Fulbeck Road, Middlesbrough, TS3 0RL, TS3 0RL
Terraced · 3 bed
Supports major UK property portals
Suggested Offer Range
Already 10.1% below the comparable sales mean — some negotiation possible but limited margin. Note: listed as "Offers Over" — vendor expects full asking price or above.
Property Details
- Asking Price
- £80,000
- Property Type
- Terraced
- Bedrooms
- 3
- Bathrooms
- N/A
- Est. Floor Area
- 883 sqft (est.)
- Article 4 Area
- ✓ No restriction — SA permitted under PD rights
This listing is priced below the postcode sector benchmark.
Motivated Seller Analysis
Standard — 2/10Behavioural signals: Below market value
💸 Mortgage & Financing
| Recommended LTV | 75.0% |
| Indicative Rate | 4.99% |
| Monthly IO Payment | £250 |
| ICR (actual) | 3.04x |
| Feasibility | PASS |
| 💲 Total Cash Required | |
| Purchase Price | £80,000 |
| Deposit (25% — 75% LTV) | £20,000 |
| SDLT (additional property, 5% surcharge) | £4,000 |
| Legal fees (est.) | £1,500 |
| Survey (est.) | £500 |
| Arrangement fee (est.) | £999 |
| Total cash required | £26,999 |
Legal and survey fees are estimates. SDLT applies 5% additional-property surcharge (Oct 2024 Budget). Not financial advice.
🔄 BRR Refinance Stress Test
| Purchase price | £80,000 | Loan (75% LTV) | £60,000 |
| Rate (IO) | 5.5% p.a. | Monthly interest | £275 |
| Rent needed (1.5×) | £412/mo | Estimated rent | £759/mo |
| Stress ratio | 2.76× (need ≥ 1.5×) +£347 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.
| Est. reno cost | Unknown — score listing |
| Cash left in deal | Unknown |
| SA gross/mo | £1,846 |
| SA net/mo | £1,474 |
| BTL est./mo | £759 |
| SA vs BTL uplift | +£1,087/mo |
| Hold Period | Est. Sale Price | Capital Gain | Net Proceeds | Total Return |
|---|---|---|---|---|
| 3 years | £86,151 | +£6,151 | £22,603 | +£2,603 (3.3%) |
| 5 years | £90,513 | +£10,513 | £25,852 | +£5,852 (7.3%) |
| 7 years | £95,095 | +£15,095 | £29,266 | +£9,266 (11.6%) |
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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Location
Comparable Sales in TS3 0
🔍 Filtered to 3-bedroom comparable sales only.
| Address | Type | Beds | Price | £/sqft | Date | Distance |
|---|---|---|---|---|---|---|
| 194, FULBECK ROAD, TS3 0QG | Terraced | 3 | £107,000 | £118 | 24/11/25 | 0.19 mi |
| 24, ALVINGHAM TERRACE, TS3 0PW | Terraced | 3 | £65,000 | £70 | 10/11/25 | 0.31 mi |
| 199, FULBECK ROAD, TS3 0RS | Terraced | 3 | £94,950 | £103 | 06/11/25 | 0.17 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.
📈 Rental Yield & ROI Forecast
Compound-growth projection: 2.5% annual rent growth + 3% capital growth. IO mortgage throughout. For illustration only.
| Year | Est. Rent/yr | Est. Value | Net Income/yr | Cum. Cashflow | Total Return | ROI on Cash Invested |
|---|---|---|---|---|---|---|
| Yr 1 | £9,112 | £82,400 | £6,116 | £3,116 | £5,516 | 19.6% |
| Yr 3 | £9,573 | £87,418 | £6,448 | £9,843 | £17,261 | 61.4% |
| Yr 5 | £10,058 | £92,742 | £6,797 | £17,260 | £30,002 | 106.8% |
| Yr 10 | £11,380 | £107,513 | £7,748 | £39,051 | £66,565 | 236.9% |
| Yr 15 | £12,875 | £124,637 | £8,825 | £65,970 | £110,607 | 393.6% |
| Yr 20 | £14,567 | £144,489 | £10,043 | £98,689 | £163,178 | 580.7% |
| Yr 25 | £16,481 | £167,502 | £11,421 | £137,972 | £225,474 | 802.4% |
| Yr 30 | £18,647 | £194,181 | £12,981 | £184,680 | £298,861 | 1063.6% |
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)
🌎 Area Profile — TS3 0 ⓘ What are deciles?
📊 Investment Skill Analysis
Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 9.7% | 5.7% | £57 | -0.8% |
| Conservative | £706 | 10.6% | 6.9% | £182 | 8.4% |
| Base | £759 | 11.4% | 7.6% | £259 | 12.4% |
| Optimistic | £820 | 12.3% | 8.5% | £345 | 16.9% |
| Bull | £896 | 13.4% | 9.7% | £444 | 22.8% |
Detailed Analysis
💸 Yield & Returns
| Gross Yield | ●11.39% |
| Net Yield | ●7.64% |
| Net Annual Income | £6,113 |
| Deductions: void 8% (−£729) · mgmt 10% (−£911) · maint 10% (−£911) · fixed costs ins.+gas+EPC (−£445) | |
| Monthly IO Mortgage | £250 |
| Monthly Cashflow (IO) | ●£259 |
| Cash-on-Cash Return | ●11.08% |
| 5-Year IRR | ●12.4% |
● Above benchmark ● Near benchmark ● Below benchmark
💰 Tax Analysis
| SDLT (Additional Property) | £4,000 |
| SDLT Effective Rate | 5.0% |
| SDLT (Company) | £4,000 |
| Section 24 Extra Tax/yr (higher rate) | £600 |
| SPV Annual Saving | £1,537 |
| SPV Breakeven | — yrs |
| CGT Projected Sale (5yr) | £92,742 |
| Less: Purchase Price | −£80,000 |
| Less: Buying Costs (SDLT + legal) | −£6,600 |
| Less: Selling Costs (est. 2.5%) | −£2,319 |
| = CGT Net Gain (5yr) | £3,823 |
| CGT at 24% | £198 |
📈 Scenario Analysis
| Scenario | Monthly Rent | Gross Yield | Net Yield | Cashflow/mo | IRR 5yr |
|---|---|---|---|---|---|
| Bear | £645 | 9.7% | 5.7% | £57 | -0.8% |
| Conservative | £706 | 10.6% | 6.9% | £182 | 8.4% |
| Base | £759 | 11.4% | 7.6% | £259 | 12.4% |
| Optimistic | £820 | 12.3% | 8.5% | £345 | 16.9% |
| Bull | £896 | 13.4% | 9.7% | £444 | 22.8% |