1/20

3 bed house for sale Finlay Gardens, Hornchurch, RM12

Asking price

£549,995

Reduced on 20/10/2026

Type: Detached
Bedrooms: 3
Bathrooms: 2
Size: £552 per sq ft
Tenure: Freehold

EPC B 91 potential A

About this property

This beautifully presented three-bedroom, two-bathroom detached home offers spacious and modern living in a highly sought-after and private residential location.

Designed with comfort and style in mind, the property boasts generous accommodation throughout, making it an ideal choice for families and professionals alike.

Floorplan

Energy performance

B 91

Current

Potential

92+

93 A

81-91

91 B

69-80

55-68

39-54

21-38

1-20

This home is rated band B, scoring 91 out of 100. The average British home is band D. Its certificate says it could reach band A (93) if the improvements it recommends were carried out.

Read from the certificate published with this listing, so it may not be the latest one. Check the government EPC register for the full certificate and its recommendations.

Council tax

Ask agent

Per year

Band A

£1,616
Band B

£1,886
Band C

£2,155
Band D

£2,425
Band E

£2,963
Band F

£3,502
Band G

£4,041
Band H

£4,849

The agent hasn't said which band this home is in; you can look it up on GOV.UK. In Havering, 2026/27 bills run from £1,616 a year in band A to £4,849 in band H.

Figures from MHCLG (Open Government Licence v3): the average bill for each band across Havering, including the typical parish precept, so a parish's own bill can differ a little. Discounts lower the bill, such as 25% off for an adult living alone.

Property timeline

Reduced

October 2026 £549,995

Was £560,000
Reduced

September 2026 £560,000

Was £575,000
Listed

August 2026 £575,000

3 beds · 2 baths · this listing

Past sales can't be shown: the agent hasn't given the house number.

Price guide

100 comparables · within 1.5 miles

Priced above 58% of the 3-bed houses for sale nearby right now.

This home, £549,995 Median £520,000 · £425,000 – £652,500

Per square foot

£552 17% over

3-bed houses nearby £472

Against sold prices

12% over

RM12 sold median £491 / sq ft, 960 sales

Compared with 100 3-bed houses for sale within 1.5 miles, on the market now or already under offer. The range is the middle 80% of their asking prices. Sold prices are HM Land Registry sales in RM12 over the last 24 months, per square foot of EPC floor area. All sold £/sq ft in RM12 →

Location

Finlay Gardens, Hornchurch, RM12

Open map Street View

Mortgage and stamp duty

Property price £549,995

£274k £825k

Deposit10% £55,000

£0 £550k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £494,995 mortgage. Most lenders would want a household income of about £110,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Properties sold nearby

HM Land Registry sales nearby. Floor areas from Energy Performance Certificates where matched.

Address	Type	Sold	Size	Size	£/sq ft	Price
3, Finlay Gardens Detached · new build	Detached · new build	Jun 2022	1,012 sq ft £578/sq ft	1,012 sq ft	£578	£584,495
2, Finlay Gardens Detached · new build	Detached · new build	May 2022	1,335 sq ft £510/sq ft	1,335 sq ft	£510	£680,495
1, Finlay Gardens Detached · new build	Detached · new build	May 2022	1,335 sq ft £510/sq ft	1,335 sq ft	£510	£680,495
6, Finlay Gardens Detached · new build	Detached · new build	Apr 2022	1,012 sq ft £578/sq ft	1,012 sq ft	£578	£584,495
5, Finlay Gardens Detached · new build	Detached · new build	Apr 2022	1,012 sq ft £578/sq ft	1,012 sq ft	£578	£584,495
4, Finlay Gardens Detached · new build	Detached · new build	Apr 2022	1,012 sq ft £578/sq ft	1,012 sq ft	£578	£584,495
9, Finlay Gardens Detached · new build	Detached · new build	Apr 2022	1,012 sq ft £573/sq ft	1,012 sq ft	£573	£579,495
7, Finlay Gardens Detached · new build	Detached · new build	Mar 2022	1,012 sq ft £578/sq ft	1,012 sq ft	£578	£584,495