Flat 13, 40–44 Rothesay Road, Luton, LU1 1QZ

UPRN:10090735126Flat/Maisonette2 bedsBuilt 1983-1990

Tenure: -Council Tax: Band AEPC: C (69)

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

Valuation estimateUpdated 2 days ago

£146,000

Estimated value

Range: £131k - £161k|Last sold: -- (-)

Estimate of £146k for this flat/maisonette. 336 sales in LU1 in the last 12 months; median £272k.

Estimate confidence

Medium confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£146k

£131k - £161k - Medium confidence

Annualised (CAGR)

-10.02%

Over the full window

Peak estimate

£355k

Feb 2022

From peak

-58.87%

Drawdown from peak

AVM estimate (model)Repeat-sales index - LU1 district (quarterly)index YoY -4.08%

Growth by window

-0.68%

12m

-5.19%

24m

-50.00%

60m

-56.80%

Rental Market

Monthly

Estimated rent (pcm)

£850

/ month

Gross yield

6.99%

Rent ÷ estimated value

Net yield

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£272k

LU1 sales, last 12 months

12m Price Growth

LU1 median, Land Registry

Days on Market

56d

LU1 average

Sales & Yield

3 metrics

Transactions / 12m

336

LU1 sales

Area Gross Yield

5.38%

LU1 medians

Last Sold

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Estimated Value£146,000
SDLT standard£420
SDLT BTL surcharge (5%)£7,300
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£155,820

Funding

Deposit (25%)£36,500
Mortgage (75% LTV)£109,500
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£46,320

Monthly Returns

Monthly Rent (estimate)£850
Mortgage Payment (IO)-£479
Management (10%)-£85
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£186

Capital Returns

5yr Property Value£144,256
5yr Capital Gain (-0.24% pa, historical)-£1,744
5yr Cumulative Rent (net, before lease costs)+£41,777
Less mortgage interest-£28,740
5yr Total Return (before lease costs)+£11,294

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	£145,650	£36,150	+£2,232	+£1,882	4.1%
Year 2	£145,300	£35,800	+£4,644	+£3,944	8.5%
Year 3	£144,951	£35,451	+£7,252	+£6,203	13.4%
Year 4	£144,603	£35,103	+£10,048	+£8,652	18.7%
Year 5	£144,256	£34,756	+£13,037	+£11,294	24.4%

Modelled on the estimated value: the property is not on the market. Capital growth -0.24% a year is the LU1 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 (£46,320).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,177

Population

Signal

7.6%

Households Deprived

Upside Opportunities

0 levers