Ffynnonbedr Farm, Letterston, Haverfordwest, SA62 5TB
Estimate of £316k for this semi-detached house. 172 sales in SA62 in the last 12 months; median £291k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£55,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£2,750
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£59,850
Funding
- Deposit (25%)£13,750
- Mortgage (75% LTV)£41,250
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£18,600
Monthly Returns
- Monthly Rent (estimate)£1,150
- Mortgage Payment (IO)-£180
- Management (10%)-£115
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£755
Capital Returns
- 5yr Property Value£64,788
- 5yr Capital Gain (3.33% pa, historical)+£9,788
- 5yr Cumulative Rent (net)+£58,640
- Less mortgage interest-£10,800
- 5yr Total Return+£57,628
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 | £56,832 | £15,582 | +£9,060 | +£10,892 | 58.6% |
| Year 2 | £58,724 | £17,474 | +£18,372 | +£22,096 | 118.8% |
| Year 3 | £60,679 | £19,429 | +£27,930 | +£33,609 | 180.7% |
| Year 4 | £62,700 | £21,450 | +£37,750 | +£45,450 | 244.4% |
| Year 5 | £64,788 | £23,538 | +£47,840 | +£57,628 | 309.8% |
Modelled on the live asking price. Capital growth 3.33% a year is the SA62 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 (£18,600).
Price Forecast
No forecast available.