14 Rhyd yr Helyg, Sketty, Swansea, SA2 8DH
Estimate of £493k for this detached house. 368 sales in SA2 in the last 12 months; median £250k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£470,000
- SDLT standard£13,500
- SDLT BTL surcharge (5%)£23,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£509,100
Funding
- Deposit (25%)£117,500
- Mortgage (75% LTV)£352,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£156,600
Monthly Returns
- Monthly Rent (estimate)£1,700
- Mortgage Payment (IO)-£1,542
- Management (10%)-£170
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£112
Capital Returns
- 5yr Property Value£559,562
- 5yr Capital Gain (3.55% pa, historical)+£89,562
- 5yr Cumulative Rent (net)+£89,554
- Less mortgage interest-£92,520
- 5yr Total Return+£86,597
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 | £486,685 | £134,185 | -£1,344 | +£15,341 | 9.8% |
| Year 2 | £503,962 | £151,462 | -£2,316 | +£31,646 | 20.2% |
| Year 3 | £521,853 | £169,353 | -£2,920 | +£48,933 | 31.2% |
| Year 4 | £540,379 | £187,879 | -£3,135 | +£67,244 | 42.9% |
| Year 5 | £559,562 | £207,062 | -£2,966 | +£86,597 | 55.3% |
Modelled on the live asking price. Capital growth 3.55% a year is the SA2 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 (£156,600).
Price Forecast
No forecast available.