2 Woodham Cottages, Rushyford, Ferryhill, DL17 0NN
Estimate of £168k for this semi-detached house. 251 sales in DL17 in the last 12 months; median £84k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£1,209,000
- SDLT standard£64,650
- SDLT BTL surcharge (5%)£60,450
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£1,336,200
Funding
- Deposit (25%)£302,250
- Mortgage (75% LTV)£906,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£429,450
Monthly Returns
- Monthly Rent (estimate)£1,200
- Mortgage Payment (IO)-£3,967
- Management (10%)-£120
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£2,987
Capital Returns
- 5yr Property Value£1,751,069
- 5yr Capital Gain (7.69% pa, historical)+£542,069
- 5yr Cumulative Rent (net)+£61,450
- Less mortgage interest-£238,020
- 5yr Total Return+£365,499
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 | £1,301,972 | £395,222 | -£35,844 | +£57,128 | 13.3% |
| Year 2 | £1,402,094 | £495,344 | -£71,424 | +£121,670 | 28.3% |
| Year 3 | £1,509,915 | £603,165 | -£106,746 | +£194,169 | 45.2% |
| Year 4 | £1,626,027 | £719,277 | -£141,793 | +£275,234 | 64.1% |
| Year 5 | £1,751,069 | £844,319 | -£176,570 | +£365,499 | 85.1% |
Modelled on the live asking price. Capital growth 7.69% a year is the DL17 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 (£429,450).
Price Forecast
No forecast available.