14 Guildford Avenue, Chorley, PR6 8TG
Estimate of £268k for this semi-detached house. 388 sales in PR6 in the last 12 months; median £227k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£269,995
- SDLT standard£3,500
- SDLT BTL surcharge (5%)£13,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£289,095
Funding
- Deposit (25%)£67,499
- Mortgage (75% LTV)£202,496
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£86,599
Monthly Returns
- Monthly Rent (estimate)£1,350
- Mortgage Payment (IO)-£886
- Management (10%)-£135
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£229
Capital Returns
- 5yr Property Value£335,659
- 5yr Capital Gain (4.45% pa, historical)+£65,664
- 5yr Cumulative Rent (net)+£69,881
- Less mortgage interest-£53,160
- 5yr Total Return+£82,385
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 | £282,010 | £79,514 | +£2,748 | +£14,763 | 17.0% |
| Year 2 | £294,559 | £92,063 | +£5,784 | +£30,348 | 35.0% |
| Year 3 | £307,667 | £105,171 | +£9,126 | +£46,799 | 54.0% |
| Year 4 | £321,358 | £118,862 | +£12,770 | +£64,133 | 74.1% |
| Year 5 | £335,659 | £133,162 | +£16,721 | +£82,385 | 95.1% |
Modelled on the live asking price. Capital growth 4.45% a year is the PR6 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 (£86,599).
Price Forecast
No forecast available.