114 Clifton House, Broadway, Peterborough, PE1 2FE
Estimate of £114k for this flat/maisonette. 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
- Estimated Value£114,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£5,700
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£121,800
Funding
- Deposit (25%)£28,500
- Mortgage (75% LTV)£85,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£36,300
Monthly Returns
- Monthly Rent (estimate)£750
- Mortgage Payment (IO)-£374
- Management (10%)-£75
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£201
Capital Returns
- 5yr Property Value£135,070
- 5yr Capital Gain (3.45% pa, historical)+£21,070
- 5yr Cumulative Rent (net)+£36,156
- Less mortgage interest-£22,440
- 5yr Total Return+£34,786
Modelled on the estimated value: the property is not on the market. 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 | £117,933 | £32,433 | +£2,412 | +£6,345 | 17.5% |
| Year 2 | £122,002 | £36,502 | +£4,992 | +£12,994 | 35.8% |
| Year 3 | £126,211 | £40,711 | +£7,732 | +£19,942 | 54.9% |
| Year 4 | £130,565 | £45,065 | +£10,634 | +£27,199 | 74.9% |
| Year 5 | £135,070 | £49,570 | +£13,716 | +£34,786 | 95.8% |
Modelled on the estimated value: the property is not on the market. 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 (£36,300).
Price Forecast
No forecast available.