90 Walton Road, Frinton-on-Sea, CO13 0AG
Estimate of £299k for this semi-detached house. 211 sales in CO13 in the last 12 months; median £318k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£290,000
- SDLT standard£4,500
- SDLT BTL surcharge (5%)£14,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£311,100
Funding
- Deposit (25%)£72,500
- Mortgage (75% LTV)£217,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£93,600
Monthly Returns
- Monthly Rent (estimate)£1,350
- Mortgage Payment (IO)-£952
- Management (10%)-£135
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£163
Capital Returns
- 5yr Property Value£292,765
- 5yr Capital Gain (0.19% pa, historical)+£2,765
- 5yr Cumulative Rent (net)+£69,881
- Less mortgage interest-£57,120
- 5yr Total Return+£15,527
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 | £290,551 | £73,051 | +£1,956 | +£2,507 | 2.7% |
| Year 2 | £291,103 | £73,603 | +£4,200 | +£5,303 | 5.7% |
| Year 3 | £291,656 | £74,156 | +£6,750 | +£8,407 | 9.0% |
| Year 4 | £292,210 | £74,710 | +£9,602 | +£11,812 | 12.6% |
| Year 5 | £292,765 | £75,265 | +£12,761 | +£15,527 | 16.6% |
Modelled on the live asking price. Capital growth 0.19% a year is the CO13 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 (£93,600).
Price Forecast
No forecast available.