2 bedroom terrace, Queens Gardens, Belfast
Belfast, BT1 2ED
Added 24 Jul 2026
£230,000
Guide price
Bedrooms
2
Bathrooms
1
Size
988 sqft
Type
terrace
Match
78%
- TenureFreehold
- Council taxBand B
- EPCE
- ParkingOn Street
- GardenRear Garden
About this home
Key features
- Cast-iron radiators
- Fitted kitchen
- Original fireplace
- Period features
- Rear garden
- Wooden floors
- On-street parking
- Rear garden
- EPC rating E
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.
£1,546/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand B£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band B
- Year built
- 1980
- Heating
- Electric
- Parking
- On Street
- Garden
- Rear Garden
Energy performance
- A
- B
- C
- D
- EScore 44
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
988 sqft
≈ 92 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- 0.8 mi
Parkway Station
Tube
- 0.8 mi
Junction
Overground
- 1.3 mi
Victoria
Rail
- 1.4 mi
High Street
Overground
Commute highlights
Estimated travel times to major UK hubs
Edinburgh Waverley
142.8 mi away
Manchester Piccadilly
168.7 mi away
Leeds
185.4 mi away
Birmingham New Street
220.8 mi away
Bristol Temple Meads
258 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.1 mi
Supermarket
Co-op
- 🏋️0.8 mi
Gym
The Gym Group
- 🌳0.8 mi
Park
Riverside Gardens
- 🩺0.5 mi
GP surgery
St Andrew's Medical
- 🍽️0.9 mi
Restaurants
Village square
- ☕0.5 mi
Café
Kaffeine
Commute time
Estimate the journey from Belfast, BT1 2ED 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: LimitedOutdoor: Limited
- O2Indoor: GoodOutdoor: Limited
- ThreeIndoor: LimitedOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Belfast, BT1 2ED.
Area average
£216,967
This home +6%
12m change
+0.1%
Sold prices
Avg £/sqft
£699
This home £233
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
£1,741 /mo
£20,892 per year — indicative estimate.
- Mortgage£1,180/mo10% deposit · 4.75% · 25 yr68%
- Council tax (Band B)£146/moIndicative England average8%
- Buildings insurance£23/mo~0.12% of value / yr1%
- Maintenance & repairs£192/mo~1.00% of value / yr11%
- Utilities (energy + water)£200/moOfgem typical dual-fuel11%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£1,180
Loan £207,000 · Deposit £23,000 (10%)
£361/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £147,043
- Total paid
- £354,043
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
£2,100
Effective rate 0.91% on £230,000
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
£272,500
Loan up to £247,500 + £25,000 deposit · capped by income (4.5× LTI)
This listing
£230,000
£42,500 headroom · repayment £1,069/mo
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £1,069 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.9%
Affordability summary
Looks affordableYour inputs clear the lender cap, monthly budget and upfront cash checks.
Monthly all-in
£1,280 /mo
£1,069 mortgage + £211 running · 28% of gross pay
Upfront cash
£30,499
£25,000 deposit + £2,100 SDLT + £3,399 fees
Lender check
Passes
Need £205,000 · max on income £247,500
- Loan of £205,000 is within the 4.5× income cap
- Monthly all-in (£1,280) sits within your 35% repayment cap
- Upfront cash needed (£30,499) 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.
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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
6.52%
Net yield
1.07%
Monthly cashflow
£206
ROI on cash
3.4%
Sensitivity
Rent −10%
£107/mo · 0.56%
Rent +10%
£304/mo · 1.59%
Rate +1%
£62/mo · 0.32%
Rate −1%
£350/mo · 1.82%
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)
113
/ 1k residents
High▲ 1.3% vs previous year
Broadband
808 Mbps
Up to 160 Mbps upload9 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | None | Good | Good | Good |
| O2 | Good | Limited | Limited | Good |
| Three | Good | Limited | Good | Good |
| Vodafone | Good | Good | Good | Good |
Planning applications
1within 250 m in the last 12 months
- Withdrawn
Front porch and boundary wall
2026/9085/HH · 22 May 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
- B
- 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 Belfast, BT1 2ED and comparable homes nearby.
Property history
Jul 2020
Sold
£163,000
Sold nearby
Avg £229,500
34 Linden Road
Flat · 1 bed · 0.05 mi · Jan 2025
£194,000
89 Ash Street
Terraced · 2 bed · 0.06 mi · Oct 2024
£264,000
72 Poplar Terrace
Detached · 1 bed · 0.07 mi · May 2026
£274,000
31 Hazel Road
Semi-detached · 3 bed · 0.32 mi · Apr 2026
£222,000
11 Ivy Road
Detached · 1 bed · 0.46 mi · Oct 2024
£202,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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