17 Ford's Croft, Thame, OX9 3GE
Estimate of £554k for this detached house. 176 sales in OX9 in the last 12 months; median £450k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£537,500
- SDLT standard£16,875
- SDLT BTL surcharge (5%)£26,875
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£583,350
Funding
- Deposit (25%)£134,375
- Mortgage (75% LTV)£403,125
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£180,225
Monthly Returns
- Monthly Rent (estimate)£2,000
- Mortgage Payment (IO)-£1,764
- Management (10%)-£200
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£64
Capital Returns
- 5yr Property Value£556,025
- 5yr Capital Gain (0.68% pa, historical)+£18,525
- 5yr Cumulative Rent (net)+£106,417
- Less mortgage interest-£105,840
- 5yr Total Return+£19,102
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 | £541,155 | £138,030 | -£768 | +£2,887 | 1.6% |
| Year 2 | £544,835 | £141,710 | -£1,104 | +£6,231 | 3.5% |
| Year 3 | £548,540 | £145,415 | -£998 | +£10,041 | 5.6% |
| Year 4 | £552,270 | £149,145 | -£441 | +£14,328 | 8.0% |
| Year 5 | £556,025 | £152,900 | +£577 | +£19,102 | 10.6% |
Modelled on the live asking price. Capital growth 0.68% a year is the OX9 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 (£180,225).
Price Forecast
No forecast available.