37 Aylets Field, Harlow, CM18 7LW

UPRN:10003707431Purpose Built Flat2 bedsBuilt 1991-1995

LeaseholdCouncil Tax: -EPC: C (74)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 5mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

Valuation estimateUpdated today

£203,000

Estimated value

Range: £193k - £213k|Last sold: £195k (2022-02-18)

Estimate of £203k 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

£203k

£193k - £213k - High confidence

Annualised (CAGR)

-0.46%

Over the full window

Peak estimate

£219k

Apr 2023

From peak

-7.31%

Drawdown from peak

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

Growth by window

+1.00%

-0.49%

12m

-5.58%

24m

-3.79%

60m

+3.57%

Rental Market

Monthly

Estimated rent (pcm)

£1,500

/ month

Gross yield

9.00%

Rent ÷ asking price

Net yield

6.24%

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

-2.0%

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

£195k

2022-02-18

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£200,000
SDLT standard£1,500
SDLT BTL surcharge (5%)£10,000
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£213,600

Funding

Deposit (25%)£50,000
Mortgage (75% LTV)£150,000
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£63,600

Monthly Returns

Monthly Rent (estimate)£1,500
Mortgage Payment (IO)-£656
Management (10%)-£150
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£594

Capital Returns

5yr Property Value£230,619
5yr Capital Gain (2.89% pa, historical)+£30,619
5yr Cumulative Rent (net, before lease costs)+£78,313
Less mortgage interest-£39,360
5yr Total Return (before lease costs)+£69,572

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	£205,780	£55,780	+£7,128	+£12,908	20.3%
Year 2	£211,727	£61,727	+£14,580	+£26,307	41.4%
Year 3	£217,846	£67,846	+£22,363	+£40,209	63.2%
Year 4	£224,142	£74,142	+£30,485	+£54,627	85.9%
Year 5	£230,619	£80,619	+£38,953	+£69,572	109.4%

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 (£63,600).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,650

Population

Signal

5.3%

Households Deprived

Upside Opportunities

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