Southfield Farm, Seaton Road, Broughton Moor, Maryport, CA15 8ST
Estimate of £319k for this detached house. 179 sales in CA15 in the last 12 months; median £150k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£400,000
- SDLT standard£10,000
- SDLT BTL surcharge (5%)£20,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£432,100
Funding
- Deposit (25%)£100,000
- Mortgage (75% LTV)£300,000
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£132,100
Monthly Returns
- Monthly Rent (estimate)£1,350
- Mortgage Payment (IO)-£1,312
- Management (10%)-£135
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£197
Capital Returns
- 5yr Property Value£492,775
- 5yr Capital Gain (4.26% pa, historical)+£92,775
- 5yr Cumulative Rent (net)+£69,881
- Less mortgage interest-£78,720
- 5yr Total Return+£83,936
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 | £417,040 | £117,040 | -£2,364 | +£14,676 | 11.1% |
| Year 2 | £434,806 | £134,806 | -£4,440 | +£30,366 | 23.0% |
| Year 3 | £453,329 | £153,329 | -£6,210 | +£47,119 | 35.7% |
| Year 4 | £472,640 | £172,640 | -£7,678 | +£64,962 | 49.2% |
| Year 5 | £492,775 | £192,775 | -£8,839 | +£83,936 | 63.5% |
Modelled on the live asking price. Capital growth 4.26% a year is the CA15 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 (£132,100).
Price Forecast
No forecast available.