38 Broomfield, Harlow, CM20 2JZ

UPRN:100090525866Flat/Maisonette2 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band BEPC: C (72)

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

Valuation estimateUpdated yesterday

£221,000

Estimated value

Range: £210k - £232k|Last sold: £70k (1999-12-15)

Estimate of £221k for this flat/maisonette. 189 sales in CM20 in the last 12 months; median £325k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£221k

£210k - £232k - High confidence

Annualised (CAGR)

-0.83%

Over the full window

Peak estimate

£265k

Nov 2023

From peak

-16.60%

Drawdown from peak

AVM estimate (model)Repeat-sales index - CM20 district (quarterly)index YoY +1.16%

Growth by window

-3.91%

-9.05%

12m

-8.68%

24m

-14.01%

60m

-9.43%

Rental Market

Monthly

Estimated rent (pcm)

£1,400

/ month

Gross yield

7.81%

Rent ÷ asking price

Net yield

5.41%

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

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£325k

CM20 sales, last 12 months

12m Price Growth

CM20 median, Land Registry

Days on Market

95d

CM20 average

Sales & Yield

3 metrics

Transactions / 12m

189

CM20 sales

Area Gross Yield

8.40%

CM20 medians

Last Sold

£70k

1999-12-15

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£215,000
SDLT standard£1,800
SDLT BTL surcharge (5%)£10,750
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£229,650

Funding

Deposit (25%)£53,750
Mortgage (75% LTV)£161,250
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£68,400

Monthly Returns

Monthly Rent (estimate)£1,400
Mortgage Payment (IO)-£705
Management (10%)-£140
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£455

Capital Returns

5yr Property Value£255,723
5yr Capital Gain (3.53% pa, historical)+£40,723
5yr Cumulative Rent (net, before lease costs)+£72,668
Less mortgage interest-£42,300
5yr Total Return (before lease costs)+£71,091

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	£222,589	£61,339	+£5,460	+£13,049	19.1%
Year 2	£230,447	£69,197	+£11,220	+£26,667	39.0%
Year 3	£238,582	£77,332	+£17,287	+£40,868	59.7%
Year 4	£247,004	£85,754	+£23,667	+£55,671	81.4%
Year 5	£255,723	£94,473	+£30,368	+£71,091	103.9%

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. Service charge and ground rent are not stated, so cashflow and returns are before lease costs. ROI is on cash required (£68,400).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,957

Population

Signal

8.8%

Households Deprived

Upside Opportunities

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