Penybont Hall, Penybont, Llandrindod Wells, LD1 5DD
Estimate of £702k for this detached house. 102 sales in LD1 in the last 12 months; median £253k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£800,000
- SDLT standard£30,000
- SDLT BTL surcharge (5%)£40,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£872,100
Funding
- Deposit (25%)£200,000
- Mortgage (75% LTV)£600,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£272,100
Monthly Returns
- Monthly Rent (estimate)£1,750
- Mortgage Payment (IO)-£2,625
- Management (10%)-£175
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£1,150
Capital Returns
- 5yr Property Value£1,056,016
- 5yr Capital Gain (5.71% pa, historical)+£256,016
- 5yr Cumulative Rent (net)+£92,365
- Less mortgage interest-£157,500
- 5yr Total Return+£190,880
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 | £845,680 | £245,680 | -£13,800 | +£31,880 | 11.7% |
| Year 2 | £893,968 | £293,968 | -£27,216 | +£66,752 | 24.5% |
| Year 3 | £945,014 | £345,014 | -£40,252 | +£104,762 | 38.5% |
| Year 4 | £998,974 | £398,974 | -£52,898 | +£146,076 | 53.7% |
| Year 5 | £1,056,016 | £456,016 | -£65,135 | +£190,880 | 70.2% |
Modelled on the live asking price. Capital growth 5.71% a year is the LD1 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 (£272,100).
Price Forecast
No forecast available.