15 Five Acres, Harlow, CM18 6UX

UPRN:100090530479Purpose Built Flat1 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band BEPC: D (68)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 2mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

Valuation estimateUpdated today

£159,000

Estimated value

Range: £151k - £167k|Last sold: £100k (2005-10-11)

Estimate of £159k for this purpose built flat. 204 sales in CM18 in the last 12 months; median £320k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£159k

£151k - £167k - High confidence

Annualised (CAGR)

-0.49%

Over the full window

Peak estimate

£180k

Dec 2022

From peak

-11.67%

Drawdown from peak

AVM estimate (model)Repeat-sales index - CM18 district (quarterly)index YoY +1.94%

Growth by window

-1.85%

-2.45%

12m

-6.47%

24m

-5.36%

60m

-4.79%

Rental Market

Monthly

Estimated rent (pcm)

£1,200

/ month

Gross yield

9.00%

Rent ÷ asking price

Net yield

6.23%

Assumes ~31% running costs (not this property's)

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£320k

CM18 sales, last 12 months

12m Price Growth

CM18 median, Land Registry

Days on Market

87d

CM18 average

Sales & Yield

3 metrics

Transactions / 12m

204

CM18 sales

Area Gross Yield

5.54%

CM18 medians

Last Sold

£100k

2005-10-11

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£160,000
SDLT standard£700
SDLT BTL surcharge (5%)£8,000
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£170,800

Funding

Deposit (25%)£40,000
Mortgage (75% LTV)£120,000
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£50,800

Monthly Returns

Monthly Rent (estimate)£1,200
Mortgage Payment (IO)-£525
Management (10%)-£120
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£455

Capital Returns

5yr Property Value£184,496
5yr Capital Gain (2.89% pa, historical)+£24,496
5yr Cumulative Rent (net, before lease costs)+£61,450
Less mortgage interest-£31,500
5yr Total Return (before lease costs)+£54,446

Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs.

5-Year Projection

BTL · Interest Only

Year	Property Value	Equity	Cashflow (cumulative)	Total Return	ROI
Year 1	£164,624	£44,624	+£5,460	+£10,084	19.9%
Year 2	£169,382	£49,382	+£11,184	+£20,566	40.5%
Year 3	£174,277	£54,277	+£17,166	+£31,443	61.9%
Year 4	£179,313	£59,313	+£23,423	+£42,737	84.1%
Year 5	£184,496	£64,496	+£29,950	+£54,446	107.2%

Modelled on the live asking price. Capital growth 2.89% a year is the CM18 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£50,800).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,509

Population

Signal

8.2%

Households Deprived

Upside Opportunities

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