Copper Birch, The Avenue, Pontypridd, CF37 4DF
Estimate of £358k for this flat/maisonette. 380 sales in CF37 in the last 12 months; median £150k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£360,000
- SDLT standard£8,000
- SDLT BTL surcharge (5%)£18,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£388,100
Funding
- Deposit (25%)£90,000
- Mortgage (75% LTV)£270,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£118,100
Monthly Returns
- Monthly Rent (estimate)£1,650
- Mortgage Payment (IO)-£1,181
- Management (10%)-£165
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£204
Capital Returns
- 5yr Property Value£431,922
- 5yr Capital Gain (3.71% pa, historical)+£71,922
- 5yr Cumulative Rent (net)+£86,732
- Less mortgage interest-£70,860
- 5yr Total Return+£87,794
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 | £373,356 | £103,356 | +£2,448 | +£15,804 | 13.4% |
| Year 2 | £387,208 | £117,208 | +£5,256 | +£32,464 | 27.5% |
| Year 3 | £401,573 | £131,573 | +£8,420 | +£49,993 | 42.3% |
| Year 4 | £416,471 | £146,471 | +£11,960 | +£68,431 | 57.9% |
| Year 5 | £431,922 | £161,922 | +£15,872 | +£87,794 | 74.3% |
Modelled on the live asking price. Capital growth 3.71% a year is the CF37 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 (£118,100).
Price Forecast
No forecast available.