11 Aberfoyle, Ouston, Chester le Street, DH2 1RH
Estimate of £198k for this property. 347 sales in DH2 in the last 12 months; median £140k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£170,000
- SDLT standard£900
- SDLT BTL surcharge (5%)£8,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£181,500
Funding
- Deposit (25%)£42,500
- Mortgage (75% LTV)£127,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£54,000
Monthly Returns
- Monthly Rent (estimate)£1,050
- Mortgage Payment (IO)-£558
- Management (10%)-£105
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow, before lease costs (not stated)+£287
Capital Returns
- 5yr Property Value£180,270
- 5yr Capital Gain (1.18% pa, historical)+£10,270
- 5yr Cumulative Rent (net, before lease costs)+£53,019
- Less mortgage interest-£33,480
- 5yr Total Return (before lease costs)+£29,808
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 | £172,006 | £44,506 | +£3,444 | +£5,450 | 10.1% |
| Year 2 | £174,036 | £46,536 | +£7,116 | +£11,152 | 20.7% |
| Year 3 | £176,089 | £48,589 | +£11,021 | +£17,110 | 31.7% |
| Year 4 | £178,167 | £50,667 | +£15,164 | +£23,331 | 43.2% |
| Year 5 | £180,270 | £52,770 | +£19,539 | +£29,808 | 55.2% |
Modelled on the live asking price. Capital growth 1.18% a year is the DH2 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 (£54,000).
Price Forecast
No forecast available.