103 Fulbridge Road, Peterborough, PE1 3LD
Estimate of £250k for this detached bungalow. 302 sales in PE1 in the last 12 months; median £205k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£230,000
- SDLT standard£2,100
- SDLT BTL surcharge (5%)£11,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£245,700
Funding
- Deposit (25%)£57,500
- Mortgage (75% LTV)£172,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£73,200
Monthly Returns
- Monthly Rent (estimate)£1,200
- Mortgage Payment (IO)-£755
- Management (10%)-£120
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£225
Capital Returns
- 5yr Property Value£272,509
- 5yr Capital Gain (3.45% pa, historical)+£42,509
- 5yr Cumulative Rent (net)+£61,450
- Less mortgage interest-£45,300
- 5yr Total Return+£58,659
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 | £237,935 | £65,435 | +£2,700 | +£10,635 | 14.5% |
| Year 2 | £246,144 | £73,644 | +£5,664 | +£21,808 | 29.8% |
| Year 3 | £254,636 | £82,136 | +£8,886 | +£33,521 | 45.8% |
| Year 4 | £263,421 | £90,921 | +£12,383 | +£45,804 | 62.6% |
| Year 5 | £272,509 | £100,009 | +£16,150 | +£58,659 | 80.1% |
Modelled on the live asking price. Capital growth 3.45% a year is the PE1 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 (£73,200).
Price Forecast
No forecast available.