2 bedroom cottage, Regent Place, Islington
Islington, N5 4LP
Added 21 Jul 2026
£1,315,000
Guide price
Bedrooms
2
Bathrooms
2
Size
858 sqft
Type
cottage
Match
72%
- TenureFreehold
- Council taxBand E
- EPCC
- ParkingDriveway
- GardenCommunal Garden
About this home
Key features
- Country kitchen
- Exposed beams
- Log burner
- Oil central heating
- Original fireplace
- Slate roof
- Driveway parking
- Communal garden
- EPC rating C
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.
£8,276/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand E£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band E
- Year built
- 1900
- Heating
- Electric
- Parking
- Driveway
- Garden
- Communal Garden
Energy performance
- A
- B
- CScore 76
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
858 sqft
≈ 80 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- 1.4 mi
Junction Station
Tram
- 1.6 mi
Kings Road
Overground
- 2.4 mi
Bridge Road
Rail
- 2.6 mi
Central
Rail
Commute highlights
Estimated travel times to major UK hubs
London Kings Cross
1.5 mi away
Birmingham New Street
101.3 mi away
Bristol Temple Meads
107.3 mi away
Manchester Piccadilly
162.3 mi away
Leeds
168.5 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.4 mi
Supermarket
Sainsbury's Local
- 🏋️1.0 mi
Gym
PureGym
- 🌳0.7 mi
Park
Riverside Gardens
- 🩺0.7 mi
GP surgery
Parkside Surgery
- 🍽️0.6 mi
Restaurants
Riverside cafés
- ☕0.8 mi
Café
The Roastery
Commute time
Estimate the journey from Islington, N5 4LP 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: LimitedOutdoor: Good
- VodafoneIndoor: GoodOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: LimitedOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Islington, N5 4LP.
Area average
£1,239,883
This home +6%
12m change
+0.5%
Sold prices
Avg £/sqft
£791
This home £1533
Buyer demand
Steady
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£8,404 /mo
£100,842 per year — indicative estimate.
- Mortgage£6,747/mo10% deposit · 4.75% · 25 yr80%
- Council tax (Band E)£229/moIndicative England average3%
- Buildings insurance£131/mo~0.12% of value / yr2%
- Maintenance & repairs£1,096/mo~1.00% of value / yr13%
- Utilities (energy + water)£200/moOfgem typical dual-fuel2%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£6,747
Loan £1,183,500 · Deposit £131,500 (10%)
£2,063/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £840,702
- Total paid
- £2,024,202
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
£75,250
Effective rate 5.72% on £1,315,000
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
£379,500
Loan up to £247,500 + £132,000 deposit · capped by income (4.5× LTI)
This listing
£1,315,000
Short by £935,500 · needs income ~£262,889/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £6,171 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £262,889/yr income or £935,500 more deposit.
Monthly all-in
£7,376 /mo
£6,171 mortgage + £1,205 running · 161% of gross pay
Upfront cash
£212,472
£132,000 deposit + £75,250 SDLT + £5,222 fees
Lender check
Too big
Need £1,183,000 · max on income £247,500
- Loan needed (£1,183,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£7,376) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£212,472) 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.
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
1.14%
Net yield
-3.06%
Monthly cashflow
£-3,354
ROI on cash
-8.5%
Sensitivity
Rent −10%
£-3,453/mo · -3.15%
Rent +10%
£-3,256/mo · -2.97%
Rate +1%
£-4,176/mo · -3.81%
Rate −1%
£-2,532/mo · -2.31%
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)
117
/ 1k residents
High▲ 8.1% vs previous year
Broadband
764 Mbps
Up to 159 Mbps upload5 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | None | Good | Good |
| O2 | Good | Limited | Good | Good |
| Three | Good | Good | Good | Good |
| Vodafone | Limited | None | Good | Good |
Planning applications
11within 250 m in the last 12 months
- Refused
Two-storey side extension
2026/3001/HH · 21 Jan 2026
- Withdrawn
Loft conversion with rear dormer
2026/6426/HH · 3 Feb 2026
- Refused
Demolition of garage and new dwelling
2026/8281/HH · 28 Feb 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
- freehold
- Council tax band
- E
- 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, N5 4LP and comparable homes nearby.
Property history
Sept 2022
Sold
£1,044,000
+45.2% vs previous
Feb 2018
Sold
£719,000
Sold nearby
Avg £1,427,667
136 Hazel Avenue
Flat · 1 bed · 0.16 mi · Feb 2025
£1,238,000
174 Poplar Close
Terraced · 3 bed · 0.2 mi · Apr 2026
£1,472,000
46 Cedar Gardens
Flat · 2 bed · 0.22 mi · Dec 2025
£1,572,000
83 Linden Gardens
Detached · 2 bed · 0.29 mi · Jun 2026
£1,581,000
145 Sycamore Gardens
Flat · 3 bed · 0.32 mi · Feb 2025
£1,236,000
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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, N5 4LP
How do I book a viewing at 2 bedroom cottage, Regent Place, Islington, Islington, N5 4LP?⌄
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 2 bedroom cottage, Regent Place, Islington, Islington, N5 4LP?⌄
The asking price is £1,315,000. 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 freehold, 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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