37 Birbeck Road, Liverpool, L33 6XB
Estimate of £135k for this mid terrace house. 136 sales in L33 in the last 12 months; median £170k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£130,000
- SDLT standard£100
- SDLT BTL surcharge (5%)£6,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£138,700
Funding
- Deposit (25%)£32,500
- Mortgage (75% LTV)£97,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£41,200
Monthly Returns
- Monthly Rent (estimate)£1,000
- Mortgage Payment (IO)-£427
- Management (10%)-£100
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£373
Capital Returns
- 5yr Property Value£181,142
- 5yr Capital Gain (6.86% pa, historical)+£51,142
- 5yr Cumulative Rent (net)+£50,208
- Less mortgage interest-£25,620
- 5yr Total Return+£75,730
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 | £138,918 | £41,418 | +£4,476 | +£13,394 | 32.5% |
| Year 2 | £148,448 | £50,948 | +£9,168 | +£27,616 | 67.0% |
| Year 3 | £158,631 | £61,131 | +£14,081 | +£42,712 | 103.7% |
| Year 4 | £169,513 | £72,013 | +£19,219 | +£58,733 | 142.6% |
| Year 5 | £181,142 | £83,642 | +£24,588 | +£75,730 | 183.8% |
Modelled on the live asking price. Capital growth 6.86% a year is the L33 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 (£41,200).
Price Forecast
No forecast available.