79 Raven Road, Stokenchurch, High Wycombe, HP14 3QW
Estimate of £617k for this detached house. 167 sales in HP14 in the last 12 months; median £470k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£625,000
- SDLT standard£21,250
- SDLT BTL surcharge (5%)£31,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£679,600
Funding
- Deposit (25%)£156,250
- Mortgage (75% LTV)£468,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£210,850
Monthly Returns
- Monthly Rent (estimate)£1,900
- Mortgage Payment (IO)-£2,051
- Management (10%)-£190
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£441
Capital Returns
- 5yr Property Value£670,984
- 5yr Capital Gain (1.43% pa, historical)+£45,984
- 5yr Cumulative Rent (net)+£100,772
- Less mortgage interest-£123,060
- 5yr Total Return+£23,696
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 | £633,938 | £165,188 | -£5,292 | +£3,646 | 1.7% |
| Year 2 | £643,003 | £174,253 | -£10,176 | +£7,827 | 3.7% |
| Year 3 | £652,198 | £183,448 | -£14,643 | +£12,555 | 6.0% |
| Year 4 | £661,524 | £192,774 | -£18,683 | +£17,841 | 8.5% |
| Year 5 | £670,984 | £202,234 | -£22,288 | +£23,696 | 11.2% |
Modelled on the live asking price. Capital growth 1.43% a year is the HP14 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 (£210,850).
Price Forecast
No forecast available.