Hafan HomesHafan Homes
Front of 4 Gaen Street, a rendered terraced house with a bay window, new anthracite windows and a grey composite front door

For sale with vacant possession · Abertillery NP13 1PT

Your first home, finished and ready.

£124,750 freehold

  • 3 bedrooms
  • 2 reception rooms
  • No chain
  • Council tax band A
  • No Land Transaction Tax

A three bedroom terrace renovated from top to bottom in 2020. New kitchen, new bathroom, new windows and doors, rewired, replastered and carpeted. Nothing to do but move in.

Book a viewing See what it costs to own

Viewings and offers through Asset Estates, Abertillery · 01495 211 311

Why this house suits a first-time buyer

Cheaper to own than to rent

A similar house in Abertillery rents for £575 to £650 a month. With a 10 per cent deposit the mortgage on this one works out at about £645 a month. Check the numbers for yourself below.

No tax on the purchase

In Wales there is no Land Transaction Tax on a home under £225,000. At £124,750 you pay nothing. Council tax is band A, the lowest band in Blaenau Gwent.

Done properly, in 2020

Hafan Homes renovated the house throughout and it has been lived in and looked after since. High ceilings, light rooms, a proper dining room and a garden with two sheds.

What it really costs to buy this house

Move the sliders to match your situation. The figures update as you go. They are illustrations to help you plan, not a mortgage offer. A broker will confirm what you can borrow and the rate you would get.

10% · £12,475

Most first-time buyer mortgages start at a 5 per cent deposit. A bigger deposit usually means a lower rate.

5.60%

Typical five year fixed rate for a 10 per cent deposit in early October 2026. Best buys were around 5.1 to 5.3 per cent.

30 years

A longer term lowers the monthly payment but costs more interest overall.

£600 a month

So you can compare like for like.

Monthly mortgage payment

£645

About £45 a month more than your rent. It is buying you a house.

Mortgage needed£112,275
Income a lender may wantabout £25,000
Interest over the term£119,900
Land Transaction Tax£0

Money you need on the day

This is the part most people do not get told until late. Here is the whole list for this house.

Deposit£12,475Goes towards the price. Can come from savings, a Lifetime ISA or family help.
Land Transaction Tax£0Wales charges nothing under £225,000.
Solicitor and searchesabout £1,200Conveyancing, local searches, Land Registry fee. Get two quotes.
Survey£0 to £500The lender's valuation is usually free. A HomeBuyer report is optional and sensible.
Mortgage fee£0 to £999Many first-time buyer deals have no fee. Where there is one it can be added to the loan.
Moving inabout £300Van hire or removals. And a kettle.
Roughly in total£14,000 to £14,500With a 10 per cent deposit. Move the deposit slider and this changes.

Figures are rounded and based on typical charges in October 2026. Your solicitor, broker and lender will give you exact numbers before you commit to anything. Rates and rules change, so check the date on this page.

Help that is available

  • Lifetime ISA. Save up to £4,000 a year and the government adds 25 per cent. Can be used on a first home under £450,000, so this one qualifies.
  • 5 per cent deposit mortgages. Widely available again. A 5 per cent deposit on this house is £6,237.50.
  • Speak to a broker first. A whole-of-market broker costs nothing in most cases and will tell you in an hour what you can borrow. Mention the takeaway next door at the same time. A lender has already valued and been happy with it, so it is not a problem, just a detail worth saying early.

Watch the renovation

From empty shell to finished home. Filmed by Hafan Homes in 2020.

Photos

Photographed after the 2020 renovation. The house is now empty and ready to view.

Front elevation with bay window, new anthracite windows and composite door Living room with large bay window looking onto Gaen Street Dining room with table and chairs and a window to the rear Range cooker with black tiled splashback in the kitchen Electric stove set into the chimney breast of the living room Double bedroom with window, radiator and fitted wardrobe doors Second bedroom with window and grey carpet Third bedroom, freshly decorated with grey carpet Staircase with white painted spindles seen from the landing First floor landing with grey carpet Entrance hall with front door and coir matting View of the hillside above Abertillery from Gaen Street Gaen Street at sunset with the mountain lit orange behind

Room by room

Entrance hall
Composite front door, stairs to the first floor.
Living room
3.22 m x 3.44 m. Bay window to the front, electric stove in the chimney breast.
Dining room
3.29 m x 4.51 m. A second reception room, window to the rear, opens to the kitchen.
Kitchen
3.07 m x 2.69 m. Fitted units, range cooker, tiled floor and splashback.
Bathroom
2.15 m x 1.67 m. Ground floor, bath with shower over, basin and WC.
Bedroom one
4.6 m x 3.2 m. Double, to the front.
Bedroom two
2.5 m x 3.33 m. To the rear.
Bedroom three
3.31 m x 2.7 m. A real third bedroom, not a box room.
Outside
Rear garden with patio, lawn and two storage sheds. On-street parking.
Floor plan of 4 Gaen Street showing living room, dining room, kitchen and bathroom on the ground floor and three bedrooms on the first floor
Floor plan. Measurements are approximate.

Abertillery and getting about

Trains and roads

Llanhilleth station is a short drive and runs direct to Newport and Cardiff. The A467 joins the A465 Heads of the Valleys road to the north and the M4 to the south. Newport is about 35 minutes by car, Cardiff about 50.

Day to day

Supermarkets, a leisure centre with a pool, primary and secondary schools, GP surgeries and the town centre are all within a few minutes. The house is in a quiet street above the town.

Out of the door

The valley sides, forestry tracks and the Ebbw Fach trail start at the end of the street. Big views, proper walks and a sunset over the mountain most evenings.

Open the map. Pin shows the postcode area; Asset Estates will give you the exact spot when you book.

The facts, all in one place

Everything a buyer should know before viewing, including the things people usually have to ask for.

Price
£124,750
Tenure
Freehold
Possession
Vacant. No chain. Keys held by Asset Estates
Council tax
Band A, Blaenau Gwent County Borough Council
EPC
Rating D
Heating
Gas central heating, combination boiler
Utilities
Mains gas, electricity, water and sewerage
Broadband and mobile
Check your provider for the postcode NP13 1PT
Parking
On street
Construction
Traditional stone and brick terrace, rendered, pitched slate roof
Renovation
Completed 2020 by Hafan Homes. Kitchen, bathroom, windows, doors, electrics, plastering, decoration and flooring
Next door
The property adjoins a takeaway. It has already been through a mortgage valuation with a mainstream lender without any issue, so it is possible and not a problem. Tell your broker at the start and Asset Estates can share the details
Flood risk
Check the Natural Resources Wales flood map for NP13 1PT before you commit
Agent
Asset Estates, Abertillery. Agent's brochure

Book a viewing

Asset Estates hold the keys and will show you round. Tell them you saw the house on the Hafan Homes page and ask about the first-time buyer figures above.

Asset Estates

4 Church Street, Abertillery, Blaenau Gwent NP13 1DA

Call 01495 211 311 Email the agent

Open Monday to Friday 9am to 5.30pm and Saturday 9am to 1pm. assetestates.co.uk