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45 Fernwood Street, Ormeau Road, Belfast, BT7 3BQ

Offers Over £132,500
  • status Sale
  • bedrooms 4 Bedrooms
  • receptions 1 Reception
  • style Terrace
  • Price Offers Over £132,500
  • Style Terrace
  • Bedrooms 4
  • Receptions 1
  • Heating None
  • EPC Rating E45 /D58
    EPC
  • Status Sale
Jonathan Steen - MNAEA, MIPAV, Dip. In Property GOC Estate Agents Office: 028 9066 2366
Jonathan Steen

Description

This mid terrace property is situated in a prime location just off Ormeau Road. The property is well presented by the current owners and offers spacious accommodation with a modern kitchen and bathroom along with oil central heating and uPVC double glazed windows. Situated close to many local amenities, including shops, restaurants and public transport this property will appeal to both owner occupiers and investors and viewing is highly recommended.

Features

  • Mid Terrace Property in a Prime Location
  • Spacious Lounge Open Plan to Dining Room
  • Modern Fitted Kitchen
  • 4 Bedrooms
  • Bathroom with White Suite
  • Well Presented Throughout
  • Oil Central Heating / uPVC Double Glazed Windows
  • Enclosed Rear Yard
  • Convenient to a Range of Local Amenities, Including Shops and Public Transport

Room Details

  • Hardwood front door to
  • ENTRANCE PORCH:

    Glazed door to
  • ENTRANCE HALL:

  • LOUNGE OPEN PLAN TO DINING ROOM 20' 4" X 9' 8" (6.20m X 2.95m)

    Hole in wall fireplace
  • KITCHEN: 13' 6" X 5' 9" (4.11m X 1.75m)

    Range of high and low level units, work surfaces, single drainer stainless steel sink unit with mixer tap, 4 ring hob with electric oven under, extractor fan, part tiled walls, plumbed for washing machine, understairs storage, access to rear
  • LANDING:

    Shelved hotpress
  • BEDROOM (1): 10' 4" X 7' 9" (3.15m X 2.36m)

  • BEDROOM (2): 12' 1" X 9' 8" (3.68m X 2.95m)

  • BATHROOM:

    White suite comprising panelled bath with mixer tap and shower attachment and Triton shower over, low flush wc, pedestal wash hand basin, part tiled walls
  • LANDING:

    Velux window
  • BEDROOM (3): 9' 5" X 7' 0" (2.87m X 2.13m)

    Built in robes, velux window
  • BEDROOM (4): 14' 8" X 7' 9" (4.47m X 2.36m)

    Velux window
  • Enclosed rear yard with oil fired boiler and oil tank

Location

* Click boxes to display surrounding locations

Directions

Coming out of Belfast on Ormeau Road, turn right on to Deramore Avenue, continue on to Blackwood Street and Fernwood Street is on the left hand side

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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