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91 High Street, Clay Cross
£200,000
Bedrooms
Bathrooms
Register Your Interest With New Oak Estates!
Plot 8
Spacious New Build Home
Generous Garden Size
Long Driveway
Solar Panels
EV Chargers
Outside Cold Water Taps
Fitted Kitchen + Bathroom
LABC New Build Warranty
Perfect for a Young Family, First Time Buyer or Down Sizer! This spacious home is sure to appeal to many. The location is perfect for ease of access to the local amenities in North Wingfield and Clay Cross.
Positioned in a cul de sac setting of similar properties, this spacious new build semi detached home will offer many mod cons including solar panels to help save on electricity bills and an EV charger too!
Rooms
Hallway
Kitchen - 2.97M x 2.76M
WC
Living Dining Room - 5.16M x 4.12M
Landing
Bedroom - 4.30M x 3.00M
Bedroom - 3.79M x 3.00M
Bedroom - 3.16M x 2.10M
Bathroom - 2.10M x 1.71M
Specification
Kitchen
Symphony Kitchens Woodbury Range units and worktop.
Oven Indesit KFW 3841 JHIX Stainless Steel build in single electric oven
Hob Indesit PAA 642 1X/I WE Stainless Steel gas hob
Cooker hood IAEINT66 LS GR Indesit B/I integrated silver hood
Boiler Ideal logic combination boiler
Bathrooms
Armitage Shanks WC, sink and bath
Shower Mira Jump 8.5 kW.
Shower screen
Solar Panels
Longi - LR5-54HPB 410M. In roof
Garden
Turf to the front and rear gardens
Ev Charging point
DETA: 7.4kW 1P 32A Home Ev Charger Socket
The Properties Are Freehold
The Local Authority is North East Derbyshire
The EPC Rating Is B
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £864.93
Total Interest: £111,376.14
Overall Total: £311,376.14
Amortization For Monthly Payment: £864.93 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £6,341.12 | £4,038.09 | £195,961.91 |
| 2026 | £6,209.99 | £4,169.22 | £191,792.69 |
| 2027 | £6,074.60 | £4,304.61 | £187,488.08 |
| 2028 | £5,934.81 | £4,444.39 | £183,043.69 |
| 2029 | £5,790.49 | £4,588.72 | £178,454.97 |
| 2030 | £5,641.47 | £4,737.73 | £173,717.24 |
| 2031 | £5,487.62 | £4,891.58 | £168,825.66 |
| 2032 | £5,328.78 | £5,050.43 | £163,775.23 |
| 2033 | £5,164.77 | £5,214.43 | £158,560.79 |
| 2034 | £4,995.44 | £5,383.77 | £153,177.03 |
| 2035 | £4,820.61 | £5,558.60 | £147,618.43 |
| 2036 | £4,640.10 | £5,739.10 | £141,879.33 |
| 2037 | £4,453.73 | £5,925.47 | £135,953.86 |
| 2038 | £4,261.31 | £6,117.89 | £129,835.96 |
| 2039 | £4,062.64 | £6,316.56 | £123,519.40 |
| 2040 | £3,857.52 | £6,521.68 | £116,997.72 |
| 2041 | £3,645.74 | £6,733.47 | £110,264.25 |
| 2042 | £3,427.08 | £6,952.12 | £103,312.13 |
| 2043 | £3,201.32 | £7,177.88 | £96,134.24 |
| 2044 | £2,968.23 | £7,410.98 | £88,723.27 |
| 2045 | £2,727.57 | £7,651.64 | £81,071.63 |
| 2046 | £2,479.09 | £7,900.11 | £73,171.52 |
| 2047 | £2,222.55 | £8,156.66 | £65,014.86 |
| 2048 | £1,957.67 | £8,421.53 | £56,593.33 |
| 2049 | £1,684.20 | £8,695.01 | £47,898.32 |
| 2050 | £1,401.84 | £8,977.37 | £38,920.95 |
| 2051 | £1,110.31 | £9,268.89 | £29,652.06 |
| 2052 | £809.32 | £9,569.89 | £20,082.17 |
| 2053 | £498.55 | £9,880.66 | £10,201.52 |
| 2054 | £177.69 | £10,201.52 | £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.
91 High Street, Clay Cross
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Sun May 04 2025
All confirmed! We look forward to speaking with you.
Sun May 04 2025
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