5 Swallow Court, Clayton-le-Woods, Chorley, PR6 7NZ
Estimate of £369k for this detached house. 388 sales in PR6 in the last 12 months; median £227k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£329,995
- SDLT standard£6,500
- SDLT BTL surcharge (5%)£16,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£355,095
Funding
- Deposit (25%)£82,499
- Mortgage (75% LTV)£247,496
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£107,599
Monthly Returns
- Monthly Rent (estimate)£1,400
- Mortgage Payment (IO)-£1,083
- Management (10%)-£140
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£77
Capital Returns
- 5yr Property Value£410,251
- 5yr Capital Gain (4.45% pa, historical)+£80,256
- 5yr Cumulative Rent (net)+£72,668
- Less mortgage interest-£64,980
- 5yr Total Return+£87,944
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 | £344,680 | £97,184 | +£924 | +£15,609 | 14.5% |
| Year 2 | £360,018 | £112,522 | +£2,148 | +£32,171 | 29.9% |
| Year 3 | £376,039 | £128,543 | +£3,679 | +£49,723 | 46.2% |
| Year 4 | £392,773 | £145,276 | +£5,523 | +£68,301 | 63.5% |
| Year 5 | £410,251 | £162,755 | +£7,688 | +£87,944 | 81.7% |
Modelled on the live asking price. Capital growth 4.45% a year is the PR6 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 (£107,599).
Price Forecast
No forecast available.