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£425,000 Guide Price
Bedrooms
Bathrooms
Just a leisurely stroll to the bustling village centre and the abundance of facilities on offer this natural stone property is a real delight. A wealth of period charm runs throughout the whole cottage including beams, exposed brickwork, ledge and brace doors, hearth and fireplace. The spacious, light and airy accommodation includes a fabulous dual aspect kitchen/dining room which runs from the front to the rear opening onto the garden. The cottage style kitchen offers a good range of units, Butler sink and a superb range cooker set in a red brick chimney breast creating a real warmth to this fabulous, family space. The sitting room is also dual aspect with a hefty array of beams and is centred around an attractive fireplace with stove, a wonderful space to relax and enjoy the cosy warmth of the fire. There are two double bedrooms to the first floor, one with ornate fireplace and both have storage with the principle bedroom on the second floor enjoying an ensuite with stand alone bath.
The attractive garden affords a good degree of privacy and the patio adjacent the dining room is a superb spot for alfresco entertaining. Steps rise to a lawn area and the summerhouse/office to the rear boundary is a superb attribute. Sold with no onward chain, this wonderful family home offers period living at its very best and the charming features throughout ensure an appointment to view will not disappoint.
Eynsham is a thriving village situated off the A40 midway between Oxford and Witney. It has a wide variety of shops for most day-to-day needs, chemist, post office, churches, several public houses and, a library. There is a primary school and Bartholomew Secondary School received Outstanding in the most recent Ofsted report. There is a village hall, numerous active clubs and societies, youth centre and sports pavilion. An excellent bus service runs to both Witney/Oxford/Carterton and there is an hourly bus service to the John Radcliffe Hospital.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £1,837.98
Total Interest: £236,674.30
Overall Total: £661,674.30
Amortization For Monthly Payment: £1,837.98 over 30 years ( Based on 3.20% Interest )
Year | Interest | Principal | Balance |
---|---|---|---|
2025 | £13,474.87 | £8,580.94 | £416,419.06 |
2026 | £13,196.22 | £8,859.59 | £407,559.47 |
2027 | £12,908.52 | £9,147.29 | £398,412.18 |
2028 | £12,611.47 | £9,444.34 | £388,967.84 |
2029 | £12,304.78 | £9,751.03 | £379,216.81 |
2030 | £11,988.13 | £10,067.68 | £369,149.13 |
2031 | £11,661.20 | £10,394.61 | £358,754.52 |
2032 | £11,323.65 | £10,732.16 | £348,022.36 |
2033 | £10,975.14 | £11,080.67 | £336,941.68 |
2034 | £10,615.31 | £11,440.50 | £325,501.18 |
2035 | £10,243.79 | £11,812.02 | £313,689.16 |
2036 | £9,860.22 | £12,195.59 | £301,493.57 |
2037 | £9,464.18 | £12,591.63 | £288,901.94 |
2038 | £9,055.29 | £13,000.52 | £275,901.42 |
2039 | £8,633.12 | £13,422.69 | £262,478.73 |
2040 | £8,197.23 | £13,858.58 | £248,620.15 |
2041 | £7,747.20 | £14,308.61 | £234,311.54 |
2042 | £7,282.54 | £14,773.27 | £219,538.27 |
2043 | £6,802.80 | £15,253.01 | £204,285.27 |
2044 | £6,307.49 | £15,748.32 | £188,536.94 |
2045 | £5,796.08 | £16,259.73 | £172,277.21 |
2046 | £5,268.07 | £16,787.74 | £155,489.47 |
2047 | £4,722.91 | £17,332.90 | £138,156.58 |
2048 | £4,160.05 | £17,895.76 | £120,260.82 |
2049 | £3,578.92 | £18,476.89 | £101,783.93 |
2050 | £2,978.91 | £19,076.90 | £82,707.02 |
2051 | £2,359.41 | £19,696.40 | £63,010.62 |
2052 | £1,719.80 | £20,336.01 | £42,674.61 |
2053 | £1,059.42 | £20,996.39 | £21,678.22 |
2054 | £377.59 | £21,678.22 | £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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Fri Jul 04 2025
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Fri Jul 04 2025
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