18 Bedfords Fold, Hillam, Leeds, LS25 5HZ
Estimate of £622k for this detached house. 502 sales in LS25 in the last 12 months; median £260k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£625,000
- SDLT standard£21,250
- SDLT BTL surcharge (5%)£31,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£679,600
Funding
- Deposit (25%)£156,250
- Mortgage (75% LTV)£468,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£210,850
Monthly Returns
- Monthly Rent (estimate)£2,400
- Mortgage Payment (IO)-£2,051
- Management (10%)-£240
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£9
Capital Returns
- 5yr Property Value£691,743
- 5yr Capital Gain (2.05% pa, historical)+£66,743
- 5yr Cumulative Rent (net)+£128,876
- Less mortgage interest-£123,060
- 5yr Total Return+£72,560
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 | £637,812 | £169,062 | +£108 | +£12,920 | 6.1% |
| Year 2 | £650,888 | £182,138 | +£732 | +£26,620 | 12.6% |
| Year 3 | £664,231 | £195,481 | +£1,884 | +£41,114 | 19.5% |
| Year 4 | £677,848 | £209,098 | +£3,574 | +£56,422 | 26.8% |
| Year 5 | £691,743 | £222,993 | +£5,816 | +£72,560 | 34.4% |
Modelled on the live asking price. Capital growth 2.05% a year is the LS25 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 (£210,850).
Price Forecast
No forecast available.