154 Chorley Old Road, Whittle-le-Woods, Chorley, PR6 7NA

UPRN:100010367692Mid Terrace House3 bedsBuilt before 1900

LeaseholdCouncil Tax: Band BEPC: E (51)

Data freshness:Planning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

Valuation estimateUpdated 4 days ago

£183,000

Estimated value

Range: £165k - £201k|Last sold: £128k (2024-11-07)

Estimate of £183k for this mid terrace house. 388 sales in PR6 in the last 12 months; median £227k.

Estimate confidence

Medium confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£183k

£165k - £201k - Medium confidence

Annualised (CAGR)

+1.01%

Over the full window

Peak estimate

£203k

Jan 2023

From peak

-9.85%

Drawdown from peak

AVM estimate (model)Repeat-sales index - PR6 district (quarterly)index YoY +2.86%

Growth by window

+5.78%

+8.28%

12m

+13.66%

24m

-1.08%

60m

+3.98%

Rental Market

Monthly

Estimated rent (pcm)

£950

/ month

Gross yield

6.23%

Rent ÷ estimated value

Net yield

4.31%

Assumes ~31% running costs (not this property's)

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£227k

PR6 sales, last 12 months

12m Price Growth

+35.7%

PR6 median, Land Registry

Days on Market

58d

PR6 average

Sales & Yield

3 metrics

Transactions / 12m

388

PR6 sales

Area Gross Yield

3.07%

PR6 medians

Last Sold

£128k

2024-11-07

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Estimated Value£183,000
SDLT standard£1,160
SDLT BTL surcharge (5%)£9,150
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£195,410

Funding

Deposit (25%)£45,750
Mortgage (75% LTV)£137,250
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£58,160

Monthly Returns

Monthly Rent (estimate)£950
Mortgage Payment (IO)-£600
Management (10%)-£95
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£155

Capital Returns

5yr Property Value£227,506
5yr Capital Gain (4.45% pa, historical)+£44,506
5yr Cumulative Rent (net, before lease costs)+£47,386
Less mortgage interest-£36,000
5yr Total Return (before lease costs)+£55,892

Modelled on the estimated value: the property is not on the market. 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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.

5-Year Projection

BTL · Interest Only

Year	Property Value	Equity	Cashflow (cumulative)	Total Return	ROI
Year 1	£191,144	£53,894	+£1,860	+£10,004	17.2%
Year 2	£199,649	£62,399	+£3,924	+£20,573	35.4%
Year 3	£208,534	£71,284	+£6,197	+£31,730	54.6%
Year 4	£217,814	£80,564	+£8,682	+£43,496	74.8%
Year 5	£227,506	£90,256	+£11,386	+£55,892	96.1%

Modelled on the estimated value: the property is not on the market. 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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£58,160).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,690

Population

Signal

1.4%

Households Deprived

Upside Opportunities

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