Hillview, Upper Lydbrook, Lydbrook, GL17 9LG
Estimate of £291k for this bungalow property. 119 sales in GL17 in the last 12 months; median £270k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£274,000
- SDLT standard£3,700
- SDLT BTL surcharge (5%)£13,700
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£293,500
Funding
- Deposit (25%)£68,500
- Mortgage (75% LTV)£205,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£88,000
Monthly Returns
- Monthly Rent (estimate)£950
- Mortgage Payment (IO)-£899
- Management (10%)-£95
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£144
Capital Returns
- 5yr Property Value£284,571
- 5yr Capital Gain (0.76% pa, historical)+£10,571
- 5yr Cumulative Rent (net)+£47,386
- Less mortgage interest-£53,940
- 5yr Total Return+£4,018
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 | £276,082 | £70,582 | -£1,728 | +£354 | 0.4% |
| Year 2 | £278,181 | £72,681 | -£3,252 | +£929 | 1.1% |
| Year 3 | £280,295 | £74,795 | -£4,567 | +£1,727 | 2.0% |
| Year 4 | £282,425 | £76,925 | -£5,670 | +£2,755 | 3.1% |
| Year 5 | £284,571 | £79,071 | -£6,554 | +£4,018 | 4.6% |
Modelled on the live asking price. Capital growth 0.76% a year is the GL17 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 (£88,000).
Price Forecast
No forecast available.