Victoria Cottage, High Street, Lane End, High Wycombe, HP14 3ER
Estimate of £587k for this detached house. 167 sales in HP14 in the last 12 months; median £470k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£575,000
- SDLT standard£18,750
- SDLT BTL surcharge (5%)£28,750
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£624,600
Funding
- Deposit (25%)£143,750
- Mortgage (75% LTV)£431,250
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£193,350
Monthly Returns
- Monthly Rent (estimate)£1,800
- Mortgage Payment (IO)-£1,887
- Management (10%)-£180
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£367
Capital Returns
- 5yr Property Value£617,305
- 5yr Capital Gain (1.43% pa, historical)+£42,305
- 5yr Cumulative Rent (net)+£95,163
- Less mortgage interest-£113,220
- 5yr Total Return+£24,249
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 | £583,222 | £151,972 | -£4,404 | +£3,818 | 2.0% |
| Year 2 | £591,563 | £160,313 | -£8,424 | +£8,139 | 4.2% |
| Year 3 | £600,022 | £168,772 | -£12,039 | +£12,983 | 6.7% |
| Year 4 | £608,602 | £177,352 | -£15,253 | +£18,349 | 9.5% |
| Year 5 | £617,305 | £186,055 | -£18,057 | +£24,249 | 12.5% |
Modelled on the live asking price. Capital growth 1.43% a year is the HP14 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 (£193,350).
Price Forecast
No forecast available.