41 Grange Road, Chalfont St. Peter, Gerrards Cross, SL9 9AH
Estimate of £605k for this end terrace house. 197 sales in SL9 in the last 12 months; median £775k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£585,000
- SDLT standard£19,250
- SDLT BTL surcharge (5%)£29,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£635,600
Funding
- Deposit (25%)£146,250
- Mortgage (75% LTV)£438,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£196,850
Monthly Returns
- Monthly Rent (estimate)£1,900
- Mortgage Payment (IO)-£1,920
- Management (10%)-£190
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£310
Capital Returns
- 5yr Property Value£575,700
- 5yr Capital Gain (-0.32% pa, historical)-£9,300
- 5yr Cumulative Rent (net)+£100,772
- Less mortgage interest-£115,200
- 5yr Total Return-£23,728
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 | £583,128 | £144,378 | -£3,720 | -£5,592 | -2.8% |
| Year 2 | £581,262 | £142,512 | -£7,032 | -£10,770 | -5.5% |
| Year 3 | £579,402 | £140,652 | -£9,927 | -£15,525 | -7.9% |
| Year 4 | £577,548 | £138,798 | -£12,395 | -£19,847 | -10.1% |
| Year 5 | £575,700 | £136,950 | -£14,428 | -£23,728 | -12.1% |
Modelled on the live asking price. Capital growth -0.32% a year is the SL9 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 (£196,850).
Price Forecast
No forecast available.