Flat 5, 25 Westbourne Gardens, Folkestone, CT20 2HY

UPRN:50108233Flat/Maisonette2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: C (74)

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

Valuation estimateUpdated today

£185,000

Estimated value

Range: £176k - £195k|Last sold: £95k (2013-12-05)

Estimate of £185k for this flat/maisonette. 326 sales in CT20 in the last 12 months; median £277k.

Estimate confidence

High confidence

Value History

Monthly AVM sale-value estimate

Current estimate

£185k

£176k - £195k - High confidence

Annualised (CAGR)

+1.73%

Over the full window

Peak estimate

£218k

Jan 2023

From peak

-15.14%

Drawdown from peak

AVM estimate (model)Repeat-sales index - CT20 district (quarterly)index YoY -2.73%

Growth by window

+3.35%

-8.42%

12m

-11.90%

24m

-10.63%

60m

+2.78%

Rental Market

Monthly

Estimated rent (pcm)

£1,000

/ month

Gross yield

8.00%

Rent ÷ asking price

Net yield

5.53%

Assumes ~31% running costs (not this property's)

Vacancy trend

12-month change

Market Metrics

6 live signals

Median Area Price

£277k

CT20 sales, last 12 months

12m Price Growth

CT20 median, Land Registry

Days on Market

68d

CT20 average

Sales & Yield

3 metrics

Transactions / 12m

326

CT20 sales

Area Gross Yield

5.43%

CT20 medians

Last Sold

£95k

2013-12-05

Investment Analysis

Buy-to-let cashflow + capital returns

25% deposit · IO

Purchase

Asking Price£150,000
SDLT standard£500
SDLT BTL surcharge (5%)£7,500
Legal, survey + broker (assumed)£2,100
RefurbishmentNot costed
Total Cost (excl. refurb)£160,100

Funding

Deposit (25%)£37,500
Mortgage (75% LTV)£112,500
Interest Rate (assumed)5.25%
Mortgage TypeInterest Only
Cash Required£47,600

Monthly Returns

Monthly Rent (estimate)£1,000
Mortgage Payment (IO)-£492
Management (10%)-£100
Insurance (assumed)-£40
Maintenance (assumed)-£60
Monthly Cashflow, before lease costs (not stated)+£308

Capital Returns

5yr Property Value£167,570
5yr Capital Gain (2.24% pa, historical)+£17,570
5yr Cumulative Rent (net, before lease costs)+£50,208
Less mortgage interest-£29,520
5yr Total Return (before lease costs)+£38,258

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	£153,360	£40,860	+£3,696	+£7,056	14.8%
Year 2	£156,795	£44,295	+£7,608	+£14,403	30.3%
Year 3	£160,307	£47,807	+£11,741	+£22,048	46.3%
Year 4	£163,898	£51,398	+£16,099	+£29,998	63.0%
Year 5	£167,570	£55,070	+£20,688	+£38,258	80.4%

Modelled on the live asking price. Capital growth 2.24% a year is the CT20 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 (£47,600).

Price Forecast

No forecast available.

Demand & Supply

Median earnings (local authority)

Signal

1,521

Population

Signal

3.7%

Households Deprived

Upside Opportunities

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