35 Sapling Road, Swinton, Manchester, M27 0BY

UPRN:100011386691Detached House3 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band DEPC: D (58)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

Valuation estimateUpdated 2 days ago

£448,000

Estimated value

Range: £426k - £470k|Last sold: £300k (2017-11-09)

Estimate of £448k for this detached house. 449 sales in M27 in the last 12 months; median £222k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£448k

£426k - £470k - High confidence

Annualised (CAGR)

+3.24%

Over the full window

Peak estimate

£494k

May 2023

From peak

-9.31%

Drawdown from peak

AVM estimate (model)Repeat-sales index - M27 district (quarterly)index YoY +1.92%

Growth by window

-5.08%

-5.88%

12m

-8.76%

24m

-0.67%

60m

+5.91%

Rental Market

Monthly

Estimated rent (pcm)

£2,300

/ month

Gross yield

6.13%

Rent ÷ asking price

Net yield

4.25%

Assumes ~31% running costs (not this property's)

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£222k

M27 sales, last 12 months

12m Price Growth

M27 median, Land Registry

Days on Market

74d

M27 average

Sales & Yield

3 metrics

Transactions / 12m

449

M27 sales

Area Gross Yield

4.95%

M27 medians

Last Sold

£300k

2017-11-09

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£450,000
SDLT standard£12,500
SDLT BTL surcharge (5%)£22,500
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£487,100

Funding

Deposit (25%)£112,500
Mortgage (75% LTV)£337,500
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£149,600

Monthly Returns

Monthly Rent (estimate)£2,300
Mortgage Payment (IO)-£1,477
Management (10%)-£230
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£493

Capital Returns

5yr Property Value£531,368
5yr Capital Gain (3.38% pa, historical)+£81,368
5yr Cumulative Rent (net, before lease costs)+£123,268
Less mortgage interest-£88,620
5yr Total Return (before lease costs)+£116,015

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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.

5-Year Projection

BTL · Interest Only

Year	Property Value	Equity	Cashflow (cumulative)	Total Return	ROI
Year 1	£465,210	£127,710	+£5,916	+£21,126	14.1%
Year 2	£480,934	£143,434	+£12,324	+£43,258	28.9%
Year 3	£497,190	£159,690	+£19,247	+£66,437	44.4%
Year 4	£513,995	£176,495	+£26,684	+£90,679	60.6%
Year 5	£531,368	£193,868	+£34,648	+£116,015	77.6%

Modelled on the live asking price. Capital growth 3.38% a year is the M27 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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£149,600).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,556

Population

Signal

1.8%

Households Deprived

Upside Opportunities

0 levers