
£118,406
£7,735
£54,390
£96,795
359.8%
Yr 20
£12,854
£137,264
£8,810
£81,988
£143,252
532.5%
Yr 25
£14,544
£159,127
£10,026
£115,377
£198,504
737.9%
Yr 30
£16,455
£184,472
£11,402
£155,319
£263,791
980.6%
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/26/00192/FPA
0.06 mi
Removal of the existing hedge and construction of a 1500mm high brick wall with fencing above and brick pillars, giving
19 Glenholme Terrace Blackhall Colliery Hartlepool TS27 4HU
Permitted
●
DM/25/03504/FPA
0.25 mi
Installation of 1.6m high spearhead metal railings and a matching sliding access gate to the front boundary
Cavell House Hesleden Road Blackhall Colliery Hartlepool TS27 4LG
Permitted
●
DM/25/03488/AD
0.27 mi
3no. Fascia Signs
35 - 37 Middle Street Blackhall Colliery Hartlepool TS27 4EE
Permitted
●
DM/25/03255/VOC
0.3 mi
Variation of Condition 2 (approved plans) pursuant to planning permission DM/22/01032/FPA
8 Hesleden Road Blackhall Colliery Hartlepool TS27 4LH
Undecided
●
DM/26/00135/AD
0.31 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
7.0%
Gross:10.6%
Mortgage
PASS
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 2/10
SDLT (Additional)
£3,800
5.0% effective rate · Company: £3,800
Void Risk
High
~6 weeks/year
Statistical CI (85%)
–
vs Comparable Mean:-54.2%· n=4
SPV Tax Saving
£1,379/yr
Breakeven: — years
5-Year IRR
10.5%
IRR — Strong
Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£570
9.0%
5.3%
£24
-3.1%
Conservative
£623
9.8%
6.3%
£138
6.4%
Base
£670
10.6%
7.0%
£208
10.5%
Optimistic
£724
11.4%
7.9%
£285
15.2%
Bull
£791
12.5%
8.9%
£374
21.1%
⚠ Condition Flags
Extended Market Time (MODERATE)
Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties
Detailed Analysis
💸 Yield & Returns
Gross Yield ● 10.58%Net Yield ● 7.03%Net Annual Income £5,344 Deductions: void 8% (−£643) · mgmt 10% (−£804) · maint 10% (−£804) · fixed costs ins.+gas+EPC (−£445) Monthly IO Mortgage £237 Monthly Cashflow (IO) ● £208Cash-on-Cash Return ● 9.27%5-Year IRR ● 10.5%
● Above benchmark
● Near benchmark
● Below benchmark
💰 Tax Analysis
SDLT (Additional Property) £3,800 SDLT Effective Rate 5.0% SDLT (Company) £3,800 Section 24 Extra Tax/yr (higher rate) £570 SPV Annual Saving £1,379 SPV Breakeven — yrs CGT Projected Sale (5yr) £88,105 Less: Purchase Price −£76,000 Less: Buying Costs (SDLT + legal) −£6,400 Less: Selling Costs (est. 2.5%) −£2,203 = CGT Net Gain (5yr) £3,502 CGT at 24% £120
📈 Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£570
9.0%
5.3%
£24
-3.1%
Conservative
£623
9.8%
6.3%
£138
6.4%
Base
£670
10.6%
7.0%
£208
10.5%
Optimistic
£724
11.4%
7.9%
£285
15.2%
Bull
£791
12.5%
8.9%
£374
21.1%
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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