Sold STC Terraced

107 MONTAGU STREET

SWINDON, SWINDON SN2 2HN

2 beds 1 baths 743 sq ft Listed 29 May 2015 (-4037d)

£145,000

Save

# 2 bedroom terraced house for sale (SN2 2HN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 107 MONTAGU STREET, SWINDON, SWINDON SN2 2HN |
| Price | £145,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 69 m² |
| Last sold | £215,000 Mar 2022 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 15/11/2031
- **Est. upgrade cost to C:** £11,500

### Recommendations
- B (£500 - £1,500)
- W1 (£800 - £1,200)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9461-3911-6209-7629-4204)

## Description

*** ATTENTION: ALL FIRST-TIME/INVESTMENT BUYERS *** POTENTIAL H.M.O. INVESTMENT PROPERTY *** FREE OF CHAIN! *** 2 BEDROOMS + FIRST FLOOR BATHROOM *** TWO SEPARATE RECEPTION ROOMS *** CLOSE PROXIMITY TO AMENITIES SUCH AS THE DESIGNER OUTLET VILLAGE, A SHORT WALK INTO THE TOWN CENTRE AND THE RAILWAY STATION *** SOUGHT AFTER LOCATION *** ATTRIBUTES INCLUDE: MODERN CENTRAL HEATING COMBINATION BOILER AND PVCu DOUBLE GLAZING *** ON A BUY-TO-LET INVESTMENT PURCHASE, WE WOULD ESTIMATE A RENTAL FIGURE OF APPROXIMATELY £650.00 - £675.00 PER CALENDER MONTH! ***

**Directions** - Proceed to Rodbourne from the Town Centre via Faringdon Road then at the roundabout turn right onto Park Lane, continue under the bridges then proceed past the entrance to the Designer Outlet Village and at the roundabout turn left and then take the next left onto Jennings Street, follow the road down and the turning for Montagu Street will be found on your right hand side, continue along this road and the property will be found on your left hand side.

FLOOR PLANS-These are  intended as a GUIDE only.  Dimensions are approximate.  NOT TO SCALE.  We have taken every care with the preparation of these details.  They do not form any part of an offer or contract and are a guide only.  We have not tested any apparatus, equipment, fitting or services and cannot verify they are in working order.  All measurements are approximate.

## Property Photos

- ![Photo](/listings/photos/50192458/577559)
- ![Photo](/listings/photos/50192458/577561)
- ![Photo](/listings/photos/50192458/577565)
- ![Photo](/listings/photos/50192458/577578)
- ![Photo](/listings/photos/50192458/577589)
- ![Photo](/listings/photos/50192458/577595)
- ![Photo](/listings/photos/50192458/577601)
- ![Photo](/listings/photos/50192458/577606)
- ![Photo](/listings/photos/50192458/577611)

## Floorplans

- ![Floorplan 1](/listings/photos/50192458/577614) - Floorplan 1
- ![Floorplan 2](/listings/photos/50192458/577618) - Floorplan 2
- ![Floorplan 3](/listings/photos/50192458/577622) - Floorplan 3

## EPC Graphs

- ![EPC 1](/listings/photos/50192458/577625) - EPC 1
- ![EPC 2](/listings/photos/50192458/577629) - EPC 2

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #8108865
- **Address:** 107 Montagu Street, SWINDON, SN2 2HN
- **Certificate Issued:** 18/04/2011
- **Work Completed:** 21/03/2011
- **Items:** 4 window(s)

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 107 MONTAGU STREET, SWINDON, SN2 2HN | £215,000 | 31/03/2022 | Terraced |
| 107 MONTAGU STREET, SWINDON, SN2 2HN | £142,500 | 25/09/2015 | Terraced |
| 107 MONTAGU STREET, SWINDON, SN2 2HN | £77,000 | 07/07/2000 | Terraced |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 82 MONTAGU STREET, SWINDON, SN2 2HW | £257,500 | 05/01/2026 | Terraced |
| [Same street] 109 MONTAGU STREET, SWINDON, SN2 2HN | £189,000 | 11/12/2025 | Terraced |
| 60 DEBURGH STREET, SWINDON, SN2 2BX | £195,000 | 10/12/2025 | Terraced |
| 10 LINSLADE STREET, SWINDON, SN2 2BL | £238,000 | 05/12/2025 | Terraced |
| 21 HUGHES STREET, SWINDON, SN2 2ER | £238,000 | 31/10/2025 | Terraced |
| 47 PASTURE CLOSE, SWINDON, SN2 2UH | £285,000 | 20/10/2025 | Terraced |
| [Same street] 117 MONTAGU STREET, SWINDON, SN2 2HN | £200,000 | 28/08/2025 | Terraced |
| [Same street] 87 MONTAGU STREET, SWINDON, SN2 2HN | £165,000 | 20/12/2024 | Terraced |
| 81 HUGHES STREET, SWINDON, SN2 2ER | £220,000 | 22/11/2024 | Terraced |
| [Same street] 85 MONTAGU STREET, SWINDON, SN2 2HN | £215,000 | 12/04/2024 | Terraced |
| [Same street] 99 MONTAGU STREET, SWINDON, SN2 2HN | £210,000 | 16/01/2024 | Terraced |
| 58 JENNINGS STREET, SWINDON, SN2 2BD | £175,000 | 08/12/2023 | Terraced |
| 45 DEBURGH STREET, SWINDON, SN2 2BX | £245,000 | 01/12/2023 | Terraced |
| 75 BRUCE STREET, SWINDON, SN2 2EW | £247,500 | 27/11/2023 | Terraced |
| 4 ROSE STREET, SWINDON, SN2 2HJ | £246,000 | 20/11/2023 | Terraced |
| 5 HUGHES STREET, SWINDON, SN2 2ER | £195,000 | 17/11/2023 | Terraced |
| 29 MEADOW ROAD, SWINDON, SN2 2UG | £229,000 | 15/11/2023 | Terraced |
| 10 DREW STREET, SWINDON, SN2 2HP | £210,000 | 03/11/2023 | Terraced |
| 15 GROVES STREET, SWINDON, SN2 2BW | £150,000 | 20/10/2023 | Terraced |
| 15 RAYBROOK CRESCENT, SWINDON, SN2 2HR | £180,500 | 06/10/2023 | Terraced |
| 99 LINSLADE STREET, SWINDON, SN2 2BN | £187,500 | 15/09/2023 | Terraced |
| [Same street] 113 MONTAGU STREET, SWINDON, SN2 2HN | £170,000 | 01/09/2023 | Terraced |
| 30 ROSE STREET, SWINDON, SN2 2HH | £220,000 | 08/08/2023 | Terraced |
| 29 DREW STREET, SWINDON, SN2 2HP | £218,000 | 04/08/2023 | Terraced |
| 35 MONTAGU STREET, SWINDON, SN2 2HL | £170,000 | 25/07/2023 | Terraced |
| 6 LINSLADE STREET, SWINDON, SN2 2BL | £183,000 | 21/07/2023 | Terraced |
| [Same street] 101 MONTAGU STREET, SWINDON, SN2 2HN | £208,000 | 14/07/2023 | Flat |
| [Same street] 73 MONTAGU STREET, SWINDON, SN2 2HN | £210,000 | 13/03/2023 | Terraced |
| [Same street] 93 MONTAGU STREET, SWINDON, SN2 2HN | £235,000 | 14/12/2022 | Terraced |
| [Same street] 121 MONTAGU STREET, SWINDON, SN2 2HN | £208,000 | 27/04/2022 | Terraced |
| [Same street] 105 MONTAGU STREET, SWINDON, SN2 2HN | £163,500 | 21/12/2021 | Terraced |
| [Same street] 97 MONTAGU STREET, SWINDON, SN2 2HN | £175,000 | 17/09/2021 | Terraced |

**Street average:** £195,708 (12 sales)
**Area average:** £214,500 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £225,730 (57 Terraced, SN2, 2024–2026)
- **Deviation:** -35.8%

## Rental Range

*ONS Price Index of Private Rents (Swindon). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £977/mo
- **Realistic:** £1,085/mo
- **Optimistic:** £1,194/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Swindon (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £783/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Wiltshire Court, SN1 | £1,050/mo | 2 | 0.84 miles | OpenRent |

**Average rent: £1,050/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.72% (weak for cashflow)
- **Max investor price (0.8%):** £131,250
- **Target investor price (1%):** £105,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,050/mo).*

- **Gross yield:** 8.7%
- **Cost-to-rent:** 11.5×
- **Monthly cashflow:** £349/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 10%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Price per Square Metre

- **£/m²:** £2,101/m²

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 19%
- **10y growth:** 31%

## House Price Index (HM Land Registry)

*Official index for Swindon; Terraced series; as of March 2026.*

- **1y growth (index):** 1.3%
- **5y growth (index):** 17.8%
- **10y growth (index):** 40%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8 Photo 9

/ 9

Property details

Floor area

69 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£215,000 Mar 2022

Price per m²

£2,101/m²

Local average

£225,730 (-35.8%)

Deprivation

Decile 7 (22,415 of 33,755)

Street crime

423 incidents within 1 mile (Apr 2026)

Key features

Free Of Chain
2 Bedrooms + First Floor Bathroom
Popular Location
Close Proximity To Amenities
Two separate Reception Rooms
Kitchen/Breakfast Room
Fully Enclosed Rear Garden
Viewing Recommended!

Additional details

Garden: Yes

Description

* ATTENTION: ALL FIRST-TIME/INVESTMENT BUYERS * POTENTIAL H.M.O. INVESTMENT PROPERTY * FREE OF CHAIN! * 2 BEDROOMS + FIRST FLOOR BATHROOM * TWO SEPARATE RECEPTION ROOMS * CLOSE PROXIMITY TO AMENITIES SUCH AS THE DESIGNER OUTLET VILLAGE, A SHORT WALK INTO THE TOWN CENTRE AND THE RAILWAY STATION * SOUGHT AFTER LOCATION * ATTRIBUTES INCLUDE: MODERN CENTRAL HEATING COMBINATION BOILER AND PVCu DOUBLE GLAZING * ON A BUY-TO-LET INVESTMENT PURCHASE, WE WOULD ESTIMATE A RENTAL FIGURE OF APPROXIMATELY £650.00 - £675.00 PER CALENDER MONTH! *

Directions - Proceed to Rodbourne from the Town Centre via Faringdon Road then at the roundabout turn right onto Park Lane, continue under the bridges then proceed past the entrance to the Designer Outlet Village and at the roundabout turn left and then take the next left onto Jennings Street, follow the road down and the turning for Montagu Street will be found on your right hand side, continue along this road and the property will be found on your left hand side.

FLOOR PLANS-These are intended as a GUIDE only. Dimensions are approximate. NOT TO SCALE. We have taken every care with the preparation of these details. They do not form any part of an offer or contract and are a guide only. We have not tested any apparatus, equipment, fitting or services and cannot verify they are in working order. All measurements are approximate.

Listed by

Swindon, Old Town

Incentivised.com Limited

Reference: 50192458

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 16/11/2021

Expiry date: 15/11/2031

Est. upgrade cost to C: £11,500

Recommendations

Cavity wall insulation (£500 - £1,500)
Floor insulation (suspended floor) (£800 - £1,200)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

Floorplan 2

Floorplan 3

EPC Graphs

EPC 1

EPC 2

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #8108865

Property Details

Street: 107 Montagu Street

Town: SWINDON

Postcode: SN2 2HN

Installation Details

Items: 4 windows

Certificate Issued: 18/04/2011

Work Completed: 21/03/2011

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

179% since 2000

Event	Date	Price	% change
Sold	31/03/2022 (4 years ago)	£215,000	+50.9%
Sold	25/09/2015 (10 years ago)	£142,500	+85.1%
Sold	07/07/2000 (25 years ago)	£77,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
82 MONTAGU STREET, SWINDON, SN2 2HW	£257,500	05/01/2026	Terraced
Same street 109 MONTAGU STREET, SWINDON, SN2 2HN	£189,000	11/12/2025	Terraced
60 DEBURGH STREET, SWINDON, SN2 2BX	£195,000	10/12/2025	Terraced
10 LINSLADE STREET, SWINDON, SN2 2BL	£238,000	05/12/2025	Terraced
21 HUGHES STREET, SWINDON, SN2 2ER	£238,000	31/10/2025	Terraced
47 PASTURE CLOSE, SWINDON, SN2 2UH	£285,000	20/10/2025	Terraced
Same street 117 MONTAGU STREET, SWINDON, SN2 2HN	£200,000	28/08/2025	Terraced
Same street 87 MONTAGU STREET, SWINDON, SN2 2HN	£165,000	20/12/2024	Terraced
81 HUGHES STREET, SWINDON, SN2 2ER	£220,000	22/11/2024	Terraced
Same street 85 MONTAGU STREET, SWINDON, SN2 2HN	£215,000	12/04/2024	Terraced
Same street 99 MONTAGU STREET, SWINDON, SN2 2HN	£210,000	16/01/2024	Terraced
58 JENNINGS STREET, SWINDON, SN2 2BD	£175,000	08/12/2023	Terraced
45 DEBURGH STREET, SWINDON, SN2 2BX	£245,000	01/12/2023	Terraced
75 BRUCE STREET, SWINDON, SN2 2EW	£247,500	27/11/2023	Terraced
4 ROSE STREET, SWINDON, SN2 2HJ	£246,000	20/11/2023	Terraced
5 HUGHES STREET, SWINDON, SN2 2ER	£195,000	17/11/2023	Terraced
29 MEADOW ROAD, SWINDON, SN2 2UG	£229,000	15/11/2023	Terraced
10 DREW STREET, SWINDON, SN2 2HP	£210,000	03/11/2023	Terraced
15 GROVES STREET, SWINDON, SN2 2BW	£150,000	20/10/2023	Terraced
15 RAYBROOK CRESCENT, SWINDON, SN2 2HR	£180,500	06/10/2023	Terraced
99 LINSLADE STREET, SWINDON, SN2 2BN	£187,500	15/09/2023	Terraced
Same street 113 MONTAGU STREET, SWINDON, SN2 2HN	£170,000	01/09/2023	Terraced
30 ROSE STREET, SWINDON, SN2 2HH	£220,000	08/08/2023	Terraced
29 DREW STREET, SWINDON, SN2 2HP	£218,000	04/08/2023	Terraced
35 MONTAGU STREET, SWINDON, SN2 2HL	£170,000	25/07/2023	Terraced
6 LINSLADE STREET, SWINDON, SN2 2BL	£183,000	21/07/2023	Terraced
Same street 101 MONTAGU STREET, SWINDON, SN2 2HN	£208,000	14/07/2023	Flat
Same street 73 MONTAGU STREET, SWINDON, SN2 2HN	£210,000	13/03/2023	Terraced
Same street 93 MONTAGU STREET, SWINDON, SN2 2HN	£235,000	14/12/2022	Terraced
Same street 121 MONTAGU STREET, SWINDON, SN2 2HN	£208,000	27/04/2022	Terraced
Same street 105 MONTAGU STREET, SWINDON, SN2 2HN	£163,500	21/12/2021	Terraced
Same street 97 MONTAGU STREET, SWINDON, SN2 2HN	£175,000	17/09/2021	Terraced

Street average: £195,708 (12 sales)

Area average: £214,500 (20 sales)

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth 19%

10y growth 31%

House Price Index (HM Land Registry — official index, not sold-price averages): Swindon. Series: Terraced. As of March 2026.

1y (index) 1.3%

5y (index) 17.8%

10y (index) 40%

Rental Range

Estimated market rent for Swindon. Low = conservative, Realistic = average, Optimistic = best case.

Low £977/mo

Realistic £1,085/mo

Optimistic £1,194/mo

Based on Local Authority from postcode lookup → Swindon.

LHA (30th percentile) floor for Swindon: £783/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SN2 2HN

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Shop	Morrison Food And Wine	0.1 miles
Bus stop	Meadow Road	0.2 miles
Shop	Home Bargains	0.2 miles
Bus stop	The Dolphin	0.3 miles
University	Royal Agricultural University (Cultural Heritage Institute)	0.7 miles
Train station	Swindon	0.9 miles
Hospital	Marlborough House	1.1 miles
Train station	Taw Valley Halt	2.2 miles
Hospital	The Ridgeway Hospital	2.8 miles

Street-level crime

Category	Count
Violence and sexual offences	111
Anti-social behaviour	78
Shoplifting	53
Criminal damage and arson	43
Vehicle crime	41
Public order	26
Other theft	20
Drugs	12
Bicycle theft	10
Burglary	8
Robbery	8
Other crime	5
Possession of weapons	5
Theft from the person	3
Total incidents	423

Within 1 mile during Apr 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Even Swindon Primary School	Primary	0.2 miles	Good — 9 Jan 2015
UTC Swindon	Secondary	0.6 miles	Requires improvement — 25 Jun 2024
Robert Le Kyng Primary School	Primary	0.6 miles	Good — 12 Oct 2011
Ferndale Primary School & Nursery	Primary	0.8 miles	Good — 28 Feb 2014
Westlea Primary School	Primary	0.8 miles	Good — 18 Jul 2023

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Flat, Wiltshire Court, SN1	£1,050/mo	2	0.84 miles	OpenRent

Average rent: £1,050/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.72%

Max investor price (0.8%) £131,250

Target investor price (1%) £105,000

Gross yield 8.7%

Cost-to-rent ratio 11.5×

Monthly cashflow £349/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 10%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Download brochure