2A Belmont Road, London, SE25 4QF
Estimate of £524k for this detached property. 331 sales in SE25 in the last 12 months; median £385k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£500,000
- SDLT standard£15,000
- SDLT BTL surcharge (5%)£25,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£542,100
Funding
- Deposit (25%)£125,000
- Mortgage (75% LTV)£375,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£167,100
Monthly Returns
- Monthly Rent (estimate)£2,500
- Mortgage Payment (IO)-£1,641
- Management (10%)-£250
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£509
Capital Returns
- 5yr Property Value£527,329
- 5yr Capital Gain (1.07% pa, historical)+£27,329
- 5yr Cumulative Rent (net)+£134,509
- Less mortgage interest-£98,460
- 5yr Total Return+£63,378
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 | £505,350 | £130,350 | +£6,108 | +£11,458 | 6.9% |
| Year 2 | £510,757 | £135,757 | +£12,756 | +£23,513 | 14.1% |
| Year 3 | £516,222 | £141,222 | +£19,956 | +£36,178 | 21.7% |
| Year 4 | £521,746 | £146,746 | +£27,720 | +£49,466 | 29.6% |
| Year 5 | £527,329 | £152,329 | +£36,049 | +£63,378 | 37.9% |
Modelled on the live asking price. Capital growth 1.07% a year is the SE25 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 (£167,100).
Price Forecast
No forecast available.