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3 bed flat for sale New Street, Kettering, NN14

Asking price

£125,000

Added on 26/09/2026

Type: Flat
Bedrooms: 3
Bathrooms: 2
Tenure: Leasehold; 83 years left(from the agent's description)

Service charge £2,160 a yearGround rent £250 a year

* From the agent's description. Check it with them before you rely on it.

Key features

Fully Operational Three bedroom HMO
Ground-floor flat with unusually generous facilities
All double bedrooms, one with private en-suite
Additional modern shower room plus separate WC
Ideal turnkey investment with immediate rental income
New flooring throughout and refreshed kitchen
Both shower rooms fully refurbished
Number of years left on lease: 83 years
Annual service charge: Contact branch
Annual ground rent: £250
Annual ground rent review period: 10 years
Ground rent increase: 80.0%

About this property

Presenting a fantastic opportunity to acquire a substantial ground floor apartment which has been thoughtfully and functionally converted into a three-bedroom House of Multiple Occupation (HMO) which is fully tenanted with long - standing tenants in situ.

Fully Tenanted Tree Bedroom HMO Flat - Newly Refurbished - High-Yield Investment Opportunity.

This exceptionally well-configured ground-floor flat offers a rare opportunity to acquire a fully operational, three bedroom HMO in excellent condition, perfect for investors seeking reliable, hassle-free rental income from day one.

Floorplan

Council tax

Ask agent

Per year

Band A

£1,616
Band B

£1,885
Band C

£2,155
Band D

£2,424
Band E

£2,963
Band F

£3,501
Band G

£4,040
Band H

£4,848

The agent hasn't said which band this home is in; you can look it up on GOV.UK. In North Northamptonshire, 2026/27 bills run from £1,616 a year in band A to £4,848 in band H.

Figures from MHCLG (Open Government Licence v3): the average bill for each band across North Northamptonshire, including the typical parish precept, so a parish's own bill can differ a little. Discounts lower the bill, such as 25% off for an adult living alone.

Location

New Street, Kettering, NN14

Open map Street View

Mortgage and stamp duty

Property price £125,000

£62k £188k

Deposit10% £13,000

£0 £125k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £112,000 mortgage. Most lenders would want a household income of about £25,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Properties sold nearby

HM Land Registry sales nearby. Floor areas from Energy Performance Certificates where matched.

Address	Type	Sold	Size	Size	£/sq ft	Price
25, New Street Terraced	Terraced	Jun 2026	463 sq ft £292/sq ft	463 sq ft	£292	£135,000
3, New Street Terraced	Terraced	Mar 2025	560 sq ft £295/sq ft	560 sq ft	£295	£165,000
6, New Street Terraced	Terraced	Oct 2024	689 sq ft £247/sq ft	689 sq ft	£247	£170,000
35, New Street Terraced	Terraced	Sept 2024	850 sq ft £229/sq ft	850 sq ft	£229	£195,000
5, New Street Terraced	Terraced	Nov 2023	474 sq ft £291/sq ft	474 sq ft	£291	£138,000
37, New Street Terraced	Terraced	Apr 2022	570 sq ft £263/sq ft	570 sq ft	£263	£150,000
39, New Street Terraced	Terraced	Jan 2022	581 sq ft £268/sq ft	581 sq ft	£268	£156,000
35, New Street Terraced	Terraced	Nov 2021	850 sq ft £194/sq ft	850 sq ft	£194	£165,000