62 Richland Road, Liverpool, L13 7BR
Estimate of £199k for this semi-detached house. 302 sales in L13 in the last 12 months; median £140k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£225,000
- SDLT standard£2,000
- SDLT BTL surcharge (5%)£11,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£240,350
Funding
- Deposit (25%)£56,250
- Mortgage (75% LTV)£168,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£71,600
Monthly Returns
- Monthly Rent (estimate)£1,150
- Mortgage Payment (IO)-£738
- Management (10%)-£115
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£197
Capital Returns
- 5yr Property Value£286,344
- 5yr Capital Gain (4.94% pa, historical)+£61,344
- 5yr Cumulative Rent (net)+£58,640
- Less mortgage interest-£44,280
- 5yr Total Return+£75,704
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 | £236,115 | £67,365 | +£2,364 | +£13,479 | 18.8% |
| Year 2 | £247,779 | £79,029 | +£4,980 | +£27,759 | 38.8% |
| Year 3 | £260,019 | £91,269 | +£7,842 | +£42,861 | 59.9% |
| Year 4 | £272,864 | £104,114 | +£10,966 | +£58,831 | 82.2% |
| Year 5 | £286,344 | £117,594 | +£14,360 | +£75,704 | 105.7% |
Modelled on the live asking price. Capital growth 4.94% a year is the L13 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 (£71,600).
Price Forecast
No forecast available.