5 Willow Close, Anderton, Chorley, PR6 9PJ
Estimate of £444k for this mid terrace 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£650,000
- SDLT standard£22,500
- SDLT BTL surcharge (5%)£32,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£707,100
Funding
- Deposit (25%)£162,500
- Mortgage (75% LTV)£487,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£219,600
Monthly Returns
- Monthly Rent (estimate)£2,500
- Mortgage Payment (IO)-£2,133
- Management (10%)-£250
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£17
Capital Returns
- 5yr Property Value£808,082
- 5yr Capital Gain (4.45% pa, historical)+£158,082
- 5yr Cumulative Rent (net)+£134,509
- Less mortgage interest-£127,980
- 5yr Total Return+£164,611
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 | £678,925 | £191,425 | +£204 | +£29,129 | 13.3% |
| Year 2 | £709,137 | £221,637 | +£948 | +£60,085 | 27.4% |
| Year 3 | £740,694 | £253,194 | +£2,244 | +£92,938 | 42.3% |
| Year 4 | £773,655 | £286,155 | +£4,104 | +£127,759 | 58.2% |
| Year 5 | £808,082 | £320,582 | +£6,529 | +£164,611 | 75.0% |
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 (£219,600).
Price Forecast
No forecast available.