Mountjoys Youldon, Chilsworthy, Holsworthy, EX22 7JJ
Estimate of £480k for this detached house. 118 sales in EX22 in the last 12 months; median £290k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£4,500
- SDLT standard£0
- SDLT BTL surcharge (5%)£0
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£6,600
Funding
- Deposit (25%)£1,125
- Mortgage (75% LTV)£3,375
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£3,225
Monthly Returns
- Monthly Rent (estimate)£1,500
- Mortgage Payment (IO)-£15
- Management (10%)-£150
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£1,235
Capital Returns
- 5yr Property Value£4,329
- 5yr Capital Gain (-0.77% pa, historical)-£171
- 5yr Cumulative Rent (net)+£78,313
- Less mortgage interest-£900
- 5yr Total Return+£77,242
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 | £4,465 | £1,090 | +£14,820 | +£14,785 | 458.5% |
| Year 2 | £4,431 | £1,056 | +£29,964 | +£29,895 | 927.0% |
| Year 3 | £4,397 | £1,022 | +£45,439 | +£45,336 | 1405.8% |
| Year 4 | £4,363 | £988 | +£61,253 | +£61,116 | 1895.1% |
| Year 5 | £4,329 | £954 | +£77,413 | +£77,242 | 2395.1% |
Modelled on the live asking price. Capital growth -0.77% a year is the EX22 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 (£3,225).
Price Forecast
No forecast available.