85 Quantock View, Bishops Lydeard, Taunton, TA4 3AR
Estimate of £219k for this mid terrace house. 201 sales in TA4 in the last 12 months; median £305k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£200,000
- SDLT standard£1,500
- SDLT BTL surcharge (5%)£10,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£213,600
Funding
- Deposit (25%)£50,000
- Mortgage (75% LTV)£150,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£63,600
Monthly Returns
- Monthly Rent (estimate)£1,000
- Mortgage Payment (IO)-£656
- Management (10%)-£100
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£144
Capital Returns
- 5yr Property Value£183,475
- 5yr Capital Gain (-1.71% pa, historical)-£16,525
- 5yr Cumulative Rent (net)+£50,208
- Less mortgage interest-£39,360
- 5yr Total Return-£5,677
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 | £196,580 | £46,580 | +£1,728 | -£1,692 | -2.7% |
| Year 2 | £193,218 | £43,218 | +£3,672 | -£3,110 | -4.9% |
| Year 3 | £189,914 | £39,914 | +£5,837 | -£4,249 | -6.7% |
| Year 4 | £186,667 | £36,667 | +£8,227 | -£5,106 | -8.0% |
| Year 5 | £183,475 | £33,475 | +£10,848 | -£5,677 | -8.9% |
Modelled on the live asking price. Capital growth -1.71% a year is the TA4 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 (£63,600).
Price Forecast
No forecast available.