Cider Mill House, Old Hill, Flyford Flavell, Worcester, WR7 4DA
Estimate of £688k for this detached property. 49 sales in WR7 in the last 12 months; median £485k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£785,000
- SDLT standard£29,250
- SDLT BTL surcharge (5%)£39,250
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£855,600
Funding
- Deposit (25%)£196,250
- Mortgage (75% LTV)£588,750
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£266,850
Monthly Returns
- Monthly Rent (estimate)£1,800
- Mortgage Payment (IO)-£2,576
- Management (10%)-£180
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£1,056
Capital Returns
- 5yr Property Value£895,981
- 5yr Capital Gain (2.68% pa, historical)+£110,981
- 5yr Cumulative Rent (net)+£95,163
- Less mortgage interest-£154,560
- 5yr Total Return+£51,585
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 | £806,038 | £217,288 | -£12,672 | +£8,366 | 3.1% |
| Year 2 | £827,640 | £238,890 | -£24,960 | +£17,680 | 6.6% |
| Year 3 | £849,821 | £261,071 | -£36,843 | +£27,977 | 10.5% |
| Year 4 | £872,596 | £283,846 | -£48,325 | +£39,270 | 14.7% |
| Year 5 | £895,981 | £307,231 | -£59,397 | +£51,585 | 19.3% |
Modelled on the live asking price. Capital growth 2.68% a year is the WR7 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 (£266,850).
Price Forecast
No forecast available.