75 Shearwater Crescent, Walney, Barrow-in-Furness, LA14 3JP
Estimate of £248k for this semi-detached house. 560 sales in LA14 in the last 12 months; median £130k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£240,000
- SDLT standard£2,300
- SDLT BTL surcharge (5%)£12,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£256,400
Funding
- Deposit (25%)£60,000
- Mortgage (75% LTV)£180,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£76,400
Monthly Returns
- Monthly Rent (estimate)£1,100
- Mortgage Payment (IO)-£788
- Management (10%)-£110
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£102
Capital Returns
- 5yr Property Value£259,952
- 5yr Capital Gain (1.61% pa, historical)+£19,952
- 5yr Cumulative Rent (net)+£55,829
- Less mortgage interest-£47,280
- 5yr Total Return+£28,502
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 | £243,864 | £63,864 | +£1,224 | +£5,088 | 6.7% |
| Year 2 | £247,790 | £67,790 | +£2,688 | +£10,478 | 13.7% |
| Year 3 | £251,780 | £71,780 | +£4,397 | +£16,177 | 21.2% |
| Year 4 | £255,833 | £75,833 | +£6,345 | +£22,179 | 29.0% |
| Year 5 | £259,952 | £79,952 | +£8,549 | +£28,502 | 37.3% |
Modelled on the live asking price. Capital growth 1.61% a year is the LA14 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 (£76,400).
Price Forecast
No forecast available.