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Mulberry Wynd, Stockton-on-Tees, Durham, TS18

Semi-Detached · 4 bed

£185,000
Score: 5/10 +3% vs median

Supports major UK property portals

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 LTV75.0%
Indicative Rate4.99%
Monthly IO Payment£577
ICR (actual)2.02x
FeasibilityMARGINAL
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 costUnknown — score listing
Cash left in dealUnknown
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.

📈 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: 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
Rural/Urban
Mixed

📊 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
Best Strategy
Serviced Accommodation
£1,391/mo
📊 TS18 market data →
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 Yield7.55%
Net Yield5.2%
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 Return4.4%
5-Year IRR6.9%

Above benchmark   Near benchmark   Below benchmark

💰 Tax Analysis
SDLT (Additional Property)£10,450
SDLT Effective Rate5.65%
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%
📊 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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