14 Claremont Terrace, Sandwich Road, Woodnesborough, Sandwich, CT13 0LY
Estimate of £335k for this semi-detached house. 116 sales in CT13 in the last 12 months; median £336k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£375,000
- SDLT standard£8,750
- SDLT BTL surcharge (5%)£18,750
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£404,600
Funding
- Deposit (25%)£93,750
- Mortgage (75% LTV)£281,250
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£123,350
Monthly Returns
- Monthly Rent (estimate)£1,450
- Mortgage Payment (IO)-£1,230
- Management (10%)-£145
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£25
Capital Returns
- 5yr Property Value£400,215
- 5yr Capital Gain (1.31% pa, historical)+£25,215
- 5yr Cumulative Rent (net)+£75,490
- Less mortgage interest-£73,800
- 5yr Total Return+£26,905
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 | £379,913 | £98,663 | -£300 | +£4,613 | 3.7% |
| Year 2 | £384,889 | £103,639 | -£288 | +£9,601 | 7.8% |
| Year 3 | £389,931 | £108,681 | +£43 | +£14,974 | 12.1% |
| Year 4 | £395,040 | £113,790 | +£700 | +£20,739 | 16.8% |
| Year 5 | £400,215 | £118,965 | +£1,690 | +£26,905 | 21.8% |
Modelled on the live asking price. Capital growth 1.31% a year is the CT13 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 (£123,350).
Price Forecast
No forecast available.