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78 Rugby Road, University Road, Belfast, BT7 1PT

Offers Over £195,000
  • status Agreed
  • bedrooms 5 Bedrooms
  • receptions 1 Reception
  • style Terrace
  • Price Offers Over £195,000
  • Style Terrace
  • Bedrooms 5
  • Receptions 1
  • Heating OFCH
  • EPC Rating F32 /E48
  • Status Agreed
Jonathan Steen - MNAEA, MIPAV, Dip. In Property GOC Estate Agents Office: 028 9066 2366
Jonathan Steen


This substantial end terrace property is an ideal investment opportunity situated in the heart of the University area. The property is HMO Registered and is extremely well presented and maintained by the current owners. In addition the property is currently let until July 2019 and priced to include all contents. Offering a superb, low maintainence investment opportunity, viewing is highly recommended.


  • Substantial Terrace Property in a Prime University Location
  • Good Sized Lounge
  • Fitted Kitchen with Breakfast Area
  • 5 Bedrooms
  • 2 Shower Rooms
  • Front Forecourt and Enclosed Rear Yard
  • uPVC Double Glazed Windows/Oil Fired Central Heating
  • Currently Let until End June 2019 at £1150 per month
  • HMO Registered until June 2022
  • Well Presented Throughout
  • Walking Distance to Queens university and Botanic Gardens

Room Details

  • Front door to

    Tiled floor
  • LOUNGE: 11' 6" X 10' 0" (3.51m X 3.05m)

    Tiled floor, decorative fireplace
  • KITCHEN WITH BREAKFAST AREA : 16' 7" X 8' 5" (5.05m X 2.57m)

    Range of high and low level units, work surfaces, single drainer stainless steel sink unit with mixer tap, soace for cooker, plumbed for washing machine, tiled floor, part tiled walls, breakfast bar, access to rear
  • BEDROOM (1): 14' 7" X 11' 2" (4.44m X 3.40m)

    Laminate wood effect floor, bay window

    Laminate wood effect floor

    White suite comprising pedestal wash hand basin, low flush wc, fully tiled shower cubicle, part tiled walls, tiled floor

    White suite comprising pedestal wash hand basin, low flush wc, fully tiled shower cubicle, part tiled walls, tiled floor
  • BEDROOM (2): 15' 0" X 14' 4" (4.57m X 4.37m)

    Sanded and varnished floor boards, bay window
  • BEDROOM (3):


  • BEDROOM (4): 15' 0" X 11' 10" (4.57m X 3.61m)

    Laminate wood effect floor
  • BEDROOM (5): 10' 0" X 8' 10" (3.05m X 2.69m)

  • Front forecourt with decorative paved path to front door. Enclosed rear yard with oil tank and oil fired boiler


* Click boxes to display surrounding locations


Heading from University Road to Ormeau Road on University Street, turn right on to Rugby Road

Mortgage Calculator

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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%


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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