Woodcote, Hammill Road, Woodnesborough, Sandwich, CT13 0PR
Estimate of £670k for this detached house. 116 sales in CT13 in the last 12 months; median £336k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£459,995
- SDLT standard£13,000
- SDLT BTL surcharge (5%)£23,000
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£498,095
Funding
- Deposit (25%)£114,999
- Mortgage (75% LTV)£344,996
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£153,099
Monthly Returns
- Monthly Rent (estimate)£3,150
- Mortgage Payment (IO)-£1,509
- Management (10%)-£315
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£1,226
Capital Returns
- 5yr Property Value£490,924
- 5yr Capital Gain (1.31% pa, historical)+£30,929
- 5yr Cumulative Rent (net)+£171,045
- Less mortgage interest-£90,540
- 5yr Total Return+£111,434
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 | £466,021 | £121,025 | +£14,712 | +£20,738 | 13.5% |
| Year 2 | £472,126 | £127,130 | +£30,108 | +£42,239 | 27.6% |
| Year 3 | £478,311 | £133,314 | +£46,191 | +£64,507 | 42.1% |
| Year 4 | £484,577 | £139,580 | +£62,989 | +£87,570 | 57.2% |
| Year 5 | £490,924 | £145,928 | +£80,505 | +£111,434 | 72.8% |
Modelled on the live asking price. Capital growth 1.31% a year is the CT13 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 (£153,099).
Price Forecast
No forecast available.