The Owls, 40 High Street, Builth Wells, LD2 3AB
Estimate of £398k for this terraced. 41 sales in LD2 in the last 12 months; median £315k.
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)£1,150
- Mortgage Payment (IO)-£1,312
- Management (10%)-£115
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£377
Capital Returns
- 5yr Property Value£600,078
- 5yr Capital Gain (8.45% pa, historical)+£200,078
- 5yr Cumulative Rent (net)+£58,640
- Less mortgage interest-£78,720
- 5yr Total Return+£179,998
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 | £433,800 | £133,800 | -£4,524 | +£29,276 | 22.2% |
| Year 2 | £470,456 | £170,456 | -£8,796 | +£61,660 | 46.7% |
| Year 3 | £510,210 | £210,210 | -£12,822 | +£97,387 | 73.7% |
| Year 4 | £553,322 | £253,322 | -£16,586 | +£136,737 | 103.5% |
| Year 5 | £600,078 | £300,078 | -£20,080 | +£179,998 | 136.3% |
Modelled on the live asking price. Capital growth 8.45% a year is the LD2 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.