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Apt 4, 4 Deramore Drive, Malone , Belfast , BT9 5JQ

Offers Around £195,000
  • status Agreed
  • bedrooms 2 Bedrooms
  • receptions 2 Receptions
  • style Apartment
  • Price Offers Around £195,000
  • Style Apartment
  • Bedrooms 2
  • Receptions 2
  • Heating GFCH
  • EPC Rating C78 /C79
    EPC
  • Status Agreed
Kirby O'Connor - Assoc RICS GOC Estate Agents Office: 028 9066 2366
Kirby O'Connor

Description

This extremely well presented first floor apartment is situated within a modern apartment block of six. Situated in a prime location just off Malone Road. Convenient to a vast array of amenities on the Lisburn Road or easy access to Belfast City Centre. The property offers bright accommodation comprising of a large lounge open plan to a dining area with sliding patio door leading to a tiled balcony. Separate modern kitchen with integrated appliances. A further two double bedrooms, master with ensuite bathroom. Fully tiled shower room. Gas Central heating, double glazed windows and has the added benefit of a garage and communal parking. Viewing is highly recommended.

Features

  • Modern First Floor Apartment, recently Refurbished
  • Spacious Lounge/Dining Area with Private Balcony
  • Two Double Bedrooms, Master with Ensuite
  • Gas Fired Central Heating
  • Double Glazed Windows
  • Extremely Convenient to a Range of Amenities
  • Well Presented Throughout
  • Close to Belfast City Centre
  • Ideal Owner Occupier or Investment Opportunity
  • Off Street parking and Garage

Room Details

  • HALLWAY:

    Front door with stairs leading to first floor.
  • INNER HALLWAY:

    Tiled flooring, storage cupboard, hanging chandelier lighting
  • LOUNGE: 28' 2" X 14' 5" (8.59m X 4.39m)

    (At the widest points) Wood flooring, access to tiled balcony.
  • KITCHEN: 11' 4" X 7' 10" (3.45m X 2.39m)

    Range of high and low level units, work surfaces, stainless steel sink unit with mixer taps, 4 ring gas hob with extractor fan and electric oven under, plumed for dish washer, tiled floor, integrated fridge freezer, low voltage spot lights
  • BEDROOM (1): 13' 9" X 11' 6" (4.19m X 3.51m)

    (At the widest points)
  • BEDROOM (2): 11' 7" X 8' 10" (3.53m X 2.69m)

    (At widest points) Carpet flooring
  • ENSUITE BATHROOM:

    White suits comprising panelled bath with mixer taps and shower attachment, pedestal wash hand basin, low flush wc, part tiled walls, tiled floor, vertical radiator
  • BATHROOM:

    White shower cubicle, pedestal wash hand basin, mixer tap, low flush wc, tiled walls, tiled floor, extractor fan
  • GARAGE:

    Communal gardens maintained by management company. Driveway leading to rear parking area and garage.

Location

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Directions

Off the Malone Road

Mortgage Calculator

  • Property Value
  • Deposit
  • Loan Amount
  • Int. Rate
  • Term (Yrs)
  • Repayment/month
 

Disclaimer: The following calculations act as a guide only, and are based on a typical repayment mortgage model. Financial decisions should not be made based on these calculations and accuracy is not guaranteed. Always seek professional advice before making any financial decisions.

Advice on Stamp Duty

Advice on Stamp Duty

Stamp Duty Land Tax is a percentage paid on the purchase of a home or non-residential property to the Inland Revenue.  You usually pay Stamp Duty Land Tax (SDLT) on increasing portions of the property price above £125,000 when you buy residential property, eg a house or flat.

There are different rules if you’re buying your first home and the purchase price is £500,000 or less.

Use the SDLT calculator to work out how much tax you’ll pay.


Rates if you’re buying your first home

You can claim a discount (relief) so you don’t pay any tax up to £300,000 and 5% on the portion from £300,001 to £500,000.

You’re eligible if:

·you, and anyone else you’re buying with, are first-time buyers

·you complete your purchase on or after 22 November 2017

If the price is over £500,000, you follow the rules for people who’ve bought a home before.


Rates if you’ve bought a home before

Freehold sales and transfers

You can also use this table to work out the SDLT for the purchase price of a lease (the ‘lease premium’).


Property or lease premium or transfer value                                              SDLT rate

Up to £125,000                                                                                                Zero
The next £125,000 (the portion from £125,001 to £250,000)                       2%
The next £675,000 (the portion from £250,001 to £925,000)                       5%
The next £575,000 (the portion from £925,001 to £1.5 million)                    10%
The remaining amount (the portion above £1.5 million)                              12%

Example

If you buy a house for £275,000, the SDLT you owe is calculated as follows:

  • 0% on the first £125,000 = £0
  • 2% on the next £125,000 = £2,500
  • 5% on the final £25,000 = £1,250
  • Total SDLT = £3,750

New leasehold sales and transfers

When you buy a new residential leasehold property you pay SDLT on the purchase price of the lease (the ‘lease premium’) using the rates above.
If the total rent over the life the lease (known as the ‘net present value’) is more than £125,000, you also pay SDLT of 1% on the portion over £125,000 - unless you buy an existing (‘assigned’) lease.

You can work out how much SDLT you’ll pay for your new residential lease using HMRC’s:

Higher rates for additional properties

You’ll usually have to pay 3% on top of the normal SDLT rates if buying a new residential property means you’ll own more than one.

Use the SDLT calculator to work out how much tax you’ll pay.  You may not have to pay the higher rates if you exchanged contracts before 26
November 2015. 


If you’re replacing your main residence

You won’t pay the extra 3% SDLT if the property you’re buying is replacing your main residence and that has already been sold.  If there’s a delay selling your main residence and it hasn’t been sold on the day you complete your new purchase:

  • you’ll have to pay higher rates because you own 2 properties
  • you may be able to get a refund if you sell your previous main home within 36 months
  • There are special rules if you own property with someone else or already own a property outside England, Wales and Northern Ireland.
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