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£675,000
Bedrooms
Bathrooms
A UNIQUE, THREE-BEDROOM DETACHED COTTAGE, OVERLOOKING A POND AND GREEN, YET WITHIN A SHORT WALK OF THE CENTRE AND MAINLINE STATION. THIS IS A ONE-OFF OPPORTUNITY.
ENTRANCE HALL: Stairs to landing, solid wood floor, understairs cupboard.
DINING ROOM: 12.1 x 11.4 (3.68 x 3.45m), Double glazed, radiator, stone floor, opening to;
KITCHEN: 15.8 x 8.9 (4.78 x 2.67m), Double glazed, excellent range of base and wall cupboards, laminated worksurfaces, stainless steel sink and drainer, gas range oven, stone floor.
LOUNGE: 21.8 x 11.5 (6.6 x 3.48m), Double glazed windows and double doors to rear, brick open fireplace, solid wood floor.
REAR LOBBY: Door to garden, radiator.
UTILITY ROOM: 5.6 x 4.1 (1.68 x 1.24m), Stainless steel sink unit, plumbed for automatic washing machine.
CLOAKROOM: Double glazed, low level W.C. and wash hand basin, stone floor.
LANDING: Double glazed, loft access.
BEDROOM 1: 11.9 x 11.7 (3.58 x 3.53m), Double glazed, radiator.
BEDROOM 2: 11.9 x 11.5 (3.58 x 3.48m), Double glazed, radiator.
BEDROOM 3: 8.9 x 5.7 (2.67 x 1.7m) plus 2.9 x 2.8 (0.84 x 0.81 door recess), Double glazed, radiator.
BATHROOM (Refitted in 2024): 8.5 x 5.6 (2.57 x 1.68m), Double glazed, heated towel rail, suite of panelled bath and wall mounted shower, low level W.C., vanity wash hand basin, part tiled walls.
OUTSIDE: Side access with gate.
GARDENS: Approx. 150 (45.5m) (not measured), lawned with mature trees and bushes. The garden is not overlooked.
OFF STREET PARKING: For approx. two/three cars.
COUNCIL TAX BAND: F - 3013 p.a.
STAMP DUTY PAYABLE: 23,750
57,500 (If the purchase results in owning two or more properties).
VIEWING: By appointment through this office only on . We are open Monday to Friday 9.00am till 6.00pm and Saturday 9.00am till 4.00pm.
PROPERTY MISDESCRIPTIONS ACT: For clarification, we wish to inform prospective purchasers that we have not carried out a detailed survey, nor tested the services, appliances and specific fittings for this property. Your solicitor should check any rights of way or planning permission for any extensions which may have been carried out.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £2,919.15
Total Interest: £375,894.48
Overall Total: £1,050,894.48
Amortization For Monthly Payment: £2,919.15 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £21,401.27 | £13,628.55 | £661,371.45 |
| 2026 | £20,958.70 | £14,071.12 | £647,300.34 |
| 2027 | £20,501.76 | £14,528.05 | £632,772.28 |
| 2028 | £20,029.98 | £14,999.83 | £617,772.45 |
| 2029 | £19,542.89 | £15,486.93 | £602,285.52 |
| 2030 | £19,039.97 | £15,989.84 | £586,295.68 |
| 2031 | £18,520.73 | £16,509.09 | £569,786.59 |
| 2032 | £17,984.62 | £17,045.20 | £552,741.39 |
| 2033 | £17,431.10 | £17,598.72 | £535,142.67 |
| 2034 | £16,859.61 | £18,170.21 | £516,972.46 |
| 2035 | £16,269.56 | £18,760.26 | £498,212.20 |
| 2036 | £15,660.34 | £19,369.47 | £478,842.73 |
| 2037 | £15,031.35 | £19,998.47 | £458,844.26 |
| 2038 | £14,381.93 | £20,647.89 | £438,196.38 |
| 2039 | £13,711.42 | £21,318.40 | £416,877.98 |
| 2040 | £13,019.13 | £22,010.68 | £394,867.30 |
| 2041 | £12,304.37 | £22,725.45 | £372,141.85 |
| 2042 | £11,566.39 | £23,463.42 | £348,678.43 |
| 2043 | £10,804.45 | £24,225.36 | £324,453.07 |
| 2044 | £10,017.77 | £25,012.04 | £299,441.02 |
| 2045 | £9,205.54 | £25,824.27 | £273,616.75 |
| 2046 | £8,366.94 | £26,662.88 | £246,953.87 |
| 2047 | £7,501.10 | £27,528.72 | £219,425.15 |
| 2048 | £6,607.14 | £28,422.67 | £191,002.48 |
| 2049 | £5,684.16 | £29,345.66 | £161,656.83 |
| 2050 | £4,731.20 | £30,298.61 | £131,358.21 |
| 2051 | £3,747.30 | £31,282.52 | £100,075.70 |
| 2052 | £2,731.45 | £32,298.37 | £67,777.33 |
| 2053 | £1,682.60 | £33,347.21 | £34,430.11 |
| 2054 | £599.70 | £34,430.11 | £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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