54 Woodlands Road, Charfield, Wotton-under-Edge, GL12 8LS
Estimate of £408k for this detached house. 125 sales in GL12 in the last 12 months; median £388k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£420,000
- SDLT standard£11,000
- SDLT BTL surcharge (5%)£21,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£454,100
Funding
- Deposit (25%)£105,000
- Mortgage (75% LTV)£315,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£139,100
Monthly Returns
- Monthly Rent (estimate)£1,350
- Mortgage Payment (IO)-£1,378
- Management (10%)-£135
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£263
Capital Returns
- 5yr Property Value£455,140
- 5yr Capital Gain (1.62% pa, historical)+£35,140
- 5yr Cumulative Rent (net)+£69,881
- Less mortgage interest-£82,680
- 5yr Total Return+£22,342
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 | £426,804 | £111,804 | -£3,156 | +£3,648 | 2.6% |
| Year 2 | £433,718 | £118,718 | -£6,024 | +£7,694 | 5.5% |
| Year 3 | £440,744 | £125,744 | -£8,586 | +£12,159 | 8.7% |
| Year 4 | £447,885 | £132,885 | -£10,846 | +£17,039 | 12.2% |
| Year 5 | £455,140 | £140,140 | -£12,799 | +£22,342 | 16.1% |
Modelled on the live asking price. Capital growth 1.62% a year is the GL12 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 (£139,100).
Price Forecast
No forecast available.