60 Gwilym Road, Cwmllynfell, Swansea, SA9 2GN
Estimate of £149k for this semi-detached house. 132 sales in SA9 in the last 12 months; median £161k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£275,000
- SDLT standard£3,750
- SDLT BTL surcharge (5%)£13,750
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£294,600
Funding
- Deposit (25%)£68,750
- Mortgage (75% LTV)£206,250
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£88,350
Monthly Returns
- Monthly Rent (estimate)£800
- Mortgage Payment (IO)-£902
- Management (10%)-£80
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£282
Capital Returns
- 5yr Property Value£341,063
- 5yr Capital Gain (4.40% pa, historical)+£66,063
- 5yr Cumulative Rent (net)+£38,955
- Less mortgage interest-£54,120
- 5yr Total Return+£50,898
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 | £287,100 | £80,850 | -£3,384 | +£8,716 | 9.9% |
| Year 2 | £299,732 | £93,482 | -£6,600 | +£18,132 | 20.5% |
| Year 3 | £312,921 | £106,671 | -£9,632 | +£28,288 | 32.0% |
| Year 4 | £326,689 | £120,439 | -£12,489 | +£39,201 | 44.4% |
| Year 5 | £341,063 | £134,813 | -£15,165 | +£50,898 | 57.6% |
Modelled on the live asking price. Capital growth 4.40% a year is the SA9 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 (£88,350).
Price Forecast
No forecast available.