Pemberly Ash, White Stubbs Lane, Broxbourne, EN10 7PZ
Estimate of £1.74M for this detached bungalow. 188 sales in EN10 in the last 12 months; median £435k.
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)£6,200
- Mortgage Payment (IO)-£5,742
- Management (10%)-£620
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£262
Capital Returns
- 5yr Property Value£1,738,655
- 5yr Capital Gain (-0.13% pa, historical)-£11,345
- 5yr Cumulative Rent (net)+£342,469
- Less mortgage interest-£344,520
- 5yr Total Return-£13,397
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 | £1,747,725 | £435,225 | -£3,144 | -£5,419 | -0.8% |
| Year 2 | £1,745,453 | £432,953 | -£4,944 | -£9,491 | -1.5% |
| Year 3 | £1,743,184 | £430,684 | -£5,382 | -£12,198 | -1.9% |
| Year 4 | £1,740,918 | £428,418 | -£4,428 | -£13,511 | -2.1% |
| Year 5 | £1,738,655 | £426,155 | -£2,051 | -£13,397 | -2.1% |
Modelled on the live asking price. Capital growth -0.13% a year is the EN10 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.