32 Oxford Drive, Kippax, Leeds, LS25 7JG
Estimate of £414k for this detached house. 502 sales in LS25 in the last 12 months; median £260k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£490,000
- SDLT standard£14,500
- SDLT BTL surcharge (5%)£24,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£531,100
Funding
- Deposit (25%)£122,500
- Mortgage (75% LTV)£367,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£163,600
Monthly Returns
- Monthly Rent (estimate)£1,600
- Mortgage Payment (IO)-£1,608
- Management (10%)-£160
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£268
Capital Returns
- 5yr Property Value£542,327
- 5yr Capital Gain (2.05% pa, historical)+£52,327
- 5yr Cumulative Rent (net)+£83,934
- Less mortgage interest-£96,480
- 5yr Total Return+£39,780
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 | £500,045 | £132,545 | -£3,216 | +£6,829 | 4.2% |
| Year 2 | £510,296 | £142,796 | -£6,084 | +£14,212 | 8.7% |
| Year 3 | £520,757 | £153,257 | -£8,596 | +£22,161 | 13.5% |
| Year 4 | £531,433 | £163,933 | -£10,757 | +£30,675 | 18.8% |
| Year 5 | £542,327 | £174,827 | -£12,546 | +£39,780 | 24.3% |
Modelled on the live asking price. Capital growth 2.05% a year is the LS25 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 (£163,600).
Price Forecast
No forecast available.