Glebe Cottage, Wheatfield, Thame, OX9 7EW
Estimate of £666k 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£9,900
- SDLT standard£0
- SDLT BTL surcharge (5%)£0
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£12,000
Funding
- Deposit (25%)£2,475
- Mortgage (75% LTV)£7,425
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£4,575
Monthly Returns
- Monthly Rent (estimate)£2,400
- Mortgage Payment (IO)-£32
- Management (10%)-£240
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£2,028
Capital Returns
- 5yr Property Value£10,241
- 5yr Capital Gain (0.68% pa, historical)+£341
- 5yr Cumulative Rent (net)+£128,876
- Less mortgage interest-£1,920
- 5yr Total Return+£127,298
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 | £9,967 | £2,542 | +£24,336 | +£24,403 | 533.4% |
| Year 2 | £10,035 | £2,610 | +£49,188 | +£49,323 | 1078.1% |
| Year 3 | £10,103 | £2,678 | +£74,568 | +£74,771 | 1634.3% |
| Year 4 | £10,172 | £2,747 | +£100,486 | +£100,758 | 2202.4% |
| Year 5 | £10,241 | £2,816 | +£126,956 | +£127,298 | 2782.5% |
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 (£4,575).
Price Forecast
No forecast available.