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£1,225,000
Bedrooms
Bathrooms
This is a rare chance to acquire a five-bedroom detached family home, located in a quiet cul-de-sac off a private road, and offered with no onward chain. Positioned in the highly desirable 'Golden Triangle' of Warlingham, this property offers fantastic potential for expansion. The ground floor provides a spacious layout including a study, dining room, large double living room, and a fitted kitchen with an adjacent utility room. A conservatory has been added. Stairs from the entrance hall lead to the first floor, where you will find five generously sized bedrooms, with the two master bedrooms featuring en-suite bathrooms. The rear garden is large, mostly laid to lawn, and bordered by mature shrubs and hedges. The view overlooks a paddock with horses and a dramatic vista across Woldingham Valley. At the front, the house is bordered with plants and shrubs, and there is a double garage with driveway surrounded on three sides by lawn. Overhill is a highly sought-after, no-through road within walking distance of Warlingham village center, with its range of shops, restaurants, and amenities. Bus services on Limpsfield Road offer routes to local areas, including Sanderstead and Croydon. Upper Warlingham and Whyteleafe train stations (both Zone 6) provide excellent commuter connections. The surrounding area is rich in recreational and sports facilities, including top-rated golf courses. Viewing is highly recommended to fully appreciate the potential of this fantastic family home.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £5,297.72
Total Interest: £682,178.88
Overall Total: £1,907,178.88
Amortization For Monthly Payment: £5,297.72 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £38,839.34 | £24,733.29 | £1,200,266.71 |
| 2026 | £38,036.16 | £25,536.47 | £1,174,730.24 |
| 2027 | £37,206.90 | £26,365.73 | £1,148,364.51 |
| 2028 | £36,350.71 | £27,221.92 | £1,121,142.60 |
| 2029 | £35,466.72 | £28,105.91 | £1,093,036.69 |
| 2030 | £34,554.02 | £29,018.61 | £1,064,018.08 |
| 2031 | £33,611.69 | £29,960.94 | £1,034,057.14 |
| 2032 | £32,638.75 | £30,933.88 | £1,003,123.26 |
| 2033 | £31,634.22 | £31,938.41 | £971,184.85 |
| 2034 | £30,597.06 | £32,975.56 | £938,209.29 |
| 2035 | £29,526.23 | £34,046.40 | £904,162.89 |
| 2036 | £28,420.62 | £35,152.00 | £869,010.88 |
| 2037 | £27,279.11 | £36,293.51 | £832,717.37 |
| 2038 | £26,100.54 | £37,472.09 | £795,245.28 |
| 2039 | £24,883.69 | £38,688.94 | £756,556.33 |
| 2040 | £23,627.32 | £39,945.31 | £716,611.02 |
| 2041 | £22,330.15 | £41,242.48 | £675,368.54 |
| 2042 | £20,990.86 | £42,581.76 | £632,786.78 |
| 2043 | £19,608.08 | £43,964.55 | £588,822.23 |
| 2044 | £18,180.40 | £45,392.23 | £543,430.01 |
| 2045 | £16,706.35 | £46,866.27 | £496,563.73 |
| 2046 | £15,184.44 | £48,388.19 | £448,175.54 |
| 2047 | £13,613.11 | £49,959.52 | £398,216.02 |
| 2048 | £11,990.74 | £51,581.89 | £346,634.13 |
| 2049 | £10,315.70 | £53,256.93 | £293,377.20 |
| 2050 | £8,586.26 | £54,986.37 | £238,390.83 |
| 2051 | £6,800.66 | £56,771.97 | £181,618.86 |
| 2052 | £4,957.07 | £58,615.56 | £123,003.29 |
| 2053 | £3,053.61 | £60,519.01 | £62,484.28 |
| 2054 | £1,088.35 | £62,484.28 | £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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Tue Jun 10 2025
All confirmed! We look forward to speaking with you.
Tue Jun 10 2025
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