8 Cadwgan Terrace, Pontypridd, CF37 2PD
Estimate of £145k for this property. 380 sales in CF37 in the last 12 months; median £150k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£159,995
- SDLT standard£700
- SDLT BTL surcharge (5%)£8,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£170,795
Funding
- Deposit (25%)£39,999
- Mortgage (75% LTV)£119,996
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£50,799
Monthly Returns
- Monthly Rent (estimate)£1,000
- Mortgage Payment (IO)-£525
- Management (10%)-£100
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow, before lease costs (not stated)+£275
Capital Returns
- 5yr Property Value£191,959
- 5yr Capital Gain (3.71% pa, historical)+£31,964
- 5yr Cumulative Rent (net, before lease costs)+£50,208
- Less mortgage interest-£31,500
- 5yr Total Return (before lease costs)+£50,673
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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £165,931 | £45,935 | +£3,300 | +£9,236 | 18.2% |
| Year 2 | £172,087 | £52,091 | +£6,816 | +£18,908 | 37.2% |
| Year 3 | £178,471 | £58,475 | +£10,553 | +£29,029 | 57.1% |
| Year 4 | £185,093 | £65,096 | +£14,515 | +£39,613 | 78.0% |
| Year 5 | £191,959 | £71,963 | +£18,708 | +£50,673 | 99.8% |
Modelled on the live asking price. Capital growth 3.71% a year is the CF37 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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£50,799).
Price Forecast
No forecast available.