86 The Street, Appledore, Ashford, TN26 2AE
Estimate of £473k for this semi-detached house. 94 sales in TN26 in the last 12 months; median £500k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£650,000
- SDLT standard£22,500
- SDLT BTL surcharge (5%)£32,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£707,100
Funding
- Deposit (25%)£162,500
- Mortgage (75% LTV)£487,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£219,600
Monthly Returns
- Monthly Rent (estimate)£1,600
- Mortgage Payment (IO)-£2,133
- Management (10%)-£160
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£793
Capital Returns
- 5yr Property Value£759,399
- 5yr Capital Gain (3.16% pa, historical)+£109,399
- 5yr Cumulative Rent (net)+£83,934
- Less mortgage interest-£127,980
- 5yr Total Return+£65,353
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 | £670,540 | £183,040 | -£9,516 | +£11,024 | 5.0% |
| Year 2 | £691,729 | £204,229 | -£18,684 | +£23,045 | 10.5% |
| Year 3 | £713,588 | £226,088 | -£27,496 | +£36,091 | 16.4% |
| Year 4 | £736,137 | £248,637 | -£35,957 | +£50,180 | 22.9% |
| Year 5 | £759,399 | £271,899 | -£44,046 | +£65,353 | 29.8% |
Modelled on the live asking price. Capital growth 3.16% a year is the TN26 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 (£219,600).
Price Forecast
No forecast available.