Plasbach, Llanarthney, Carmarthen, SA32 8JP
Estimate of £994k for this detached house. 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£60,000
- SDLT standard£0
- SDLT BTL surcharge (5%)£3,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£65,100
Funding
- Deposit (25%)£15,000
- Mortgage (75% LTV)£45,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£20,100
Monthly Returns
- Monthly Rent (estimate)£3,150
- Mortgage Payment (IO)-£197
- Management (10%)-£315
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£2,538
Capital Returns
- 5yr Property Value£62,594
- 5yr Capital Gain (0.85% pa, historical)+£2,594
- 5yr Cumulative Rent (net)+£171,045
- Less mortgage interest-£11,820
- 5yr Total Return+£161,818
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 | £60,510 | £15,510 | +£30,456 | +£30,966 | 154.1% |
| Year 2 | £61,024 | £16,024 | +£61,596 | +£62,620 | 311.5% |
| Year 3 | £61,543 | £16,543 | +£93,423 | +£94,966 | 472.5% |
| Year 4 | £62,066 | £17,066 | +£125,965 | +£128,031 | 637.0% |
| Year 5 | £62,594 | £17,594 | +£159,225 | +£161,818 | 805.1% |
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 (£20,100).
Price Forecast
No forecast available.