Mouse Hall, Brearton, Harrogate, HG3 3BX
Estimate of £1.73M for this detached house. 327 sales in HG3 in the last 12 months; median £367k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£1,750,000
- SDLT standard£123,750
- SDLT BTL surcharge (5%)£87,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£1,963,350
Funding
- Deposit (25%)£437,500
- Mortgage (75% LTV)£1,312,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£650,850
Monthly Returns
- Monthly Rent (estimate)£6,900
- Mortgage Payment (IO)-£5,742
- Management (10%)-£690
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£368
Capital Returns
- 5yr Property Value£1,636,680
- 5yr Capital Gain (-1.33% pa, historical)-£113,320
- 5yr Cumulative Rent (net)+£381,803
- Less mortgage interest-£344,520
- 5yr Total Return-£76,038
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 | £1,726,725 | £414,225 | +£4,416 | -£18,859 | -2.9% |
| Year 2 | £1,703,760 | £391,260 | +£10,320 | -£35,920 | -5.5% |
| Year 3 | £1,681,100 | £368,600 | +£17,745 | -£51,155 | -7.9% |
| Year 4 | £1,658,741 | £346,241 | +£26,725 | -£64,534 | -9.9% |
| Year 5 | £1,636,680 | £324,180 | +£37,283 | -£76,038 | -11.7% |
Modelled on the live asking price. Capital growth -1.33% a year is the HG3 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 (£650,850).
Price Forecast
No forecast available.