22 Penybryn View, Merthyr Tydfil, CF47 0GB
Estimate of £289k for this detached house. 166 sales in CF47 in the last 12 months; median £137k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£280,000
- SDLT standard£4,000
- SDLT BTL surcharge (5%)£14,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£300,100
Funding
- Deposit (25%)£70,000
- Mortgage (75% LTV)£210,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£90,100
Monthly Returns
- Monthly Rent (estimate)£1,250
- Mortgage Payment (IO)-£919
- Management (10%)-£125
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£106
Capital Returns
- 5yr Property Value£364,736
- 5yr Capital Gain (5.43% pa, historical)+£84,736
- 5yr Cumulative Rent (net)+£64,249
- Less mortgage interest-£55,140
- 5yr Total Return+£93,845
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 | £295,204 | £85,204 | +£1,272 | +£16,476 | 18.3% |
| Year 2 | £311,234 | £101,234 | +£2,808 | +£34,042 | 37.8% |
| Year 3 | £328,134 | £118,134 | +£4,626 | +£52,760 | 58.6% |
| Year 4 | £345,951 | £135,951 | +£6,720 | +£72,671 | 80.7% |
| Year 5 | £364,736 | £154,736 | +£9,109 | +£93,845 | 104.2% |
Modelled on the live asking price. Capital growth 5.43% a year is the CF47 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 (£90,100).
Price Forecast
No forecast available.