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£1,450,000 Guide Price
Bedrooms
Bathrooms
This bespoke 5 bedroom detached house was built in 2004 by Windsor Homes with our vendor being the first owner. The property is a commuters dream being only 5 minutes walk via a footbath to Upper Warlingham station with lines directly to London Victoria and London Bridge within 30 minutes. Nestled behind electric gates the house is immaculately presented throughout. Once you step inside the quality of the finish is apparent from the spacious hallway which leads through to three reception rooms, cloakroom and a fabulous, designer kitchen which opens to a light and airy conservatory overlooking the stunning, large, level, south westerly facing garden which is approximately 1/3 of an acre. It is mainly laid to lawn with matured trees but also features a glass house with additional seating area and far reaching views. The first floor provides five double bedrooms two of which have en-suite facilities, as well as the family bathroom all of which have been refurbished in recent years. There is a large, pitched roofdouble garage as well as plenty of additional parking on the private driveway.Adding to the appeal of this lovely family home are the amenities on offer in the local and surrounding area including bus services linking Caterham, Warlingham, Purley and Croydon where you will find a good range of shops, excellent schools including Warlingham and Riddlesdown Collegiate and desirable private schools at Caterham and Lingfield. The M25 can be located at Godstone and provides access to both Gatwick Airport and the south Coast.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £6,270.77
Total Interest: £807,477.04
Overall Total: £2,257,477.04
Amortization For Monthly Payment: £6,270.77 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £45,973.09 | £29,276.14 | £1,420,723.86 |
| 2026 | £45,022.39 | £30,226.84 | £1,390,497.02 |
| 2027 | £44,040.82 | £31,208.41 | £1,359,288.61 |
| 2028 | £43,027.37 | £32,221.86 | £1,327,066.75 |
| 2029 | £41,981.02 | £33,268.22 | £1,293,798.53 |
| 2030 | £40,900.68 | £34,348.55 | £1,259,449.98 |
| 2031 | £39,785.26 | £35,463.97 | £1,223,986.00 |
| 2032 | £38,633.62 | £36,615.61 | £1,187,370.39 |
| 2033 | £37,444.58 | £37,804.65 | £1,149,565.74 |
| 2034 | £36,216.93 | £39,032.30 | £1,110,533.44 |
| 2035 | £34,949.42 | £40,299.82 | £1,070,233.62 |
| 2036 | £33,640.74 | £41,608.50 | £1,028,625.13 |
| 2037 | £32,289.56 | £42,959.67 | £985,665.46 |
| 2038 | £30,894.51 | £44,354.72 | £941,310.73 |
| 2039 | £29,454.16 | £45,795.08 | £895,515.66 |
| 2040 | £27,967.03 | £47,282.20 | £848,233.45 |
| 2041 | £26,431.61 | £48,817.62 | £799,415.83 |
| 2042 | £24,846.33 | £50,402.91 | £749,012.92 |
| 2043 | £23,209.57 | £52,039.67 | £696,973.26 |
| 2044 | £21,519.66 | £53,729.58 | £643,243.68 |
| 2045 | £19,774.87 | £55,474.37 | £587,769.31 |
| 2046 | £17,973.42 | £57,275.81 | £530,493.50 |
| 2047 | £16,113.47 | £59,135.76 | £471,357.74 |
| 2048 | £14,193.12 | £61,056.11 | £410,301.63 |
| 2049 | £12,210.42 | £63,038.82 | £347,262.81 |
| 2050 | £10,163.32 | £65,085.91 | £282,176.90 |
| 2051 | £8,049.76 | £67,199.48 | £214,977.42 |
| 2052 | £5,867.55 | £69,381.68 | £145,595.74 |
| 2053 | £3,614.48 | £71,634.75 | £73,960.99 |
| 2054 | £1,288.25 | £73,960.99 | £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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Sun May 25 2025
All confirmed! We look forward to speaking with you.
Sun May 25 2025
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