1 Agden House, 4 Holyrood Avenue, Sheffield, S10 4NW
Estimate of £249k for this flat/maisonette. 442 sales in S10 in the last 12 months; median £302k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£250,000
- SDLT standard£2,500
- SDLT BTL surcharge (5%)£12,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£267,100
Funding
- Deposit (25%)£62,500
- Mortgage (75% LTV)£187,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£79,600
Monthly Returns
- Monthly Rent (estimate)£1,100
- Mortgage Payment (IO)-£820
- Management (10%)-£110
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow, before lease costs (not stated)+£70
Capital Returns
- 5yr Property Value£274,670
- 5yr Capital Gain (1.90% pa, historical)+£24,670
- 5yr Cumulative Rent (net, before lease costs)+£55,829
- Less mortgage interest-£49,200
- 5yr Total Return (before lease costs)+£31,299
Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £254,750 | £67,250 | +£840 | +£5,590 | 7.0% |
| Year 2 | £259,590 | £72,090 | +£1,920 | +£11,510 | 14.5% |
| Year 3 | £264,522 | £77,022 | +£3,245 | +£17,768 | 22.3% |
| Year 4 | £269,548 | £82,048 | +£4,809 | +£24,358 | 30.6% |
| Year 5 | £274,670 | £87,170 | +£6,629 | +£31,299 | 39.3% |
Modelled on the live asking price. Capital growth 1.90% a year is the S10 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£79,600).
Price Forecast
No forecast available.