Wayward Winds, Withybed Lane, Inkberrow, Worcester, WR7 4JJ
Estimate of £563k 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£489,950
- SDLT standard£14,498
- SDLT BTL surcharge (5%)£24,498
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£531,046
Funding
- Deposit (25%)£122,488
- Mortgage (75% LTV)£367,462
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£163,584
Monthly Returns
- Monthly Rent (estimate)£1,450
- Mortgage Payment (IO)-£1,608
- Management (10%)-£145
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£403
Capital Returns
- 5yr Property Value£559,218
- 5yr Capital Gain (2.68% pa, historical)+£69,268
- 5yr Cumulative Rent (net)+£75,490
- Less mortgage interest-£96,480
- 5yr Total Return+£48,278
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 | £503,081 | £135,618 | -£4,836 | +£8,295 | 5.1% |
| Year 2 | £516,563 | £149,101 | -£9,360 | +£17,253 | 10.5% |
| Year 3 | £530,407 | £162,945 | -£13,565 | +£26,892 | 16.4% |
| Year 4 | £544,622 | £177,160 | -£17,444 | +£37,228 | 22.8% |
| Year 5 | £559,218 | £191,755 | -£20,990 | +£48,278 | 29.5% |
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 (£163,584).
Price Forecast
No forecast available.