20 Hillside Crescent, Whittle-le-Woods, Chorley, PR6 7LT
Estimate of £209k for this semi-detached house. 388 sales in PR6 in the last 12 months; median £227k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£209,995
- SDLT standard£1,700
- SDLT BTL surcharge (5%)£10,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£224,295
Funding
- Deposit (25%)£52,499
- Mortgage (75% LTV)£157,496
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£66,799
Monthly Returns
- Monthly Rent (estimate)£1,050
- Mortgage Payment (IO)-£689
- Management (10%)-£105
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£156
Capital Returns
- 5yr Property Value£261,067
- 5yr Capital Gain (4.45% pa, historical)+£51,072
- 5yr Cumulative Rent (net)+£53,019
- Less mortgage interest-£41,340
- 5yr Total Return+£62,750
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 | £219,340 | £61,844 | +£1,872 | +£11,217 | 16.8% |
| Year 2 | £229,100 | £71,604 | +£3,972 | +£23,077 | 34.5% |
| Year 3 | £239,295 | £81,799 | +£6,305 | +£35,605 | 53.3% |
| Year 4 | £249,944 | £92,448 | +£8,876 | +£48,825 | 73.1% |
| Year 5 | £261,067 | £103,570 | +£11,679 | +£62,750 | 93.9% |
Modelled on the live asking price. Capital growth 4.45% a year is the PR6 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 (£66,799).
Price Forecast
No forecast available.