76 Court Orchard, Wotton-under-Edge, GL12 7JE
Estimate of £402k for this detached house. 125 sales in GL12 in the last 12 months; median £388k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£390,000
- SDLT standard£9,500
- SDLT BTL surcharge (5%)£19,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£421,100
Funding
- Deposit (25%)£97,500
- Mortgage (75% LTV)£292,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£128,600
Monthly Returns
- Monthly Rent (estimate)£1,350
- Mortgage Payment (IO)-£1,280
- Management (10%)-£135
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£165
Capital Returns
- 5yr Property Value£422,630
- 5yr Capital Gain (1.62% pa, historical)+£32,630
- 5yr Cumulative Rent (net)+£69,881
- Less mortgage interest-£76,800
- 5yr Total Return+£25,712
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 | £396,318 | £103,818 | -£1,980 | +£4,338 | 3.4% |
| Year 2 | £402,738 | £110,238 | -£3,672 | +£9,066 | 7.1% |
| Year 3 | £409,263 | £116,763 | -£5,058 | +£14,205 | 11.0% |
| Year 4 | £415,893 | £123,393 | -£6,142 | +£19,751 | 15.4% |
| Year 5 | £422,630 | £130,130 | -£6,919 | +£25,712 | 20.0% |
Modelled on the live asking price. Capital growth 1.62% a year is the GL12 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 (£128,600).
Price Forecast
No forecast available.