17 Derby Grove, Maghull, Liverpool, L31 5JJ
Estimate of £264k for this semi-detached house. 313 sales in L31 in the last 12 months; median £251k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£265,000
- SDLT standard£3,250
- SDLT BTL surcharge (5%)£13,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£283,600
Funding
- Deposit (25%)£66,250
- Mortgage (75% LTV)£198,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£84,850
Monthly Returns
- Monthly Rent (estimate)£1,250
- Mortgage Payment (IO)-£870
- Management (10%)-£125
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£155
Capital Returns
- 5yr Property Value£309,301
- 5yr Capital Gain (3.14% pa, historical)+£44,301
- 5yr Cumulative Rent (net)+£64,249
- Less mortgage interest-£52,200
- 5yr Total Return+£56,350
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 | £273,321 | £74,571 | +£1,860 | +£10,181 | 12.0% |
| Year 2 | £281,903 | £83,153 | +£3,984 | +£20,887 | 24.6% |
| Year 3 | £290,755 | £92,005 | +£6,390 | +£32,145 | 37.9% |
| Year 4 | £299,885 | £101,135 | +£9,072 | +£43,957 | 51.8% |
| Year 5 | £309,301 | £110,551 | +£12,049 | +£56,350 | 66.4% |
Modelled on the live asking price. Capital growth 3.14% a year is the L31 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 (£84,850).
Price Forecast
No forecast available.