1 Scott Grove, Hartlepool, TS25 4NL
Estimate of £91k for this mid terrace house. 443 sales in TS25 in the last 12 months; median £125k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£89,950
- SDLT standard£0
- SDLT BTL surcharge (5%)£4,498
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£96,548
Funding
- Deposit (25%)£22,488
- Mortgage (75% LTV)£67,462
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£29,086
Monthly Returns
- Monthly Rent (estimate)£700
- Mortgage Payment (IO)-£295
- Management (10%)-£70
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£235
Capital Returns
- 5yr Property Value£112,416
- 5yr Capital Gain (4.56% pa, historical)+£22,466
- 5yr Cumulative Rent (net)+£33,346
- Less mortgage interest-£17,700
- 5yr Total Return+£38,112
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 | £94,052 | £26,589 | +£2,820 | +£6,922 | 23.8% |
| Year 2 | £98,340 | £30,878 | +£5,796 | +£14,186 | 48.8% |
| Year 3 | £102,825 | £35,362 | +£8,919 | +£21,794 | 74.9% |
| Year 4 | £107,514 | £40,051 | +£12,206 | +£29,769 | 102.4% |
| Year 5 | £112,416 | £44,954 | +£15,646 | +£38,112 | 131.0% |
Modelled on the live asking price. Capital growth 4.56% a year is the TS25 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 (£29,086).
Price Forecast
No forecast available.