6 Acton Court, Whitehaven, CA28 7RD

UPRN:10000901037Terrace Property3 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band CEPC: C (77)

Data freshness:Listing· freshEPC· 4mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

Valuation estimateUpdated 2 days ago

£179,000

Estimated value

Range: £170k - £188k|Last sold: £148k (2015-02-27)

Estimate of £179k for this terrace property. 378 sales in CA28 in the last 12 months; median £150k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£179k

£170k - £188k - High confidence

Annualised (CAGR)

+1.79%

Over the full window

Peak estimate

£206k

Apr 2026

From peak

-13.11%

Drawdown from peak

AVM estimate (model)Repeat-sales index - CA28 district (quarterly)index YoY +10.40%

Growth by window

-0.56%

-13.11%

12m

-11.82%

24m

-3.24%

60m

+6.55%

Rental Market

Monthly

Estimated rent (pcm)

£1,000

/ month

Gross yield

6.67%

Rent ÷ asking price

Net yield

4.61%

Assumes ~31% running costs (not this property's)

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£150k

CA28 sales, last 12 months

12m Price Growth

CA28 median, Land Registry

Days on Market

73d

CA28 average

Sales & Yield

3 metrics

Transactions / 12m

378

CA28 sales

Area Gross Yield

CA28 medians

Last Sold

£148k

2015-02-27

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£180,000
SDLT standard£1,100
SDLT BTL surcharge (5%)£9,000
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£192,200

Funding

Deposit (25%)£45,000
Mortgage (75% LTV)£135,000
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£57,200

Monthly Returns

Monthly Rent (estimate)£1,000
Mortgage Payment (IO)-£591
Management (10%)-£100
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£209

Capital Returns

5yr Property Value£198,540
5yr Capital Gain (1.98% pa, historical)+£18,540
5yr Cumulative Rent (net, before lease costs)+£50,208
Less mortgage interest-£35,460
5yr Total Return (before lease costs)+£33,288

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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.

5-Year Projection

BTL · Interest Only

Year	Property Value	Equity	Cashflow (cumulative)	Total Return	ROI
Year 1	£183,564	£48,564	+£2,508	+£6,072	10.6%
Year 2	£187,199	£52,199	+£5,232	+£12,431	21.7%
Year 3	£190,905	£55,905	+£8,177	+£19,082	33.4%
Year 4	£194,685	£59,685	+£11,347	+£26,032	45.5%
Year 5	£198,540	£63,540	+£14,748	+£33,288	58.2%

Modelled on the live asking price. Capital growth 1.98% a year is the CA28 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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£57,200).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,118

Population

Signal

3.9%

Households Deprived

Upside Opportunities

0 levers