Llwyn Haf, Llanarthney, Carmarthen, SA32 8HS
Estimate of £634k for this detached bungalow. 58 sales in SA32 in the last 12 months; median £303k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£650,000
- SDLT standard£22,500
- SDLT BTL surcharge (5%)£32,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£707,100
Funding
- Deposit (25%)£162,500
- Mortgage (75% LTV)£487,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£219,600
Monthly Returns
- Monthly Rent (estimate)£2,000
- Mortgage Payment (IO)-£2,133
- Management (10%)-£200
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£433
Capital Returns
- 5yr Property Value£678,099
- 5yr Capital Gain (0.85% pa, historical)+£28,099
- 5yr Cumulative Rent (net)+£106,417
- Less mortgage interest-£127,980
- 5yr Total Return+£6,536
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 | £655,525 | £168,025 | -£5,196 | +£329 | 0.1% |
| Year 2 | £661,097 | £173,597 | -£9,960 | +£1,137 | 0.5% |
| Year 3 | £666,716 | £179,216 | -£14,282 | +£2,434 | 1.1% |
| Year 4 | £672,383 | £184,883 | -£18,153 | +£4,230 | 1.9% |
| Year 5 | £678,099 | £190,599 | -£21,563 | +£6,536 | 3.0% |
Modelled on the live asking price. Capital growth 0.85% a year is the SA32 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 (£219,600).
Price Forecast
No forecast available.