7 Marfells Way, Ruardean Woodside, Ruardean, GL17 9UP
Estimate of £449k for this detached house. 119 sales in GL17 in the last 12 months; median £270k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£450,000
- SDLT standard£12,500
- SDLT BTL surcharge (5%)£22,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£487,100
Funding
- Deposit (25%)£112,500
- Mortgage (75% LTV)£337,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£149,600
Monthly Returns
- Monthly Rent (estimate)£1,450
- Mortgage Payment (IO)-£1,477
- Management (10%)-£145
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£272
Capital Returns
- 5yr Property Value£467,362
- 5yr Capital Gain (0.76% pa, historical)+£17,362
- 5yr Cumulative Rent (net)+£75,490
- Less mortgage interest-£88,620
- 5yr Total Return+£4,232
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 | £453,420 | £115,920 | -£3,264 | +£156 | 0.1% |
| Year 2 | £456,866 | £119,366 | -£6,216 | +£650 | 0.4% |
| Year 3 | £460,338 | £122,838 | -£8,849 | +£1,489 | 1.0% |
| Year 4 | £463,837 | £126,337 | -£11,156 | +£2,681 | 1.8% |
| Year 5 | £467,362 | £129,862 | -£13,130 | +£4,232 | 2.8% |
Modelled on the live asking price. Capital growth 0.76% a year is the GL17 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 (£149,600).
Price Forecast
No forecast available.