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£280,000
Bedrooms
Bathrooms
Moat is pleased to offer for sale this one bedroom end of terrace house located in a quiet cul-de-sac in South Tonbridge. Tonbridge railway station is less than half a mile away with links to London and the coast. Tonbridge town centre is half a mile away with a good selection of shops, restaurants and leisure facilities. Tunbridge Wells is around four miles away with a wide selection of bars and restaurants plus cinema complex, bowling alley and theatre. The property is conveniently situated for access onto the A26 with links to A21 and M25.
This property is available for outright purchase or shared ownership (50% share).
DISCLAIMER:
In accordance with Consumer Protection from Unfair Trading Regulations 2008, these details and photographs have been prepared with due care, however the information contained therein is intended as a preliminary guide only. These particulars do not constitute any part of an offer or a contract. Where photographs are included, they are not always reproduced to scale.
Any intending purchaser must satisfy him/herself by inspection or otherwise as to the correctness of each of the statements and photographs contained in these particulars. None of the main services connected to any property have been tested and it is the purchasers responsibility to ascertain whether an inspection is required by a suitably qualified person. Moat does not take responsibility for the condition of the property as the lease requires the shared owner to deal with routine maintenance and upkeep.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £1,210.91
Total Interest: £155,926.60
Overall Total: £435,926.60
Amortization For Monthly Payment: £1,210.91 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £8,877.56 | £5,653.32 | £274,346.68 |
| 2026 | £8,693.98 | £5,836.91 | £268,509.77 |
| 2027 | £8,504.43 | £6,026.45 | £262,483.32 |
| 2028 | £8,308.73 | £6,222.15 | £256,261.17 |
| 2029 | £8,106.68 | £6,424.21 | £249,836.96 |
| 2030 | £7,898.06 | £6,632.82 | £243,204.13 |
| 2031 | £7,682.67 | £6,848.22 | £236,355.92 |
| 2032 | £7,460.29 | £7,070.60 | £229,285.32 |
| 2033 | £7,230.68 | £7,300.21 | £221,985.11 |
| 2034 | £6,993.61 | £7,537.27 | £214,447.84 |
| 2035 | £6,748.85 | £7,782.03 | £206,665.80 |
| 2036 | £6,496.14 | £8,034.74 | £198,631.06 |
| 2037 | £6,235.23 | £8,295.66 | £190,335.40 |
| 2038 | £5,965.84 | £8,565.05 | £181,770.35 |
| 2039 | £5,687.70 | £8,843.19 | £172,927.16 |
| 2040 | £5,400.53 | £9,130.36 | £163,796.80 |
| 2041 | £5,104.04 | £9,426.85 | £154,369.95 |
| 2042 | £4,797.91 | £9,732.97 | £144,636.98 |
| 2043 | £4,481.85 | £10,049.04 | £134,587.94 |
| 2044 | £4,155.52 | £10,375.37 | £124,212.57 |
| 2045 | £3,818.60 | £10,712.29 | £113,500.28 |
| 2046 | £3,470.73 | £11,060.16 | £102,440.12 |
| 2047 | £3,111.57 | £11,419.32 | £91,020.80 |
| 2048 | £2,740.74 | £11,790.15 | £79,230.66 |
| 2049 | £2,357.87 | £12,173.01 | £67,057.65 |
| 2050 | £1,962.57 | £12,568.31 | £54,489.33 |
| 2051 | £1,554.44 | £12,976.45 | £41,512.88 |
| 2052 | £1,133.04 | £13,397.84 | £28,115.04 |
| 2053 | £697.97 | £13,832.92 | £14,282.12 |
| 2054 | £248.77 | £14,282.12 | £0.00 |
Using your investment as a 25.00% deposit and £ 5,833 in costs for purchasing and getting ready to let.
Stamp Duty is a tax paid on completion via your solicitor, the calculation includes the 3% surcharge for second homes.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The refurbishment budget is set to 2.50% of the purchase price, but this will vary dependent on the suitability of the property for the rental market. Select a value that you feel is appropriate to the condition of the property.
This will vary between lenders, type of report and whether or not you are buying with a mortgage, for advice on which type of survey would be appropriate speak with an advisor from Preston Baker Financial Services.
Lenders will often charge a fees for the arrangement of a mortgage, for advice on what lenders may charge, speak with an advisor from Preston Baker Financial Services. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the sum of mortgage admin, land registry, search, bank transfer and any other fees incurred.
Purchase costs include assumed mortgage and survey costs which are estimated. For a quote contact a Preston Baker Financial Services mortgage advisor who can provide you with current and accurate information. The stamp duty calculation has applid the 3% stamp duty surcharge on the basis that this will be a second property.
The mortgage is assumed to be interest only. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the percentage of the rent that you will spend maintaining the property.
Ground Rent only applies to leasehold properties. This is an assumed ground rent, the confirmed figure can be found in the Property Information Questionnaire.
Service charge only applies to leasehold properties. The correct figure can found in the Property Information Questionnaire answered by the seller.
This is a standard, indicative figure only. Properties that have a service charge often have this included withing that charge. Please consult the Property Information Questionnaire for more information.
Final Equity Profit = Final Property Value - Mortgage Required - Investment
Cumulative Rental Profit = Annual rental profit x Time of Investment
This is the assumed rate of house price inflation.
This is the property value at the end of the investment based on an assumed rate of % house price inflation.
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Thu May 22 2025
All confirmed! We look forward to speaking with you.
Thu May 22 2025
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