Cilyrynys, Porthyrhyd, Carmarthen, SA32 8PX
Estimate of £409k for this detached house. 58 sales in SA32 in the last 12 months; median £303k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£300,000
- SDLT standard£5,000
- SDLT BTL surcharge (5%)£15,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£322,100
Funding
- Deposit (25%)£75,000
- Mortgage (75% LTV)£225,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£97,100
Monthly Returns
- Monthly Rent (estimate)£1,300
- Mortgage Payment (IO)-£984
- Management (10%)-£130
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£86
Capital Returns
- 5yr Property Value£312,969
- 5yr Capital Gain (0.85% pa, historical)+£12,969
- 5yr Cumulative Rent (net)+£67,059
- Less mortgage interest-£59,040
- 5yr Total Return+£20,988
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 | £302,550 | £77,550 | +£1,032 | +£3,582 | 3.7% |
| Year 2 | £305,122 | £80,122 | +£2,340 | +£7,462 | 7.7% |
| Year 3 | £307,715 | £82,715 | +£3,942 | +£11,657 | 12.0% |
| Year 4 | £310,331 | £85,331 | +£5,833 | +£16,164 | 16.6% |
| Year 5 | £312,969 | £87,969 | +£8,019 | +£20,988 | 21.6% |
Modelled on the live asking price. Capital growth 0.85% a year is the SA32 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 (£97,100).
Price Forecast
No forecast available.