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Ninth Street, Blackhall Colliery

Terraced · 2 bed

£50,000
Score: 9.5/10 -60% vs median

Supports major UK property portals

vs Benchmark
-60%
below Sector Median
Est. £/sqft
£61
benchmark £158/sqft
Investment Score
9.5/10
strong opportunity
Days on Market
164
motivated seller signal

Suggested Offer Range

Low offer
£47,500
£2,500 below asking
Target offer
£48,500
£1,500 below asking
High offer
£50,000
At asking price

Already 57.4% 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
£50,000
Property Type
Terraced
Bedrooms
2
Bathrooms
N/A
Occupancy
🔒 Currently Tenanted
Floor Area
894 sqft
Article 4 Area
✓ No restriction — SA permitted under PD rights
-60.0% 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

Active — 6/10

Behavioural signals: 164 days on marketBelow market valueTenanted investment

Matched signals:

buy-to-let

💸 Mortgage & Financing

Recommended LTV75.0%
Indicative Rate4.99%
Monthly IO Payment£156
ICR (actual)2.89x
FeasibilityPASS
💲 Total Cash Required
Purchase Price£50,000
Deposit (25% — 75% LTV)£12,500
SDLT (additional property, 5% surcharge)£2,500
Legal fees (est.)£1,500
Survey (est.)£500
Arrangement fee (est.)£999
Total cash required£17,999

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 2.6x monthly interest — lender likely to approve.
Purchase price £50,000 Loan (75% LTV) £37,500
Rate (IO) 5.5% p.a. Monthly interest £172
Rent needed (1.5×) £258/mo Estimated rent £450/mo
Stress ratio 2.62× (need ≥ 1.5×) +£192 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£450
SA vs BTL uplift+£1,191/mo
Hold Period Est. Sale Price Capital Gain Net Proceeds Total Return
3 years £53,845 +£3,845 £13,834 +£1,334 (2.7%)
5 years £56,570 +£6,570 £15,865 +£3,365 (6.7%)
7 years £59,434 +£9,434 £17,999 +£5,499 (11.0%)
Break-even Horizon
80 months
Long-term (5+ years)
Flip Viability
Viable
Comp median: £115,000 — margin: +£65,000

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 3.34 mi
3, MUIRFIELD CLOSE, TS27 3QT Terraced 2 £145,000 £182 05/12/25 2.98 mi
3, MIDDLEWOOD CLOSE, TS27 3QP Terraced 2 £122,500 £152 01/08/25 2.90 mi
27, WOODSTOCK WAY, TS27 3QB Terraced 2 £115,000 £172 14/07/25 2.90 mi
4, SUNNINGDALE GROVE, TS27 3PW Terraced 2 £110,000 £148 11/07/25 3.22 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: 8.4%
Year Est. Rent/yr Est. Value Net Income/yr Cum. Cashflow Total Return ROI on Cash Invested
Yr 1 £5,400 £51,500 £3,443 £1,568 £3,068 16.1%
Yr 3 £5,673 £54,636 £3,640 £4,998 £9,634 50.4%
Yr 5 £5,961 £57,964 £3,847 £8,837 £16,800 88.0%
Yr 10 £6,744 £67,196 £4,411 £20,359 £37,555 196.6%
Yr 15 £7,630 £77,898 £5,049 £34,919 £62,818 328.9%
Yr 20 £8,633 £90,306 £5,771 £52,918 £93,223 488.1%
Yr 25 £9,767 £104,689 £6,587 £74,805 £129,494 678.0%
Yr 30 £11,051 £121,363 £7,511 £101,094 £172,457 902.9%

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/25/03504/FPA 0.09 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/26/00135/AD 0.11 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
DM/26/00192/FPA 0.25 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/26/00185/FPA 0.36 mi

Loft conversion with dormer to north elevation (amended description)

7 Shaftesbury Avenue Blackhall Colliery Hartlepool TS27 4NF

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

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
6.9%
Gross:10.8%
Mortgage
PASS
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 2/10
SDLT (Additional)
£2,500
5.0% effective rate · Company: £2,500
Void Risk
Medium
~5 weeks/year
Statistical CI (65%)
£108,813 –£126,187
vs Comparable Mean:-57.4%· n=5
Best Strategy
Serviced Accommodation
£1,138/mo
📊 TS27 market data →
SPV Tax Saving
£961/yr
Breakeven: — years
5-Year IRR
8.4%
IRR — Moderate

Scenario Analysis

Scenario Monthly Rent Gross Yield Net Yield Cashflow/mo IRR 5yr
Bear £382 9.2% 5.1% £8 -5.3%
Conservative £418 10.0% 6.1% £84 4.4%
Base £450 10.8% 6.9% £131 8.4%
Optimistic £486 11.7% 7.7% £182 12.9%
Bull £531 12.7% 8.8% £241 18.8%

⚠ Condition Flags

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

Detailed Analysis

💸 Yield & Returns
Gross Yield10.8%
Net Yield6.89%
Net Annual Income£3,443
Deductions: void 8% (−£432)  ·  mgmt 10% (−£540)  ·  maint 10% (−£540)  ·  fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage£156
Monthly Cashflow (IO)£131
Cash-on-Cash Return8.21%
5-Year IRR8.4%

Above benchmark   Near benchmark   Below benchmark

💰 Tax Analysis
SDLT (Additional Property)£2,500
SDLT Effective Rate5.0%
SDLT (Company)£2,500
Section 24 Extra Tax/yr (higher rate)£375
SPV Annual Saving£961
SPV Breakeven— yrs
CGT Projected Sale (5yr)£57,964
Less: Purchase Price−£50,000
Less: Buying Costs (SDLT + legal)−£5,100
Less: Selling Costs (est. 2.5%)−£1,449
= CGT Net Gain (5yr)£1,415
CGT at 24%£—
📈 Scenario Analysis
Scenario Monthly Rent Gross Yield Net Yield Cashflow/mo IRR 5yr
Bear £382 9.2% 5.1% £8 -5.3%
Conservative £418 10.0% 6.1% £84 4.4%
Base £450 10.8% 6.9% £131 8.4%
Optimistic £486 11.7% 7.7% £182 12.9%
Bull £531 12.7% 8.8% £241 18.8%
📊 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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