98 Lisburn Lane, Liverpool, L13 9AQ
Estimate of £157k for this end terrace house. 302 sales in L13 in the last 12 months; median £140k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£125,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£6,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£133,350
Funding
- Deposit (25%)£31,250
- Mortgage (75% LTV)£93,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£39,600
Monthly Returns
- Monthly Rent (estimate)£1,200
- Mortgage Payment (IO)-£410
- Management (10%)-£120
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£570
Capital Returns
- 5yr Property Value£159,080
- 5yr Capital Gain (4.94% pa, historical)+£34,080
- 5yr Cumulative Rent (net)+£61,450
- Less mortgage interest-£24,600
- 5yr Total Return+£70,930
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 | £131,175 | £37,425 | +£6,840 | +£13,015 | 32.9% |
| Year 2 | £137,655 | £43,905 | +£13,944 | +£26,599 | 67.2% |
| Year 3 | £144,455 | £50,705 | +£21,306 | +£40,761 | 102.9% |
| Year 4 | £151,591 | £57,841 | +£28,943 | +£55,534 | 140.2% |
| Year 5 | £159,080 | £65,330 | +£36,850 | +£70,930 | 179.1% |
Modelled on the live asking price. Capital growth 4.94% a year is the L13 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 (£39,600).
Price Forecast
No forecast available.