Coed Celyn, Kidwelly, SA17 5AH
Estimate of £176k for this bungalow property. 111 sales in SA17 in the last 12 months; median £178k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£700,000
- SDLT standard£25,000
- SDLT BTL surcharge (5%)£35,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£762,100
Funding
- Deposit (25%)£175,000
- Mortgage (75% LTV)£525,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£237,100
Monthly Returns
- Monthly Rent (estimate)£1,000
- Mortgage Payment (IO)-£2,297
- Management (10%)-£100
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£1,497
Capital Returns
- 5yr Property Value£828,172
- 5yr Capital Gain (3.42% pa, historical)+£128,172
- 5yr Cumulative Rent (net)+£50,208
- Less mortgage interest-£137,820
- 5yr Total Return+£40,561
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 | £723,940 | £198,940 | -£17,964 | +£5,976 | 2.5% |
| Year 2 | £748,699 | £223,699 | -£35,712 | +£12,987 | 5.5% |
| Year 3 | £774,304 | £249,304 | -£53,239 | +£21,065 | 8.9% |
| Year 4 | £800,785 | £275,785 | -£70,541 | +£30,245 | 12.8% |
| Year 5 | £828,172 | £303,172 | -£87,612 | +£40,561 | 17.1% |
Modelled on the live asking price. Capital growth 3.42% a year is the SA17 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 (£237,100).
Price Forecast
No forecast available.