Apartment 31, 4 Hick Street, Bradford, BD1 5AW

UPRN:10070055660Flat/MaisonetteBeds -Built 1900-1929

LeaseholdCouncil Tax: Band BEPC: C (71)

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

Valuation estimateUpdated 2 days ago

£70,000

Estimated value

Range: £56k - £84k|Last sold: £58k (2017-03-10)

Estimate of £70k for this flat/maisonette. 79 sales in BD1 in the last 12 months; median £100k.

Estimate confidence

Low confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£70k

£56k - £84k - Low confidence

Annualised (CAGR)

-4.55%

Over the full window

Peak estimate

£102k

Dec 2022

From peak

-31.37%

Drawdown from peak

AVM estimate (model)Repeat-sales index - BD area (monthly)index YoY +3.89%

Growth by window

-10.26%

-7.89%

12m

-16.67%

24m

-25.53%

60m

-24.73%

Rental Market

Monthly

Estimated rent (pcm)

£400

/ month

Gross yield

6.86%

Rent ÷ estimated value

Net yield

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£100k

BD1 sales, last 12 months

12m Price Growth

+14.8%

BD1 median, Land Registry

Days on Market

119d

BD1 average

Sales & Yield

3 metrics

Transactions / 12m

BD1 sales

Area Gross Yield

12.00%

BD1 medians

Last Sold

£58k

2017-03-10

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Estimated Value£70,000
SDLT standard£0
SDLT BTL surcharge (5%)£3,500
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£75,600

Funding

Deposit (25%)£17,500
Mortgage (75% LTV)£52,500
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£23,100

Monthly Returns

Monthly Rent (estimate)£400
Mortgage Payment (IO)-£230
Management (10%)-£40
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£30

Capital Returns

5yr Property Value£116,684
5yr Capital Gain (10.76% pa, historical)+£46,684
5yr Cumulative Rent (net, before lease costs)+£16,483
Less mortgage interest-£13,800
5yr Total Return (before lease costs)+£49,368

Modelled on the estimated value: the property is not on the market. 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	£77,532	£25,032	+£360	+£7,892	34.2%
Year 2	£85,874	£33,374	+£804	+£16,678	72.2%
Year 3	£95,115	£42,615	+£1,334	+£26,448	114.5%
Year 4	£105,349	£52,849	+£1,964	+£37,313	161.5%
Year 5	£116,684	£64,184	+£2,683	+£49,368	213.7%

Modelled on the estimated value: the property is not on the market. Capital growth 10.76% a year is the BD1 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 (£23,100).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,114

Population

Signal

7.4%

Households Deprived

Upside Opportunities

0 levers