109 Berw Road, Pontypridd, CF37 2AB
Estimate of £180k for this mid terrace property. 380 sales in CF37 in the last 12 months; median £150k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£240,000
- SDLT standard£2,300
- SDLT BTL surcharge (5%)£12,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£256,400
Funding
- Deposit (25%)£60,000
- Mortgage (75% LTV)£180,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£76,400
Monthly Returns
- Monthly Rent (estimate)£1,250
- Mortgage Payment (IO)-£788
- Management (10%)-£125
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£237
Capital Returns
- 5yr Property Value£287,948
- 5yr Capital Gain (3.71% pa, historical)+£47,948
- 5yr Cumulative Rent (net)+£64,249
- Less mortgage interest-£47,280
- 5yr Total Return+£64,917
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 | £248,904 | £68,904 | +£2,844 | +£11,748 | 15.4% |
| Year 2 | £258,138 | £78,138 | +£5,952 | +£24,090 | 31.5% |
| Year 3 | £267,715 | £87,715 | +£9,342 | +£37,057 | 48.5% |
| Year 4 | £277,648 | £97,648 | +£13,008 | +£50,656 | 66.3% |
| Year 5 | £287,948 | £107,948 | +£16,969 | +£64,917 | 85.0% |
Modelled on the live asking price. Capital growth 3.71% a year is the CF37 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 (£76,400).
Price Forecast
No forecast available.