86 Little Pynchons, Harlow, CM18 7DE

UPRN:100090535985Flat/Maisonette1 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band BEPC: D (66)

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

Valuation estimateUpdated today

£170,000

Estimated value

Range: £162k - £179k|Last sold: £155k (2021-12-17)

Estimate of £170k 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

£170k

£162k - £179k - High confidence

Annualised (CAGR)

+1.06%

Over the full window

Peak estimate

£178k

Apr 2023

From peak

-4.49%

Drawdown from peak

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

Growth by window

-0.58%

+2.41%

12m

-0.58%

24m

+0.00%

60m

+11.11%

Rental Market

Monthly

Estimated rent (pcm)

£1,250

/ month

Gross yield

8.82%

Rent ÷ asking price

Net yield

6.11%

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

£155k

2021-12-17

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£170,000
SDLT standard£900
SDLT BTL surcharge (5%)£8,500
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£181,500

Funding

Deposit (25%)£42,500
Mortgage (75% LTV)£127,500
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£54,000

Monthly Returns

Monthly Rent (estimate)£1,250
Mortgage Payment (IO)-£558
Management (10%)-£125
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£467

Capital Returns

5yr Property Value£196,026
5yr Capital Gain (2.89% pa, historical)+£26,026
5yr Cumulative Rent (net, before lease costs)+£64,249
Less mortgage interest-£33,480
5yr Total Return (before lease costs)+£56,795

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	£174,913	£47,413	+£5,604	+£10,517	19.5%
Year 2	£179,968	£52,468	+£11,472	+£21,440	39.7%
Year 3	£185,169	£57,669	+£17,622	+£32,791	60.7%
Year 4	£190,520	£63,020	+£24,048	+£44,569	82.5%
Year 5	£196,026	£68,526	+£30,769	+£56,795	105.2%

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 (£54,000).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,870

Population

Signal

7.7%

Households Deprived

Upside Opportunities

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