20 Townshend Road, Dereham, NR19 2YD
Estimate of £367k for this detached house. 237 sales in NR19 in the last 12 months; median £235k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£325,000
- SDLT standard£6,250
- SDLT BTL surcharge (5%)£16,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£349,600
Funding
- Deposit (25%)£81,250
- Mortgage (75% LTV)£243,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£105,850
Monthly Returns
- Monthly Rent (estimate)£1,350
- Mortgage Payment (IO)-£1,066
- Management (10%)-£135
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£49
Capital Returns
- 5yr Property Value£347,195
- 5yr Capital Gain (1.33% pa, historical)+£22,195
- 5yr Cumulative Rent (net)+£69,881
- Less mortgage interest-£63,960
- 5yr Total Return+£28,117
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 | £329,322 | £85,572 | +£588 | +£4,910 | 4.6% |
| Year 2 | £333,702 | £89,952 | +£1,464 | +£10,166 | 9.6% |
| Year 3 | £338,141 | £94,391 | +£2,646 | +£15,787 | 14.9% |
| Year 4 | £342,638 | £98,888 | +£4,130 | +£21,768 | 20.6% |
| Year 5 | £347,195 | £103,445 | +£5,921 | +£28,117 | 26.6% |
Modelled on the live asking price. Capital growth 1.33% a year is the NR19 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 (£105,850).
Price Forecast
No forecast available.