5 Whistlefields Close, Moulton, Northampton, NN3 7DW
Estimate of £295k for this semi-detached house. 711 sales in NN3 in the last 12 months; median £259k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£530,000
- SDLT standard£16,500
- SDLT BTL surcharge (5%)£26,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£575,100
Funding
- Deposit (25%)£132,500
- Mortgage (75% LTV)£397,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£177,600
Monthly Returns
- Monthly Rent (estimate)£1,500
- Mortgage Payment (IO)-£1,739
- Management (10%)-£150
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£489
Capital Returns
- 5yr Property Value£554,558
- 5yr Capital Gain (0.91% pa, historical)+£24,558
- 5yr Cumulative Rent (net)+£78,313
- Less mortgage interest-£104,340
- 5yr Total Return-£1,469
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 | £534,823 | £137,323 | -£5,868 | -£1,045 | -0.6% |
| Year 2 | £539,690 | £142,190 | -£11,412 | -£1,722 | -1.0% |
| Year 3 | £544,601 | £147,101 | -£16,625 | -£2,024 | -1.1% |
| Year 4 | £549,557 | £152,057 | -£21,499 | -£1,942 | -1.1% |
| Year 5 | £554,558 | £157,058 | -£26,027 | -£1,469 | -0.8% |
Modelled on the live asking price. Capital growth 0.91% a year is the NN3 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 (£177,600).
Price Forecast
No forecast available.