Recent sale
8 SPENCER STREET
£208k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Skip to property detailsMonthly AVM sale-value estimate Monthly -6 live signals 25% deposit · IO BTL · Interest Only
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![Comparable: 26 SPENCER STREET]()
![Comparable: 12 SPENCER STREET]()
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3 signals 0 levers
16 Spencer Street, Northampton, NN5 5JU
UPRN:15056595Terrace Property3 bedsBuilt 1900-1929
FreeholdCouncil Tax: -EPC: C (71)AI-Powered Intelligence
Data freshness:Planning· 2mo agoPlanning: ageing, refreshed 2mo ago (2026-07-10T09:07:00.336092+00:00)EPC· 3mo agoEPC: stale, refreshed 3mo ago (2026-05-20T10:58:39.129138+00:00)Risk· 2mo agoRisk: ageing, refreshed 2mo ago (2026-07-04T06:46:22.443816+00:00)Connectivity· 2mo agoConnectivity: ageing, refreshed 2mo ago (2026-07-04T20:23:28.637306+00:00)Schools· 2mo agoSchools: ageing, refreshed 2mo ago (2026-07-07T02:37:19.861486+00:00)Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-07-05T20:05:00.707256+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
AI ValuationFairly ValuedUpdated yesterday
£197,000
Estimated value
Range: £187k - £206k|Last sold: £155k (2017-06-15)
Estimate of £197k for terrace propertys in Northampton. 460 transactions in the last 12 months; median £256k.
AI Confidence
-
High confidence
Value History
Current estimate
£197k
£187k - £206k - High confidence
Annualised (CAGR)
+2.13%
Over the full window
Peak estimate
£217k
Apr 2026
From peak
-9.22%
Drawdown from peak
AVM estimate (model)Repeat-sales index - NN5 district (quarterly)index YoY +5.08%
Growth by window
3m
-6.64%
6m
-5.74%
12m
-5.29%
24m
-3.90%
60m
+4.79%
Rental Market
Estimated rent (pcm)
£950
/ month
Gross yield
5.40%
Net yield
871.50%
Vacancy trend
12-month change
Tenant profile
Market Metrics
Avg Area Price
£256k
3-bed Terrace Property
12m Price Growth
-
vs UK avg
Days on Market
54d
Area avg
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£197,000
- SDLT standard£1,440
- SDLT BTL surcharge (5%)£9,850
- Legal + Survey£15,000
- Refurb (light)£13,790
- Total All-In Cost£237,080
Funding
- Deposit (25%)£49,250
- Mortgage (75% LTV)£147,750
- Interest Rate5.25%
- Mortgage TypeInterest Only
- Cash Required£89,330
Monthly Returns
- Monthly Rent (est)£950
- Mortgage Payment (IO)-£646
- Management (10%)-£95
- Insurance-£95
- Maintenance-£82
- Monthly Cashflow+£32
Capital Returns
- 5yr Property Value£219,537
- 5yr Capital Gain (2.19% pa)+£22,537
- 5yr Cumulative Rent (net)+£40,680
- Less mortgage interest-£38,760
- 5yr Total Return+£24,457
5-Year Projection
| Year | Property Value | Equity | Cashflow (YTD) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £201,314 | £53,564 | +£384 | +£4,698 | 5.3% |
| Year 2 | £205,723 | £57,973 | +£768 | +£9,491 | 10.6% |
| Year 3 | £210,228 | £62,478 | +£1,152 | +£14,380 | 16.1% |
| Year 4 | £214,832 | £67,082 | +£1,536 | +£19,368 | 21.7% |
| Year 5 | £219,537 | £71,787 | +£1,920 | +£24,457 | 27.4% |
Assumes 2.19% pa capital growth (API forecast), 3.0% rental growth, 5.25% IO mortgage held for 5 years, light refurb completed year 0. ROI is on total cash invested (£89,330).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
Recent sale
26 SPENCER STREET
£155k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Recent sale
12 SPENCER STREET
£160k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Recent sale
16 SPENCER STREET
£155k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£33,147
Median Income
Signal
2,112
Population
Signal
5.8 / 100
Deprivation