1 Llechrhyd Terrace, Builth Road, Builth Wells, LD2 3PY
Estimate of £123k for this end terrace house. 41 sales in LD2 in the last 12 months; median £315k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£280,000
- SDLT standard£4,000
- SDLT BTL surcharge (5%)£14,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£300,100
Funding
- Deposit (25%)£70,000
- Mortgage (75% LTV)£210,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£90,100
Monthly Returns
- Monthly Rent (estimate)£600
- Mortgage Payment (IO)-£919
- Management (10%)-£60
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£479
Capital Returns
- 5yr Property Value£420,055
- 5yr Capital Gain (8.45% pa, historical)+£140,055
- 5yr Cumulative Rent (net)+£27,725
- Less mortgage interest-£55,140
- 5yr Total Return+£112,640
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.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £303,660 | £93,660 | -£5,748 | +£17,912 | 19.9% |
| Year 2 | £329,319 | £119,319 | -£11,364 | +£37,955 | 42.1% |
| Year 3 | £357,147 | £147,147 | -£16,845 | +£60,302 | 66.9% |
| Year 4 | £387,326 | £177,326 | -£22,200 | +£85,125 | 94.5% |
| Year 5 | £420,055 | £210,055 | -£27,415 | +£112,640 | 125.0% |
Modelled on the live asking price. Capital growth 8.45% a year is the LD2 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. ROI is on cash required (£90,100).
Price Forecast
No forecast available.