Site of Withyfields, Withybed Lane, Inkberrow, WR7 4JJ
Estimate of £487k for this detached house. 49 sales in WR7 in the last 12 months; median £485k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£495,000
- SDLT standard£14,750
- SDLT BTL surcharge (5%)£24,750
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£536,600
Funding
- Deposit (25%)£123,750
- Mortgage (75% LTV)£371,250
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£165,350
Monthly Returns
- Monthly Rent (estimate)£1,250
- Mortgage Payment (IO)-£1,624
- Management (10%)-£125
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£599
Capital Returns
- 5yr Property Value£564,982
- 5yr Capital Gain (2.68% pa, historical)+£69,982
- 5yr Cumulative Rent (net)+£64,249
- Less mortgage interest-£97,440
- 5yr Total Return+£36,790
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 | £508,266 | £137,016 | -£7,188 | +£6,078 | 3.7% |
| Year 2 | £521,888 | £150,638 | -£14,112 | +£12,776 | 7.7% |
| Year 3 | £535,874 | £164,624 | -£20,754 | +£20,120 | 12.2% |
| Year 4 | £550,236 | £178,986 | -£27,120 | +£28,116 | 17.0% |
| Year 5 | £564,982 | £193,732 | -£33,191 | +£36,790 | 22.3% |
Modelled on the live asking price. Capital growth 2.68% a year is the WR7 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 (£165,350).
Price Forecast
No forecast available.