Supports major UK property portals
Harwood Court, Stockton-On-Tees
Rightmove
Sector: TS18 5
vs Benchmark
-11%
below Sector Median
Est. £/sqft
£168
benchmark £202/sqft
Investment Score
7/10
good
Days on Market
4
days listed
Suggested Offer Range
Low offer
£151,995
£8,000 below asking
Target offer
£155,195
£4,800 below asking
High offer
£159,995
At asking price
Already 56.9% 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
£159,995
Property Type
House
Bedrooms
4
Bathrooms
N/A
Floor Area
1002 sqft
Article 4 Area
✓ No restriction — SA permitted under PD rights
-11.1% vs Sector Median
(n=135 sales)
This listing is priced below the postcode sector benchmark.
Comparable Sales in TS18 5
🔍 Filtered to 4-bedroom comparable sales only.
Location
💸 Mortgage & Financing
Recommended LTV 75.0% Indicative Rate 4.99% Monthly IO Payment £499 ICR (actual) 2.33x Feasibility PASS 💲 Total Cash Required Purchase Price £159,995 Deposit (25% — 75% LTV) £39,998 SDLT (additional property, 5% surcharge) £8,700 Legal fees (est.) £1,500 Survey (est.) £500 Arrangement fee (est.) £999 Total cash required £51,697
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 2.1x monthly interest — lender likely to approve.
Purchase price
£159,995
Loan (75% LTV)
£119,996
Rate (IO)
5.5% p.a.
Monthly interest
£550
Rent needed (1.5×)
£825/mo
Estimated rent
£1,164/mo
Stress ratio
2.12×
(need ≥ 1.5×)
+£339 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
£172,297
+£12,302
£45,984
+£5,985 (3.7%)
5 years
£181,020
+£21,025
£52,482
+£12,483 (7.8%)
7 years
£190,184
+£30,189
£59,309
+£19,311 (12.1%)
Break-even Horizon
49 months
Medium-term (3–5 years)
Flip Viability
Viable
Comp median: £370,000 — margin: +£210,005
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.
Finance This Investment
EPC Certificates
Energy Performance Certificates, Gas Safety Checks and Electrical Condition Reports.
Get your EPC
Sell Your Property Fast
Cash purchases or auction. No fees. Ideal for motivated sellers or distressed assets.
Get a cash offer
Affiliate disclosure: PropertyAlert.uk may earn a commission from these links at no extra cost to you.
Address
Type
Beds
Price
£/sqft
Date
Distance
111, HARLSEY ROAD,
TS18 5DQ
Detached
4
£472,000
£288
27/02/26
2.60 mi
40, INGLEBY GROVE,
TS18 5AX
Detached
4
£370,000
£249
27/02/26
2.21 mi
2, WESTBOROUGH GROVE,
TS18 5PW
Semi
4
£272,500
£208
23/02/26
3.06 mi
■ Above subject
■ Below subject
Based on 3 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: 9.1%
Year
Est. Rent/yr
Est. Value
Net Income/yr
Cum. Cashflow
Total Return
ROI on Cash Invested
Yr 1
£13,968
£164,795
£9,612
£3,612
£8,412
15.9%
Yr 3
£14,675
£174,831
£10,121
£11,596
£26,432
50.1%
Yr 5
£15,418
£185,478
£10,656
£20,637
£46,120
87.4%
Yr 10
£17,444
£215,020
£12,114
£48,220
£103,245
195.5%
Yr 15
£19,736
£249,267
£13,765
£83,663
£172,935
327.5%
Yr 20
£22,329
£288,969
£15,632
£127,997
£256,971
486.7%
Yr 25
£25,263
£334,994
£17,745
£182,392
£357,391
676.9%
Yr 30
£28,583
£388,350
£20,135
£248,170
£476,524
902.5%
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)
●
24/2127/NMA
0.09 mi
Non material amendment to planning approval 24/2127/FUL (Condition 16 BNG)
Land North Of Greatham Avenue Stockton-on-Tees TS18 2QE
Permitted
●
26/0960/FUL
0.21 mi
Erection of extension to existing storage building.
The Stockton Casting Company Limited Ross Road Stockton-on-Tees TS18 2NP
Undecided
●
26/0638/FUL
0.45 mi
Erection of 2m high security fence (door/window alterations and 1m high fence)
Portrack Baptist Church Portrack Lane Stockton-on-Tees TS18 2HT
Undecided
●
26/0549/DCH
0.47 mi
Information to discharge conditions no6 (Foul and Surface Water Drainage and Management), no9 (Energy), no12 (Materials)
Car Park Navigation Way Thornaby TS17 6QA
Undecided
●
26/0892/VARY
0.48 mi
Section 73 application to vary condition no1 (Approved Plans) of planning approval 23/0784/VARY
Car Park Navigation Way Thornaby TS17 6QA
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
6.0%
Gross:8.7%
Mortgage
PASS
75% LTV · 5.0% rate
Survey Risk
Low Risk
Score: 1/10
SDLT (Additional)
£8,700
5.4% effective rate · Company: £8,700
Void Risk
High
~6 weeks/year
Statistical CI (85%)
–
vs Comparable Mean:-56.8%· n=3
SPV Tax Saving
£2,367/yr
Breakeven: — years
5-Year IRR
9.1%
IRR — Moderate
Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£989
7.4%
4.5%
£-44
-5.3%
Conservative
£1,083
8.1%
5.4%
£171
4.8%
Base
£1,164
8.7%
6.0%
£301
9.1%
Optimistic
£1,257
9.4%
6.7%
£443
14.1%
Bull
£1,374
10.3%
7.6%
£607
20.5%
Detailed Analysis
💸 Yield & Returns
Gross Yield ● 8.73%Net Yield ● 6.01%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 £499 Monthly Cashflow (IO) ● £302Cash-on-Cash Return ● 6.84%5-Year IRR ● 9.1%
● Above benchmark
● Near benchmark
● Below benchmark
💰 Tax Analysis
SDLT (Additional Property) £8,700 SDLT Effective Rate 5.44% SDLT (Company) £8,700 Section 24 Extra Tax/yr (higher rate) £1,200 SPV Annual Saving £2,367 SPV Breakeven — yrs CGT Projected Sale (5yr) £185,478 Less: Purchase Price −£159,995 Less: Buying Costs (SDLT + legal) −£11,300 Less: Selling Costs (est. 2.5%) −£4,637 = CGT Net Gain (5yr) £9,546 CGT at 24% £1,571
📈 Scenario Analysis
Scenario
Monthly Rent
Gross Yield
Net Yield
Cashflow/mo
IRR 5yr
Bear
£989
7.4%
4.5%
£-44
-5.3%
Conservative
£1,083
8.1%
5.4%
£171
4.8%
Base
£1,164
8.7%
6.0%
£301
9.1%
Optimistic
£1,257
9.4%
6.7%
£443
14.1%
Bull
£1,374
10.3%
7.6%
£607
20.5%
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.
Analyse another property →
