76 Mill Court, Edinburgh Gate, Harlow, CM20 2JG

UPRN:10023417970Purpose Built Flat1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band CEPC: C (73)

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

Valuation estimateUpdated yesterday

£200,000

Estimated value

Range: £190k - £210k|Last sold: £190k (2020-12-18)

Estimate of £200k for this purpose built flat. 189 sales in CM20 in the last 12 months; median £325k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£200k

£190k - £210k - High confidence

Annualised (CAGR)

-0.77%

Over the full window

Peak estimate

£222k

Oct 2022

From peak

-9.91%

Drawdown from peak

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

Growth by window

-4.76%

-6.54%

12m

-1.48%

24m

-5.66%

60m

-2.91%

Rental Market

Monthly

Estimated rent (pcm)

£1,250

/ month

Gross yield

7.50%

Rent ÷ asking price

Net yield

5.19%

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

£190k

2020-12-18

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)£1,250
Mortgage Payment (IO)-£656
Management (10%)-£125
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£369

Capital Returns

5yr Property Value£237,882
5yr Capital Gain (3.53% pa, historical)+£37,882
5yr Cumulative Rent (net, before lease costs)+£64,249
Less mortgage interest-£39,360
5yr Total Return (before lease costs)+£62,770

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	£207,060	£57,060	+£4,428	+£11,488	18.1%
Year 2	£214,369	£64,369	+£9,120	+£23,489	36.9%
Year 3	£221,936	£71,936	+£14,094	+£36,030	56.7%
Year 4	£229,771	£79,771	+£19,344	+£49,115	77.2%
Year 5	£237,882	£87,882	+£24,889	+£62,770	98.7%

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 (£63,600).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,800

Population

Signal

2.8%

Households Deprived

Upside Opportunities

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