143 Hebden Road, Haworth, Keighley, BD22 8RE
Estimate of £357k for this detached house. 392 sales in BD22 in the last 12 months; median £189k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£350,000
- SDLT standard£7,500
- SDLT BTL surcharge (5%)£17,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£377,100
Funding
- Deposit (25%)£87,500
- Mortgage (75% LTV)£262,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£114,600
Monthly Returns
- Monthly Rent (estimate)£1,250
- Mortgage Payment (IO)-£1,148
- Management (10%)-£125
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£123
Capital Returns
- 5yr Property Value£412,288
- 5yr Capital Gain (3.33% pa, historical)+£62,288
- 5yr Cumulative Rent (net)+£64,249
- Less mortgage interest-£68,880
- 5yr Total Return+£57,656
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 | £361,655 | £99,155 | -£1,476 | +£10,179 | 8.9% |
| Year 2 | £373,698 | £111,198 | -£2,688 | +£21,010 | 18.3% |
| Year 3 | £386,142 | £123,642 | -£3,618 | +£32,524 | 28.4% |
| Year 4 | £399,001 | £136,501 | -£4,272 | +£44,729 | 39.0% |
| Year 5 | £412,288 | £149,788 | -£4,631 | +£57,656 | 50.3% |
Modelled on the live asking price. Capital growth 3.33% a year is the BD22 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 (£114,600).
Price Forecast
No forecast available.