Auction Watch

Lot 14 Auction House Northants, Beds & Bucks Thu 12 Nov Guide £250,000+

Auction House Northants, Beds & Bucks auction lot105 Harwoods Road, Watford, Hertfordshire WD18 7RL

3 bed terraced house (WD18 7RL), for sale by auction with Auction House Northants, Beds & Bucks on 12 November 2026, lot 14. Guide £250,000+.

Finance view and instant termsGet the free reportStreet View ↗

Finance view

Good

Lendable, with points a lender will check first. The loan that fits: Purchase bridge, as this is a home that can be let or sold as it is.

Likely loan
Up to 75% of the priceOn the purchase price
On the expected hammer
About £216,000The guide plus 15%
Example rate
0.75% to 0.95% a monthArrangement fee about 2%

In its favour

  • Inside the M25 (Watford): the area lenders know best
  • Flood zone 1 (low risk)
  • Freehold
  • Sold vacant
  • Valued on 10 nearby sales of similar homes

What a lender will look at

  • Check A takeaway next door: some lenders will not lend on flats beside or above one

If you let it

Typical rent about £1,830 a month, a gross yield of 7.6% on the expected hammer. The rent supports a 75% buy-to-let mortgage (up to about £319,000), so refinancing out of a bridge works on these figures.

ONS average for a 3-bed home in Watford, Sept 2026. Refinance test: rent covers the interest 125% at a 5.5% stress rate, as lenders test a limited company; personal borrowers are often tested harder.

What a lender will ask you for on a purchase bridge
  • Photo ID and proof of address
  • Proof of your deposit and where it came from
  • The legal pack, read by your solicitor before you bid
  • Your exit plan: sale or refinance, with evidence (comparables, or a mortgage in principle)
  • A valuation, which the lender instructs
Get instant terms on this lot

We have access to lending of up to 75% of the purchase price, with up to 100% of the build cost. Tell us about the lot and we can put you in touch. Ratings and figures are a guide from the published facts, not an offer of finance or advice. Surroundings from OpenStreetMap (© OpenStreetMap contributors); stations from NaPTAN.

Closest comparables

The nearest sales of homes like this one in the last two years, from HM Land Registry, graded the way a lender reads them. 302 similar sales within 1.5 km.

  1. Strong £355,000 Jun 2026

    141 Chester Road, Watford, WD18 0RE (terraced house)

    The same kind of home, 98 m away, sold 5 months ago.

  2. Strong £455,000 Feb 2026

    146 Harwoods Road, Watford, WD18 7RN (terraced house)

    The same kind of home, 37 m away, sold 9 months ago.

  3. Strong £375,000 Mar 2026

    139 Chester Road, Watford, WD18 0RE (terraced house)

    The same kind of home, 98 m away, sold 8 months ago.

On the market now

Asking prices for 3-bed houses in WD18 on the property portals: their listings, opened in a new tab.

Rightmove ↗Zoopla ↗OnTheMarket ↗

Also at auction nearby

Sold prices: HM Land Registry Price Paid data, Crown copyright, Open Government Licence. Floor areas: the EPC register. Contains OS data © Crown copyright (Code-Point Open).

Lot details

Auction
Auction House Northants, Beds & BucksThu 12 Nov, lot 14
Guide price
Guide £250,000+Expected hammer is usually higher
Property
3 bed terraced house | Freehold
Tenure
Freehold
Occupancy
Vacant
Floor area
710 sq ftConfirmed from the EPC
Sold nearby
£500 per sq ftMedian of 10 similar sales near this lot with a known floor area, last 2 years (HM Land Registry, EPC)
Planning
No conservation area or listing foundFrom planning.data.gov.uk, at the lot's postcode
Flood risk
Zone 1: lowEnvironment Agency flood map zone, at the lot's postcode

Auction finance snapshot

25% deposit required
£62,500
75% estimated bridging loan
£187,500

On the guide price. Lots usually sell above the guide: at the expected hammer (1.15× guide) the deposit would be £71,875. Stamp duty, the buyer's fee, legal costs and the lender's fees come on top. Illustrative only, not an offer of finance.

Get a decision in principle for bridging How much could you borrow?

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The report on this lot: free

  • Deal grade, A to E, with the working
  • Maximum bid on the refurb and the conversion route
  • Value after works and build cost
  • Profit at every hammer price, and a stress test
  • Sold comparables matched to floor areas
  • The legal pack: what it says and what to check

Prepared for this lot and emailed to you. Free, guidance not advice.

Listing and legal pack on Auction House Northants, Beds & Bucks' site ↗

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How often

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