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Kipling Avenue, Blackhall Colliery, Hartlepool

Terraced · 2 bed

£68,000
Score: 9.5/10 -46% vs median

Supports major UK property portals

vs Benchmark
-46%
below Sector Median
Est. £/sqft
£83
benchmark £158/sqft
Investment Score
9.5/10
strong opportunity
Days on Market
103
motivated seller signal

Suggested Offer Range

Low offer
£64,600
£3,400 below asking
Target offer
£65,960
£2,040 below asking
High offer
£68,000
At asking price

Already 42.1% 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
£68,000
Property Type
Terraced
Bedrooms
2
Bathrooms
N/A
Est. Floor Area
818 sqft (est.)
Article 4 Area
✓ No restriction — SA permitted under PD rights
-45.6% 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: 103 days on marketBelow market value

💸 Mortgage & Financing

Recommended LTV75.0%
Indicative Rate4.99%
Monthly IO Payment£212
ICR (actual)2.64x
FeasibilityPASS
💲 Total Cash Required
Purchase Price£68,000
Deposit (25% — 75% LTV)£17,000
SDLT (additional property, 5% surcharge)£3,400
Legal fees (est.)£1,500
Survey (est.)£500
Arrangement fee (est.)£999
Total cash required£23,399

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 2.4x monthly interest — lender likely to approve.
Purchase price £68,000 Loan (75% LTV) £51,000
Rate (IO) 5.5% p.a. Monthly interest £234
Rent needed (1.5×) £351/mo Estimated rent £559/mo
Stress ratio 2.39× (need ≥ 1.5×) +£208 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 costUnknown — score listing
Cash left in dealUnknown
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 £73,229 +£5,229 £19,095 +£2,095 (3.1%)
5 years £76,936 +£8,936 £21,857 +£4,857 (7.1%)
7 years £80,831 +£12,831 £24,759 +£7,759 (11.4%)
Break-even Horizon
67 months
Long-term (5+ years)
Flip Viability
Viable
Comp median: £115,000 — margin: +£47,000

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 3.64 mi
3, MUIRFIELD CLOSE, TS27 3QT Terraced 2 £145,000 £182 05/12/25 3.28 mi
3, MIDDLEWOOD CLOSE, TS27 3QP Terraced 2 £122,500 £152 01/08/25 3.19 mi
27, WOODSTOCK WAY, TS27 3QB Terraced 2 £115,000 £172 14/07/25 3.19 mi
4, SUNNINGDALE GROVE, TS27 3PW Terraced 2 £110,000 £148 11/07/25 3.52 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.

📈 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: 8.5%
Year Est. Rent/yr Est. Value Net Income/yr Cum. Cashflow Total Return ROI on Cash Invested
Yr 1 £6,705 £70,040 £4,382 £1,832 £3,872 15.8%
Yr 3 £7,044 £74,305 £4,627 £5,862 £12,168 49.7%
Yr 5 £7,401 £78,831 £4,884 £10,400 £21,230 86.7%
Yr 10 £8,373 £91,386 £5,584 £24,134 £47,520 194.0%
Yr 15 £9,474 £105,942 £6,376 £41,641 £79,582 324.8%
Yr 20 £10,719 £122,816 £7,272 £63,416 £118,231 482.6%
Yr 25 £12,127 £142,377 £8,287 £90,020 £164,397 671.0%
Yr 30 £13,721 £165,054 £9,434 £122,088 £219,142 894.5%

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
Rural/Urban
Mixed

📊 Investment Skill Analysis

Net Yield
6.5%
Gross:9.9%
Mortgage
PASS
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 2/10
SDLT (Additional)
£3,400
5.0% effective rate · Company: £3,400
Void Risk
Medium
~5 weeks/year
Statistical CI (65%)
£108,813 –£126,187
vs Comparable Mean:-42.1%· n=5
Best Strategy
Serviced Accommodation
£1,082/mo
📊 TS27 market data →
SPV Tax Saving
£1,178/yr
Breakeven: — years
5-Year IRR
8.5%
IRR — Moderate

Scenario Analysis

Scenario Monthly Rent Gross Yield Net Yield Cashflow/mo IRR 5yr
Bear £475 8.4% 4.8% £-4 -5.5%
Conservative £520 9.2% 5.8% £93 4.4%
Base £559 9.9% 6.4% £153 8.5%
Optimistic £604 10.7% 7.2% £218 13.2%
Bull £660 11.6% 8.2% £294 19.3%

⚠ Condition Flags

Extended Market Time (MODERATE)
Level 2 HomeBuyer Report (RICS) — standard for well-maintained modern properties

Detailed Analysis

💸 Yield & Returns
Gross Yield9.86%
Net Yield6.45%
Net Annual Income£4,385
Deductions: void 8% (−£536)  ·  mgmt 10% (−£670)  ·  maint 10% (−£670)  ·  fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage£212
Monthly Cashflow (IO)£153
Cash-on-Cash Return7.49%
5-Year IRR8.5%

Above benchmark   Near benchmark   Below benchmark

💰 Tax Analysis
SDLT (Additional Property)£3,400
SDLT Effective Rate5.0%
SDLT (Company)£3,400
Section 24 Extra Tax/yr (higher rate)£510
SPV Annual Saving£1,178
SPV Breakeven— yrs
CGT Projected Sale (5yr)£78,831
Less: Purchase Price−£68,000
Less: Buying Costs (SDLT + legal)−£6,000
Less: Selling Costs (est. 2.5%)−£1,971
= CGT Net Gain (5yr)£2,860
CGT at 24%£—
📈 Scenario Analysis
Scenario Monthly Rent Gross Yield Net Yield Cashflow/mo IRR 5yr
Bear £475 8.4% 4.8% £-4 -5.5%
Conservative £520 9.2% 5.8% £93 4.4%
Base £559 9.9% 6.4% £153 8.5%
Optimistic £604 10.7% 7.2% £218 13.2%
Bull £660 11.6% 8.2% £294 19.3%
📊 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 →

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