28 Princes Street, Piddington, High Wycombe, HP14 3BN
Estimate of £449k for this semi-detached house. 167 sales in HP14 in the last 12 months; median £470k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£430,000
- SDLT standard£11,500
- SDLT BTL surcharge (5%)£21,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£465,100
Funding
- Deposit (25%)£107,500
- Mortgage (75% LTV)£322,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£142,600
Monthly Returns
- Monthly Rent (estimate)£1,300
- Mortgage Payment (IO)-£1,411
- Management (10%)-£130
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£341
Capital Returns
- 5yr Property Value£461,637
- 5yr Capital Gain (1.43% pa, historical)+£31,637
- 5yr Cumulative Rent (net)+£67,059
- Less mortgage interest-£84,660
- 5yr Total Return+£14,036
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 | £436,149 | £113,649 | -£4,092 | +£2,057 | 1.4% |
| Year 2 | £442,386 | £119,886 | -£7,908 | +£4,478 | 3.1% |
| Year 3 | £448,712 | £126,212 | -£11,430 | +£7,282 | 5.1% |
| Year 4 | £455,129 | £132,629 | -£14,663 | +£10,466 | 7.3% |
| Year 5 | £461,637 | £139,137 | -£17,601 | +£14,036 | 9.8% |
Modelled on the live asking price. Capital growth 1.43% a year is the HP14 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 (£142,600).
Price Forecast
No forecast available.