19 Penygraig Street, Llanidloes, SY18 6AL
Estimate of £147k for this terrace property. 29 sales in SY18 in the last 12 months; median £245k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£147,500
- SDLT standard£450
- SDLT BTL surcharge (5%)£7,375
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£157,425
Funding
- Deposit (25%)£36,875
- Mortgage (75% LTV)£110,625
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£46,800
Monthly Returns
- Monthly Rent (estimate)£650
- Mortgage Payment (IO)-£484
- Management (10%)-£65
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£1
Capital Returns
- 5yr Property Value£166,151
- 5yr Capital Gain (2.41% pa, historical)+£18,651
- 5yr Cumulative Rent (net)+£30,536
- Less mortgage interest-£29,040
- 5yr Total Return+£20,147
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 | £151,055 | £40,430 | +£12 | +£3,567 | 7.6% |
| Year 2 | £154,695 | £44,070 | +£168 | +£7,363 | 15.7% |
| Year 3 | £158,423 | £47,798 | +£459 | +£11,382 | 24.3% |
| Year 4 | £162,241 | £51,616 | +£901 | +£15,642 | 33.4% |
| Year 5 | £166,151 | £55,526 | +£1,496 | +£20,147 | 43.0% |
Modelled on the live asking price. Capital growth 2.41% a year is the SY18 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 (£46,800).
Price Forecast
No forecast available.