17 Railway Terrace, Builth Road, Builth Wells, LD2 3RH
Estimate of £364k for this end terrace house. 41 sales in LD2 in the last 12 months; median £315k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£395,000
- SDLT standard£9,750
- SDLT BTL surcharge (5%)£19,750
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£426,600
Funding
- Deposit (25%)£98,750
- Mortgage (75% LTV)£296,250
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£130,350
Monthly Returns
- Monthly Rent (estimate)£1,750
- Mortgage Payment (IO)-£1,296
- Management (10%)-£175
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£179
Capital Returns
- 5yr Property Value£592,577
- 5yr Capital Gain (8.45% pa, historical)+£197,577
- 5yr Cumulative Rent (net)+£92,365
- Less mortgage interest-£77,760
- 5yr Total Return+£212,182
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 | £428,378 | £132,128 | +£2,148 | +£35,526 | 27.3% |
| Year 2 | £464,575 | £168,325 | +£4,680 | +£74,255 | 57.0% |
| Year 3 | £503,832 | £207,582 | +£7,592 | +£116,424 | 89.3% |
| Year 4 | £546,406 | £250,156 | +£10,894 | +£162,300 | 124.5% |
| Year 5 | £592,577 | £296,327 | +£14,605 | +£212,182 | 162.8% |
Modelled on the live asking price. Capital growth 8.45% a year is the LD2 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 (£130,350).
Price Forecast
No forecast available.