3 bedroom apartment, Prospect Terrace, Islington
Islington, N7 5AA
Added 21 Jul 2026
£585,000
Guide price
Bedrooms
3
Bathrooms
1
Size
1,196 sqft
Type
apartment
Match
73%
- TenureLeasehold
- Council taxBand F
- EPCD
- ChainChain-free
- ParkingDriveway
- GardenNone
About this home
Key features
- 24/7 security
- Balcony
- Concierge service
- Secure bike storage
- Underfloor heating
- Video entry
- Driveway parking
- None
- Chain free
- EPC rating D
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£4,016/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand F£Service charge
KnownReported by agent£Ground rent
KnownReported by agent£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Leasehold
- Council tax
- Band F
- Year built
- 1932
- Heating
- Air Source Heat Pump
- Parking
- Driveway
- Garden
- None
- Chain
- Chain-free
Energy performance
- A
- B
- C
- DScore 67
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,196 sqft
≈ 111 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 1.5 mi
High Street Station
Rail
- 1.8 mi
Riverside Station
Rail
- 1.8 mi
Parkway
Rail
- 3.3 mi
Victoria Station
Overground
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
0.9 mi away
Birmingham New Street
100.7 mi away
Bristol Temple Meads
106.1 mi away
Manchester Piccadilly
161.9 mi away
Leeds
168.3 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.2 mi
Supermarket
Co-op
- 🏋️0.5 mi
Gym
Fitness First
- 🌳0.5 mi
Park
Victoria Park
- 🩺0.5 mi
GP surgery
The Health Practice
- 🍽️0.6 mi
Restaurants
Village square
- ☕0.9 mi
Café
Kaffeine
Commute time
Estimate the journey from Islington, N7 5AA to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: GoodOutdoor: Good
- VodafoneIndoor: GoodOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Islington, N7 5AA.
Area average
£672,601
This home -13%
12m change
+1%
Sold prices
Avg £/sqft
£483
This home £489
Buyer demand
High
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Leasehold · estimated running costs (all editable).
Total monthly cost
£3,891 /mo
£46,691 per year — indicative estimate.
- Mortgage£3,002/mo10% deposit · 4.75% · 25 yr77%
- Council tax (Band F)£271/moIndicative England average7%
- Service charge£157/moFrom listing4%
- Ground rent£18/moFrom listing0%
- Maintenance & repairs£244/mo~0.50% of value / yr6%
- Utilities (energy + water)£200/moOfgem typical dual-fuel5%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£3,002
Loan £526,500 · Deposit £58,500 (10%)
£918/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £374,000
- Total paid
- £900,500
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£19,250
Effective rate 3.29% on £585,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£306,500
Loan up to £247,500 + £59,000 deposit · capped by income (4.5× LTI)
This listing
£585,000
Short by £278,500 · needs income ~£116,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £2,744 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.1%
Affordability summary
StretchYou'd need about £116,889/yr income or £278,500 more deposit.
Monthly all-in
£3,280 /mo
£2,744 mortgage + £536 running · 72% of gross pay
Upfront cash
£82,172
£59,000 deposit + £19,250 SDLT + £3,922 fees
Lender check
Too big
Need £526,000 · max on income £247,500
- Loan needed (£526,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£3,280) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£82,172) leaves little for reserves — plan for surveys, SDLT and fees
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Tenure & lease
Tenure
leasehold
Lease remaining
106 years
Service charge
£1,882 / year
Ground rent
£211 / year
Investment potential
Would this stack up as a buy-to-let?
Open ▾
Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
2.56%
Net yield
-1.97%
Monthly cashflow
£-959
ROI on cash
-5.8%
Sensitivity
Rent −10%
£-1,058/mo · -2.17%
Rent +10%
£-860/mo · -1.76%
Rate +1%
£-1,325/mo · -2.72%
Rate −1%
£-593/mo · -1.22%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
99
/ 1k residents
Medium▲ 7.4% vs previous year
Broadband
62 Mbps
Up to 30 Mbps upload5 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Limited | Good | Good | Good |
| O2 | Good | Good | Good | Good |
| Three | Good | None | Limited | Good |
| Vodafone | Good | None | Limited | Limited |
Planning applications
1within 250 m in the last 12 months
- Pending
Replacement windows (conservation)
2026/6947/HH · 14 Jun 2026
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- leasehold
- Council tax band
- F
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Islington, N7 5AA and comparable homes nearby.
Property history
Aug 2020
Sold
£451,000
+47.9% vs previous
Aug 2018
Sold
£305,000
Sold nearby
Avg £629,333
44 Rowan Close
Semi-detached · 4 bed · 0.22 mi · Mar 2025
£552,000
29 Ash Close
Terraced · 2 bed · 0.25 mi · Nov 2024
£682,000
39 Chestnut Terrace
Terraced · 3 bed · 0.26 mi · Feb 2026
£725,000
170 Beech Lane
Terraced · 3 bed · 0.48 mi · Mar 2026
£613,000
143 Chestnut Road
Terraced · 4 bed · 0.51 mi · Sept 2024
£599,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
Buying, viewing and fees — Islington, N7 5AA
How do I book a viewing at 3 bedroom apartment, Prospect Terrace, Islington, Islington, N7 5AA?⌄
Use the "Book a viewing" button on this listing to pick a date and time. Your request goes straight to the marketing agent, who confirms the slot by email and text — usually within one working day. Accompanied viewings are free and you can request an evening or weekend appointment.
What fees do I pay when buying 3 bedroom apartment, Prospect Terrace, Islington, Islington, N7 5AA?⌄
The asking price is £585,000. On top of that budget for stamp duty land tax, conveyancing (typically £900–£2,000), a survey (£400–£1,500), mortgage arrangement fees and removals. Gaffbee is free for buyers — you pay nothing to enquire, view or make an offer.
What happens after my offer is accepted?⌄
the marketing agent issues a memorandum of sale and the property is marked sold subject to contract. Your solicitor begins searches and enquiries while your lender arranges a valuation and formal mortgage offer. On average exchange and completion take 12–16 weeks; the sale becomes legally binding at exchange of contracts.
Am I eligible to buy this property?⌄
You'll normally need a mortgage in principle or proof of funds before an offer is accepted. Lenders typically advance 4–4.5x income and expect a 5–10% deposit; note this property is leasehold, which affects lender criteria and monthly costs. Cash buyers, first-time buyers and chain-free buyers can all offer on this listing.
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