62 Caledonian Road, Hartlepool, TS25 5LQ
Estimate of £105k for this semi-detached house. 443 sales in TS25 in the last 12 months; median £125k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£105,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£5,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£112,350
Funding
- Deposit (25%)£26,250
- Mortgage (75% LTV)£78,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£33,600
Monthly Returns
- Monthly Rent (estimate)£700
- Mortgage Payment (IO)-£345
- Management (10%)-£70
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£185
Capital Returns
- 5yr Property Value£131,225
- 5yr Capital Gain (4.56% pa, historical)+£26,225
- 5yr Cumulative Rent (net)+£33,346
- Less mortgage interest-£20,700
- 5yr Total Return+£38,871
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 | £109,788 | £31,038 | +£2,220 | +£7,008 | 20.9% |
| Year 2 | £114,794 | £36,044 | +£4,596 | +£14,390 | 42.8% |
| Year 3 | £120,029 | £41,279 | +£7,119 | +£22,148 | 65.9% |
| Year 4 | £125,502 | £46,752 | +£9,806 | +£30,308 | 90.2% |
| Year 5 | £131,225 | £52,475 | +£12,646 | +£38,871 | 115.7% |
Modelled on the live asking price. Capital growth 4.56% a year is the TS25 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 (£33,600).
Price Forecast
No forecast available.