85 Fieldhouse Way, Stafford, ST17 4FH
Estimate of £226k for this semi-detached house. 375 sales in ST17 in the last 12 months; median £235k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£220,000
- SDLT standard£1,900
- SDLT BTL surcharge (5%)£11,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£235,000
Funding
- Deposit (25%)£55,000
- Mortgage (75% LTV)£165,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£70,000
Monthly Returns
- Monthly Rent (estimate)£1,100
- Mortgage Payment (IO)-£722
- Management (10%)-£110
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£168
Capital Returns
- 5yr Property Value£242,779
- 5yr Capital Gain (1.99% pa, historical)+£22,779
- 5yr Cumulative Rent (net)+£55,829
- Less mortgage interest-£43,320
- 5yr Total Return+£35,288
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 | £224,378 | £59,378 | +£2,016 | +£6,394 | 9.1% |
| Year 2 | £228,843 | £63,843 | +£4,272 | +£13,115 | 18.7% |
| Year 3 | £233,397 | £68,397 | +£6,773 | +£20,170 | 28.8% |
| Year 4 | £238,042 | £73,042 | +£9,513 | +£27,555 | 39.4% |
| Year 5 | £242,779 | £77,779 | +£12,509 | +£35,288 | 50.4% |
Modelled on the live asking price. Capital growth 1.99% a year is the ST17 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 (£70,000).
Price Forecast
No forecast available.