3 Maesyrewig, Felingwm, Carmarthen, SA32 7PT
Estimate of £197k for this semi-detached house. 58 sales in SA32 in the last 12 months; median £303k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£187,500
- SDLT standard£1,250
- SDLT BTL surcharge (5%)£9,375
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£200,225
Funding
- Deposit (25%)£46,875
- Mortgage (75% LTV)£140,625
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£59,600
Monthly Returns
- Monthly Rent (estimate)£1,100
- Mortgage Payment (IO)-£615
- Management (10%)-£110
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£275
Capital Returns
- 5yr Property Value£195,605
- 5yr Capital Gain (0.85% pa, historical)+£8,105
- 5yr Cumulative Rent (net)+£55,829
- Less mortgage interest-£36,900
- 5yr Total Return+£27,035
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 | £189,094 | £48,469 | +£3,300 | +£4,894 | 8.2% |
| Year 2 | £190,701 | £50,076 | +£6,840 | +£10,041 | 16.8% |
| Year 3 | £192,322 | £51,697 | +£10,625 | +£15,447 | 25.9% |
| Year 4 | £193,957 | £53,332 | +£14,649 | +£21,106 | 35.4% |
| Year 5 | £195,605 | £54,980 | +£18,929 | +£27,035 | 45.4% |
Modelled on the live asking price. Capital growth 0.85% a year is the SA32 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 (£59,600).
Price Forecast
No forecast available.