Copcourt Manor, Thame Road, Tetsworth, Thame, OX9 7DE
Estimate of £2.38M for this detached house. 176 sales in OX9 in the last 12 months; median £450k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£2,390,000
- SDLT standard£200,550
- SDLT BTL surcharge (5%)£119,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£2,712,150
Funding
- Deposit (25%)£597,500
- Mortgage (75% LTV)£1,792,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£919,650
Monthly Returns
- Monthly Rent (estimate)£8,500
- Mortgage Payment (IO)-£7,842
- Management (10%)-£850
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£292
Capital Returns
- 5yr Property Value£2,472,373
- 5yr Capital Gain (0.68% pa, historical)+£82,373
- 5yr Cumulative Rent (net)+£471,736
- Less mortgage interest-£470,520
- 5yr Total Return+£83,589
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 | £2,406,252 | £613,752 | -£3,504 | +£12,748 | 1.4% |
| Year 2 | £2,422,615 | £630,115 | -£5,172 | +£27,443 | 3.0% |
| Year 3 | £2,439,088 | £646,588 | -£4,963 | +£44,125 | 4.8% |
| Year 4 | £2,455,674 | £663,174 | -£2,848 | +£62,826 | 6.8% |
| Year 5 | £2,472,373 | £679,873 | +£1,216 | +£83,589 | 9.1% |
Modelled on the live asking price. Capital growth 0.68% a year is the OX9 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 (£919,650).
Price Forecast
No forecast available.