25 Clent Avenue, Liverpool, L31 0AT
Estimate of £229k for this semi-detached house. 313 sales in L31 in the last 12 months; median £251k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£230,000
- SDLT standard£2,100
- SDLT BTL surcharge (5%)£11,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£245,700
Funding
- Deposit (25%)£57,500
- Mortgage (75% LTV)£172,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£73,200
Monthly Returns
- Monthly Rent (estimate)£1,050
- Mortgage Payment (IO)-£755
- Management (10%)-£105
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£90
Capital Returns
- 5yr Property Value£268,450
- 5yr Capital Gain (3.14% pa, historical)+£38,450
- 5yr Cumulative Rent (net)+£53,019
- Less mortgage interest-£45,300
- 5yr Total Return+£46,169
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 | £237,222 | £64,722 | +£1,080 | +£8,302 | 11.3% |
| Year 2 | £244,671 | £72,171 | +£2,388 | +£17,059 | 23.3% |
| Year 3 | £252,353 | £79,853 | +£3,929 | +£26,282 | 35.9% |
| Year 4 | £260,277 | £87,777 | +£5,708 | +£35,986 | 49.2% |
| Year 5 | £268,450 | £95,950 | +£7,719 | +£46,169 | 63.1% |
Modelled on the live asking price. Capital growth 3.14% a year is the L31 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 (£73,200).
Price Forecast
No forecast available.