25 Hookfield, Harlow, CM18 6QG
Estimate of £411k for this end terrace house. 204 sales in CM18 in the last 12 months; median £320k.
Value History
Rental Market
Market Metrics
Sales & Yield
3 metricsInvestment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£415,000
- SDLT standard£10,750
- SDLT BTL surcharge (5%)£20,750
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£448,600
Funding
- Deposit (25%)£103,750
- Mortgage (75% LTV)£311,250
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£137,350
Monthly Returns
- Monthly Rent (estimate)£2,250
- Mortgage Payment (IO)-£1,362
- Management (10%)-£225
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow+£563
Capital Returns
- 5yr Property Value£478,535
- 5yr Capital Gain (2.89% pa, historical)+£63,535
- 5yr Cumulative Rent (net)+£120,445
- Less mortgage interest-£81,720
- 5yr Total Return+£102,260
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 | £426,993 | £115,743 | +£6,756 | +£18,749 | 13.7% |
| Year 2 | £439,334 | £128,084 | +£13,992 | +£38,326 | 27.9% |
| Year 3 | £452,030 | £140,780 | +£21,731 | +£58,761 | 42.8% |
| Year 4 | £465,094 | £153,844 | +£29,971 | +£80,065 | 58.3% |
| Year 5 | £478,535 | £167,285 | +£38,725 | +£102,260 | 74.5% |
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. ROI is on cash required (£137,350).
Price Forecast
No forecast available.