52 Christchurch Street East, Frome, BA11 1QD
Estimate of £320k for this mid terrace house. 431 sales in BA11 in the last 12 months; median £320k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£325,000
- SDLT standard£6,250
- SDLT BTL surcharge (5%)£16,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£349,600
Funding
- Deposit (25%)£81,250
- Mortgage (75% LTV)£243,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£105,850
Monthly Returns
- Monthly Rent (estimate)£1,200
- Mortgage Payment (IO)-£1,066
- Management (10%)-£120
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£86
Capital Returns
- 5yr Property Value£325,000
- 5yr Capital Gain (0.00% pa, historical)+£0
- 5yr Cumulative Rent (net)+£61,450
- Less mortgage interest-£63,960
- 5yr Total Return-£2,510
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 | £325,000 | £81,250 | -£1,032 | -£1,032 | -1.0% |
| Year 2 | £325,000 | £81,250 | -£1,800 | -£1,800 | -1.7% |
| Year 3 | £325,000 | £81,250 | -£2,310 | -£2,310 | -2.2% |
| Year 4 | £325,000 | £81,250 | -£2,545 | -£2,545 | -2.4% |
| Year 5 | £325,000 | £81,250 | -£2,510 | -£2,510 | -2.4% |
Modelled on the live asking price. Capital growth 0.00% a year is the BA11 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 (£105,850).
Price Forecast
No forecast available.