12 Huntsmead, Northampton, NN3 5HT
Estimate of £469k for this detached house. 711 sales in NN3 in the last 12 months; median £259k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£460,000
- SDLT standard£13,000
- SDLT BTL surcharge (5%)£23,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£498,100
Funding
- Deposit (25%)£115,000
- Mortgage (75% LTV)£345,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£153,100
Monthly Returns
- Monthly Rent (estimate)£2,200
- Mortgage Payment (IO)-£1,509
- Management (10%)-£220
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£371
Capital Returns
- 5yr Property Value£481,314
- 5yr Capital Gain (0.91% pa, historical)+£21,314
- 5yr Cumulative Rent (net)+£117,659
- Less mortgage interest-£90,540
- 5yr Total Return+£48,433
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 | £464,186 | £119,186 | +£4,452 | +£8,638 | 5.6% |
| Year 2 | £468,410 | £123,410 | +£9,384 | +£17,794 | 11.6% |
| Year 3 | £472,673 | £127,673 | +£14,795 | +£27,467 | 17.9% |
| Year 4 | £476,974 | £131,974 | +£20,706 | +£37,680 | 24.6% |
| Year 5 | £481,314 | £136,314 | +£27,119 | +£48,433 | 31.6% |
Modelled on the live asking price. Capital growth 0.91% a year is the NN3 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 (£153,100).
Price Forecast
No forecast available.