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Mulberry Wynd, Stockton-on-Tees, Durham, TS18
Rightmove
Sector: TS18 5
vs Benchmark
+3%
above Sector Median
Est. £/sqft
£199
benchmark £202/sqft
Investment Score
5/10
average
Days on Market
12
days listed
Suggested Offer Range
Low offer
£175,750
£9,250 below asking
Target offer
£179,450
£5,550 below asking
High offer
£185,000
At asking price
Already 16.5% 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
£185,000
Property Type
Semi-Detached
Bedrooms
4
Bathrooms
N/A
Est. Floor Area
926 sqft (est.)
Article 4 Area
✓ No restriction — SA permitted under PD rights
+2.8% vs Sector Median
(n=135 sales)
Comparable Sales in TS18 5
⚠️ Only 1 comparable sale(s) matched 4 bedrooms; showing all property types for context.
Location
Subject property
Planning applications
💸 Mortgage & Financing
Recommended LTV 75.0%
Indicative Rate 4.99%
Monthly IO Payment £577
ICR (actual) 2.02x
Feasibility MARGINAL
Notes: Rental coverage 144% — below standard 145% threshold, may need larger deposit
💲 Total Cash Required
Purchase Price £185,000
Deposit (25% — 75% LTV) £46,250
SDLT (additional property, 5% surcharge) £10,450
Legal fees (est.) £1,500
Survey (est.) £500
Arrangement fee (est.) £999
Total cash required £59,699
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 1.8x monthly interest — lender likely to approve.
Purchase price
£185,000
Loan (75% LTV)
£138,750
Rate (IO)
5.5% p.a.
Monthly interest
£636
Rent needed (1.5×)
£954/mo
Estimated rent
£1,164/mo
Stress ratio
1.83×
(need ≥ 1.5×)
+£210 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 £2,407 SA net/mo £1,968 BTL est./mo £1,164 SA vs BTL uplift +£1,243/mo
Hold Period
Est. Sale Price
Capital Gain
Net Proceeds
Total Return
3 years
£199,225
+£14,225
£53,292
+£7,042 (3.8%)
5 years
£209,311
+£24,311
£60,806
+£14,556 (7.9%)
7 years
£219,907
+£34,907
£68,701
+£22,451 (12.1%)
Break-even Horizon
48 months
Medium-term (3–5 years)
Flip Viability
Marginal
Comp median: £200,000 — margin: +£15,000
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
12, HARLSEY CRESCENT,
TS18 5DG
Semi
3
£197,500
£197
23/02/26
1.22 mi
2, WESTBOROUGH GROVE,
TS18 5PW
Semi
4
£272,500
£208
23/02/26
1.79 mi
73, DARLINGTON ROAD,
TS18 5EU
Semi
3
£390,000
£332
20/02/26
1.20 mi
3, HIGHFIELD ROAD,
TS18 5HG
Semi
3
£199,000
£201
06/02/26
1.21 mi
39, AUCKLAND WAY,
TS18 5LG
Semi
2
£165,000
£204
05/02/26
1.30 mi
24, LANGTHORNE GROVE,
TS18 5PL
Semi
3
£180,000
£156
30/01/26
1.75 mi
6, MASTERTON DRIVE,
TS18 5JG
Semi
1
£174,000
£279
12/01/26
1.37 mi
12, WALTHAM AVENUE,
TS18 5AE
Semi
3
£220,000
£225
09/01/26
1.18 mi
1, WESTBOROUGH GROVE,
TS18 5PW
Semi
3
£217,000
£206
05/01/26
1.79 mi
67, BIRKDALE ROAD,
TS18 5JS
Semi
2
£200,000
£235
18/12/25
1.58 mi
■ Above subject
■ Below subject
Based on 10 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: 6.9%
Year
Est. Rent/yr
Est. Value
Net Income/yr
Cum. Cashflow
Total Return
ROI on Cash Invested
Yr 1
£13,968
£190,550
£9,612
£2,674
£8,224
13.5%
Yr 3
£14,675
£202,154
£10,121
£8,783
£25,937
42.7%
Yr 5
£15,418
£214,466
£10,656
£15,948
£45,414
74.7%
Yr 10
£17,443
£248,625
£12,114
£38,843
£102,467
168.5%
Yr 15
£19,736
£288,224
£13,765
£69,597
£172,821
284.2%
Yr 20
£22,329
£334,131
£15,632
£109,242
£258,373
425.0%
Yr 25
£25,263
£387,349
£17,745
£158,948
£361,297
594.2%
Yr 30
£28,583
£449,044
£20,135
£220,037
£484,080
796.2%
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)
●
26/0891/DCH
0.32 mi
Information to discharge condition no3 (Layout) of planning approval 24/0285/FUL - Installation of a battery energy stor
Land Off Westland Way Preston Farm Industrial Estate Stockton-on-Tees TS18 3TG
Conditions
●
26/1052/DCH
0.45 mi
Information to discharge condition no4 (Noise Insulation and soundproofing in converted properties) of planning approval
2 Yarm Road Stockton-on-Tees TS18 3NA
Undecided
●
26/1050/CPE
0.47 mi
Certificate of Lawfulness for the existing use as a concrete production plant, including all associated machinery and st
Tillicoultry Quarries Stockton Ready Mix Concrete Plant Adam Street Stockton-on-Tees TS18 3HQ
Undecided
●
26/0889/FUL
0.48 mi
Erection of store plant equipment to include the installation of 3no air source heat pumps and associated works.
Aldi Foodstore 104 Yarm Lane Stockton-on-Tees TS18 1LQ
Undecided
●
26/1136/DCH
0.5 mi
Information to discharge condition no3 (Brick Cleaning) of planning approval 25/2324/LBC - Listed building consent for e
The Thomas Sheraton 4 Bridge Road Stockton-on-Tees TS18 3BW
Undecided
View all planning applications on your dashboard →
● Approved
● Pending
● Refused
🌎 Area Profile — TS18 5
ⓘ What are deciles?
IMD (Overall)
9/10
Low deprivation
Crime
8/10
Low deprivation
Income
10/10
Low deprivation
Employment
8/10
Low deprivation
Education
10/10
Low deprivation
Housing Barriers
8/10
Low deprivation
📊 Investment Skill Analysis
Net Yield
5.2%
Gross:7.5%
Mortgage
MARGINAL
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 1/10
SDLT (Additional)
£10,450
5.7% effective rate · Company: £10,450
Void Risk
High
~6 weeks/year
Statistical CI (65%)
£200,788
–£242,212
vs Comparable Mean:-16.5%· n=10
SPV Tax Saving
£2,413/yr
Breakeven: — years
5-Year IRR
6.9%
IRR — Moderate
Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£989
6.4%
3.9%
£-146
-8.2%
Conservative
£1,083
7.0%
4.7%
£85
2.3%
Base
£1,164
7.6%
5.2%
£223
6.9%
Optimistic
£1,257
8.2%
5.8%
£373
12.0%
Bull
£1,374
8.9%
6.5%
£544
18.5%
Detailed Analysis
💸 Yield & Returns
Gross Yield ● 7.55%
Net Yield ● 5.2%
Net Annual Income £9,612
Deductions: void 8% (−£1,117) · mgmt 10% (−£1,397) · maint 10% (−£1,397) · fixed costs ins.+gas+EPC (−£445)
Monthly IO Mortgage £577
Monthly Cashflow (IO) ● £224
Cash-on-Cash Return ● 4.4%
5-Year IRR ● 6.9%
● Above benchmark
● Near benchmark
● Below benchmark
💰 Tax Analysis
SDLT (Additional Property) £10,450
SDLT Effective Rate 5.65%
SDLT (Company) £10,450
Section 24 Extra Tax/yr (higher rate) £1,388
SPV Annual Saving £2,413
SPV Breakeven — yrs
CGT Projected Sale (5yr) £214,466
Less: Purchase Price −£185,000
Less: Buying Costs (SDLT + legal) −£13,050
Less: Selling Costs (est. 2.5%) −£5,362
= CGT Net Gain (5yr) £11,054
CGT at 24% £1,933
📈 Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£989
6.4%
3.9%
£-146
-8.2%
Conservative
£1,083
7.0%
4.7%
£85
2.3%
Base
£1,164
7.6%
5.2%
£223
6.9%
Optimistic
£1,257
8.2%
5.8%
£373
12.0%
Bull
£1,374
8.9%
6.5%
£544
18.5%
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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