5 Zion Place, Gravesend, DA12 1BH
Estimate of £323k for this mid terrace house. 389 sales in DA12 in the last 12 months; median £335k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£300,000
- SDLT standard£5,000
- SDLT BTL surcharge (5%)£15,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£322,100
Funding
- Deposit (25%)£75,000
- Mortgage (75% LTV)£225,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£97,100
Monthly Returns
- Monthly Rent (estimate)£1,650
- Mortgage Payment (IO)-£984
- Management (10%)-£165
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£401
Capital Returns
- 5yr Property Value£331,712
- 5yr Capital Gain (2.03% pa, historical)+£31,712
- 5yr Cumulative Rent (net)+£86,732
- Less mortgage interest-£59,040
- 5yr Total Return+£59,404
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 | £306,090 | £81,090 | +£4,812 | +£10,902 | 11.2% |
| Year 2 | £312,304 | £87,304 | +£9,984 | +£22,288 | 23.0% |
| Year 3 | £318,643 | £93,643 | +£15,512 | +£34,155 | 35.2% |
| Year 4 | £325,112 | £100,112 | +£21,416 | +£46,528 | 47.9% |
| Year 5 | £331,712 | £106,712 | +£27,692 | +£59,404 | 61.2% |
Modelled on the live asking price. Capital growth 2.03% a year is the DA12 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 (£97,100).
Price Forecast
No forecast available.