3 Maesyrafon, Aberystwyth, SY23 1PL
Estimate of £194k for this terrace property. 245 sales in SY23 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£189,000
- SDLT standard£1,280
- SDLT BTL surcharge (5%)£9,450
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£201,830
Funding
- Deposit (25%)£47,250
- Mortgage (75% LTV)£141,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£60,080
Monthly Returns
- Monthly Rent (estimate)£850
- Mortgage Payment (IO)-£620
- Management (10%)-£85
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£45
Capital Returns
- 5yr Property Value£227,745
- 5yr Capital Gain (3.80% pa, historical)+£38,745
- 5yr Cumulative Rent (net)+£41,777
- Less mortgage interest-£37,200
- 5yr Total Return+£43,322
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 | £196,182 | £54,432 | +£540 | +£7,722 | 12.9% |
| Year 2 | £203,637 | £61,887 | +£1,260 | +£15,897 | 26.5% |
| Year 3 | £211,375 | £69,625 | +£2,176 | +£24,551 | 40.9% |
| Year 4 | £219,407 | £77,657 | +£3,280 | +£33,688 | 56.1% |
| Year 5 | £227,745 | £85,995 | +£4,577 | +£43,322 | 72.1% |
Modelled on the live asking price. Capital growth 3.80% a year is the SY23 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 (£60,080).
Price Forecast
No forecast available.