8 Gibson Court, Bishopsfield, Harlow, CM18 6FF

UPRN:200001486677Flat/Maisonette2 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band BEPC: C (77)

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

Valuation estimateUpdated yesterday

£164,000

Estimated value

Range: £156k - £173k|Last sold: £59k (2006-04-25)

Estimate of £164k for this flat/maisonette. 204 sales in CM18 in the last 12 months; median £320k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£164k

£156k - £173k - High confidence

Annualised (CAGR)

+1.74%

Over the full window

Peak estimate

£202k

Sep 2023

From peak

-18.81%

Drawdown from peak

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

Growth by window

-14.58%

-11.83%

12m

-17.17%

24m

-15.03%

60m

+9.33%

Rental Market

Monthly

Estimated rent (pcm)

£1,250

/ month

Gross yield

9.09%

Rent ÷ asking price

Net yield

6.30%

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

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

£59k

2006-04-25

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£165,000
SDLT standard£800
SDLT BTL surcharge (5%)£8,250
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£176,150

Funding

Deposit (25%)£41,250
Mortgage (75% LTV)£123,750
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£52,400

Monthly Returns

Monthly Rent (estimate)£1,250
Mortgage Payment (IO)-£541
Management (10%)-£125
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£484

Capital Returns

5yr Property Value£190,261
5yr Capital Gain (2.89% pa, historical)+£25,261
5yr Cumulative Rent (net, before lease costs)+£64,249
Less mortgage interest-£32,460
5yr Total Return (before lease costs)+£57,050

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	£169,768	£46,018	+£5,808	+£10,576	20.2%
Year 2	£174,675	£50,925	+£11,880	+£21,555	41.1%
Year 3	£179,723	£55,973	+£18,234	+£32,957	62.9%
Year 4	£184,917	£61,167	+£24,864	+£44,781	85.5%
Year 5	£190,261	£66,511	+£31,789	+£57,050	108.9%

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 (£52,400).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,509

Population

Signal

8.2%

Households Deprived

Upside Opportunities

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