159 Felmongers, Harlow, CM20 3DN
Estimate of £414k for this semi-detached property. 189 sales in CM20 in the last 12 months; median £325k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£450,000
- SDLT standard£12,500
- SDLT BTL surcharge (5%)£22,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£487,100
Funding
- Deposit (25%)£112,500
- Mortgage (75% LTV)£337,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£149,600
Monthly Returns
- Monthly Rent (estimate)£2,100
- Mortgage Payment (IO)-£1,477
- Management (10%)-£210
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£313
Capital Returns
- 5yr Property Value£535,234
- 5yr Capital Gain (3.53% pa, historical)+£85,234
- 5yr Cumulative Rent (net)+£112,038
- Less mortgage interest-£88,620
- 5yr Total Return+£108,652
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.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £465,885 | £128,385 | +£3,756 | +£19,641 | 13.1% |
| Year 2 | £482,331 | £144,831 | +£7,968 | +£40,299 | 26.9% |
| Year 3 | £499,357 | £161,857 | +£12,646 | +£62,003 | 41.4% |
| Year 4 | £516,984 | £179,484 | +£17,789 | +£84,773 | 56.7% |
| Year 5 | £535,234 | £197,734 | +£23,418 | +£108,652 | 72.6% |
Modelled on the live asking price. Capital growth 3.53% a year is the CM20 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. ROI is on cash required (£149,600).
Price Forecast
No forecast available.