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£300,000
'' SELF-BUILD OPPORTUNITY'' A unique chance to acquire this self-build property which forms part of a select development of three similar quality properties on a quiet country lane adjoining fields within the popular North Bedfordshire village of Keysoe. Planning has been granted under reference 18/00044/REF for the erection of a four bedroom detached home with double garaging and parking. The property would have stippled render, Whitby red rustica brickwork and feather board elevations under a hand craftedf tiled roof in keeping with the barns that exist currently. The proposed property would have a welcoming entrance hall with cloakroom and cloak cupboard, lounge with bi-fold doors onto the garden, study, snug/playroom and a spacious kitchen/diner complete with a separate utility room and a further set of Bifold doors onto the garden. Upstairs the all four bedrooms would be double rooms with each benefitting from en-suites. To the front there would be ample parking leading to the double garage which are separate opening doors. There is also access at the rea of the garage to a first floor studio above the garage that could be used as a home gym or office. The rear garden would be enclosed and enjoying countryside views with some established trees to be retained.
Keysoe is a quaint village situated approximately 7 miles from St.Neots and 8 miles to Bedford and the train station. Both towns offering an array or shopping and leisure facilities. Keysoe itself features a church, Kymbrook lower school and also features lots of equestrian facilities and livery yards.
Disclaimer: Please note we do not test any fixtures, fittings, apparatus or services. Any interested parties should undertake their own investigation into the working order of these items. All measurements provided are approximate and photos are provided for guidance only. Potential buyers are advised to re-check the measurements before committing to any expense. Potential buyers are advised to check and confirm the EPC, estate management charges and council tax before committing to any expense. Floorplans are for illustration purposes only. Cooper Wallace do not verify the legal title of the property and the potential buyers should obtain verification from their solicitors committing to any expense.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £1,297.40
Total Interest: £167,064.21
Overall Total: £467,064.21
Amortization For Monthly Payment: £1,297.40 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £9,511.67 | £6,057.13 | £293,942.87 |
| 2026 | £9,314.98 | £6,253.83 | £287,689.04 |
| 2027 | £9,111.89 | £6,456.91 | £281,232.13 |
| 2028 | £8,902.22 | £6,666.59 | £274,565.53 |
| 2029 | £8,685.73 | £6,883.08 | £267,682.45 |
| 2030 | £8,462.21 | £7,106.60 | £260,575.86 |
| 2031 | £8,231.43 | £7,337.37 | £253,238.48 |
| 2032 | £7,993.16 | £7,575.64 | £245,662.84 |
| 2033 | £7,747.16 | £7,821.65 | £237,841.19 |
| 2034 | £7,493.16 | £8,075.65 | £229,765.54 |
| 2035 | £7,230.91 | £8,337.89 | £221,427.65 |
| 2036 | £6,960.15 | £8,608.65 | £212,818.99 |
| 2037 | £6,680.60 | £8,888.21 | £203,930.78 |
| 2038 | £6,391.97 | £9,176.84 | £194,753.94 |
| 2039 | £6,093.96 | £9,474.84 | £185,279.10 |
| 2040 | £5,786.28 | £9,782.53 | £175,496.58 |
| 2041 | £5,468.61 | £10,100.20 | £165,396.38 |
| 2042 | £5,140.62 | £10,428.19 | £154,968.19 |
| 2043 | £4,801.98 | £10,766.83 | £144,201.36 |
| 2044 | £4,452.34 | £11,116.46 | £133,084.90 |
| 2045 | £4,091.35 | £11,477.46 | £121,607.44 |
| 2046 | £3,718.64 | £11,850.17 | £109,757.28 |
| 2047 | £3,333.82 | £12,234.99 | £97,522.29 |
| 2048 | £2,936.51 | £12,632.30 | £84,889.99 |
| 2049 | £2,526.29 | £13,042.51 | £71,847.48 |
| 2050 | £2,102.76 | £13,466.05 | £58,381.43 |
| 2051 | £1,665.47 | £13,903.34 | £44,478.09 |
| 2052 | £1,213.98 | £14,354.83 | £30,123.26 |
| 2053 | £747.82 | £14,820.98 | £15,302.27 |
| 2054 | £266.53 | £15,302.27 | £0.00 |
Using your investment as a 25.00% deposit and £ 5,833 in costs for purchasing and getting ready to let.
Stamp Duty is a tax paid on completion via your solicitor, the calculation includes the 3% surcharge for second homes.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The refurbishment budget is set to 2.50% of the purchase price, but this will vary dependent on the suitability of the property for the rental market. Select a value that you feel is appropriate to the condition of the property.
This will vary between lenders, type of report and whether or not you are buying with a mortgage, for advice on which type of survey would be appropriate speak with an advisor from Preston Baker Financial Services.
Lenders will often charge a fees for the arrangement of a mortgage, for advice on what lenders may charge, speak with an advisor from Preston Baker Financial Services. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the sum of mortgage admin, land registry, search, bank transfer and any other fees incurred.
Purchase costs include assumed mortgage and survey costs which are estimated. For a quote contact a Preston Baker Financial Services mortgage advisor who can provide you with current and accurate information. The stamp duty calculation has applid the 3% stamp duty surcharge on the basis that this will be a second property.
The mortgage is assumed to be interest only. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the percentage of the rent that you will spend maintaining the property.
Ground Rent only applies to leasehold properties. This is an assumed ground rent, the confirmed figure can be found in the Property Information Questionnaire.
Service charge only applies to leasehold properties. The correct figure can found in the Property Information Questionnaire answered by the seller.
This is a standard, indicative figure only. Properties that have a service charge often have this included withing that charge. Please consult the Property Information Questionnaire for more information.
Final Equity Profit = Final Property Value - Mortgage Required - Investment
Cumulative Rental Profit = Annual rental profit x Time of Investment
This is the assumed rate of house price inflation.
This is the property value at the end of the investment based on an assumed rate of % house price inflation.
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Sat May 17 2025
All confirmed! We look forward to speaking with you.
Sat May 17 2025
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