Sold STC Flat

FLAT 1

LITTLEDENE, 30, VICTORIA ROAD, SANDOWN, ISLE OF WIGHT PO36 8AL

2 beds 1 baths 872 sq ft Listed 9 Aug 2025 (-347d)

£180,000

Reduced on 23 Aug 2025

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# 2 bedroom flat for sale (PO36 8AL)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 1, LITTLEDENE, 30, VICTORIA ROAD, SANDOWN, ISLE OF WIGHT PO36 8AL |
| Price | £180,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | B |
| Construction age | England and Wales: before 1900 |
| Floor area | 81 m² |
| Last sold | £171,000 Feb 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 04/06/2028
- **Current heating cost:** £723/year

### Recommendations
- Q (14,000)
- W1 (1,200)
- D (120)
- E (40)
- O (6,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0377-2845-6065-9608-2315)

## Description

The maisonette is situated in a convenient location, providing easy access to local amenities, including shops, cafes, and recreational areas. Sandown is renowned for its beautiful beaches and scenic coastal walks, offering a perfect blend of relaxation and outdoor activities.

Inside, the property features a warm and welcoming atmosphere, with ample natural light flowing through the living spaces and many original features. The layout has been designed to maximise comfort and functionality, and the private garden and potential off road parking (subject to planning permission) adds to the appeal of this charming home.

This maisonette is not just a home; it is a lifestyle choice, allowing you to immerse yourself in the vibrant community of Sandown while enjoying the tranquillity of your own space. Whether you are looking for a holiday retreat or your next home, this is a property that should not be overlooked.

**Entrance Hall** -

**Lounge** - 5.18m into bay x 4.70m (17' into bay x 15'5) -

**Kitchen** - 3.35m x 2.11m (11' x 6'11) -

**Bedroom 1** - 4.85m x 3.94m (15'11 x 12'11) -

**Bedroom 2** - 3.33m x 1.96m (10'11 x 6'5) -

**Bathroom** - 3.73m x 1.55m (12'3 x 5'1) -

**Sun Room** - 3.40m x 1.80m (11'2 x 5'11) -

**Outside** - To the front of the property there is space for off road parking to be created, subject to the relevant planning permission. The established rear garden is mainly laid to lawn and features a variety of mature plants, shrubs and a garden shed.

**Services** - Unconfirmed: gas, electric, telephone, mains water and drainage.

**Council Tax** - Band B - Please contact The Isle of Wight Council.

**Agents Notes** - Our particulars are designed to give a fair description of the property, but if there is any point of special importance to you we will be pleased to check the information for you. None of the appliances or services have been tested, should you require to have tests carried out, we will be happy to arrange this for you. Nothing in these particulars is intended to indicate that any carpets or curtains, furnishings or fittings, electrical goods (whether wired in or not), gas fires or light fitments, or any other fixtures not expressly included, are part of the property offered for sale.

## Property Photos

- ![resizedMain.png](/listings/photos/165565202/1231279) - resizedMain.png
- ![resizedLounge1.png](/listings/photos/165565202/1231280) - resizedLounge1.png
- ![GardenNEW.png](/listings/photos/165565202/1231281) - GardenNEW.png
- ![resizedBed1a.png](/listings/photos/165565202/1231282) - resizedBed1a.png
- ![resizedKitchen2.png](/listings/photos/165565202/1231283) - resizedKitchen2.png
- ![resizedBathroom2.png](/listings/photos/165565202/1231284) - resizedBathroom2.png
- ![resizedSunRoom2.png](/listings/photos/165565202/1231285) - resizedSunRoom2.png
- ![resizedBathroom1.png](/listings/photos/165565202/1231286) - resizedBathroom1.png
- ![resizedBed1b.png](/listings/photos/165565202/1231287) - resizedBed1b.png
- ![resizedBed1c.png](/listings/photos/165565202/1231288) - resizedBed1c.png
- ![resizedBed2.png](/listings/photos/165565202/1231289) - resizedBed2.png
- ![resizedEntHall.png](/listings/photos/165565202/1231290) - resizedEntHall.png
- ![resizedKitchen1.png](/listings/photos/165565202/1231291) - resizedKitchen1.png
- ![resizedLounge2.png](/listings/photos/165565202/1231292) - resizedLounge2.png

## Floorplans

- ![Flat 1, 30 Victoria Road, Sandown.jpg](/listings/photos/165565202/1231293) - Flat 1, 30 Victoria Road, Sandown.jpg

## EPC Graphs

- ![EE Rating](/listings/photos/165565202/1231294) - EE Rating

## FENSA Certificates

This property has 3 FENSA certificate(s) on record.

### FENSA Certificate #10692987
- **Address:** 40 Victoria Road, SANDOWN, PO36 8AL
- **Certificate Issued:** 08/12/2014
- **Work Completed:** 03/11/2014
- **Items:** 2 window(s)

### FENSA Certificate #14216327
- **Address:** 40 Victoria Road, SANDOWN, PO36 8AL
- **Certificate Issued:** 27/09/2020
- **Work Completed:** 17/09/2020
- **Items:** 4 window(s)

### FENSA Certificate #16477956
- **Address:** 40 Victoria Road, SANDOWN, PO36 8AL
- **Certificate Issued:** 22/09/2024
- **Work Completed:** 13/09/2024
- **Items:** 2 window(s), 1 door(s)

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| LITTLEDENE, 30 FLAT 1 VICTORIA ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AL | £171,000 | 18/02/2026 | Flat |
| LITTLEDENE, 30 FLAT 1 VICTORIA ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AL | £87,000 | 29/06/2015 | Flat |
| LITTLEDENE, 30 FLAT 1 VICTORIA ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AL | £64,000 | 20/10/2000 | Flat |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| KINGS COURT, 49 FLAT 4 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HQ | £170,000 | 21/10/2025 | Flat |
| SANDHAM HALL, 20 FLAT 4 VICTORIA ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AL | £120,000 | 11/04/2025 | Flat |
| 4 FLAT 6 ALBION ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AG | £150,000 | 01/12/2023 | Flat |
| NAPOLI COURT FLAT 1 QUEENS ROAD, SANDOWN, ISLE OF WIGHT, PO36 8DT | £150,000 | 17/10/2023 | Flat |
| 38 CARTER STREET, SANDOWN, ISLE OF WIGHT, PO36 8DQ | £190,000 | 02/05/2023 | Flat |
| LAVINIA COURT, 37 FLAT 9 CARTER STREET, SANDOWN, ISLE OF WIGHT, PO36 8DQ | £175,000 | 31/03/2023 | Flat |
| 50 FLAT 3 HIGH STREET, SANDOWN, ISLE OF WIGHT, PO36 8AE | £185,000 | 06/12/2022 | Flat |
| 55 FLAT 4 GROVE ROAD, SANDOWN, ISLE OF WIGHT, PO36 8HH | £177,000 | 11/11/2022 | Flat |
| 17 FLAT 5 AVENUE ROAD, SANDOWN, ISLE OF WIGHT, PO36 8BN | £108,000 | 05/08/2022 | Flat |
| HAWKSWORTH HOUSE, 73 FLAT 2 ST JOHNS ROAD, SANDOWN, ISLE OF WIGHT, PO36 8HE | £95,000 | 23/05/2022 | Flat |
| WINCHESTER PARK COURT, 60 FLAT 12 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HR | £155,000 | 22/04/2022 | Flat |
| WINCHESTER PARK COURT, 60 FLAT 7 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HR | £122,000 | 25/02/2022 | Flat |
| 20 FLAT 4 CARTER STREET, SANDOWN, ISLE OF WIGHT, PO36 8BP | £77,950 | 08/02/2022 | Flat |
| 88A STATION AVENUE, SANDOWN, ISLE OF WIGHT, PO36 8HB | £115,000 | 18/10/2021 | Flat |
| ASHBORNE COURT, 3 FLAT 4 ALBERT ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AN | £152,500 | 14/10/2021 | Flat |
| KINGS COURT, 49 FLAT 8 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HQ | £180,000 | 08/10/2021 | Flat |
| 30 FLAT 2 GROVE ROAD, SANDOWN, ISLE OF WIGHT, PO36 8HH | £173,500 | 29/09/2021 | Flat |

**Area average:** £146,821 (17 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £150,228 (12 Flat, PO36, 2024–2026)
- **Deviation:** +19.8%

## Rental Range

*ONS Price Index of Private Rents (Isle of Wight). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £851/mo
- **Realistic:** £946/mo
- **Optimistic:** £1,041/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Breakwaters, PO36 | £1,200/mo | 2 | 0.26 miles | OpenRent |
| 2 Bed Maisonette, Chatsworth Mews, PO36 | £875/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed Bungalow, Central Way, PO36 | £1,100/mo | 2 | 0.45 miles | OpenRent |
| 2 Bed Bungalow, Porter Avenue, PO36 | £1,400/mo | 2 | 1.09 miles | OpenRent |

**Average rent: £1,144/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.64% (weak for cashflow)
- **Max investor price (0.8%):** £143,750
- **Target investor price (1%):** £115,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,150/mo).*

- **Gross yield:** 7.7%
- **Cost-to-rent:** 13×
- **Monthly cashflow:** £301/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.9%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Price per Square Metre

- **£/m²:** £2,222/m²

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -18.8%
- **10y growth:** 9.5%

## House Price Index (HM Land Registry)

*Official index for Isle of Wight; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -5.7%
- **5y growth (index):** -5.5%
- **10y growth (index):** 17.1%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

resizedMain.png resizedLounge1.png GardenNEW.png resizedBed1a.png resizedKitchen2.png resizedBathroom2.png resizedSunRoom2.png resizedBathroom1.png resizedBed1b.png resizedBed1c.png resizedBed2.png resizedEntHall.png resizedKitchen1.png resizedLounge2.png

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Property details

Tenure

SHARE_OF_FREEHOLD

Floor area

81 m²

Council tax band

EPC rating

Year built

England and Wales: before 1900

Last sold

£171,000 Feb 2026

Price per m²

£2,222/m²

Local average

£150,228 (+19.8%)

Deprivation

Decile 3 (9,973 of 33,755)

Street crime

125 incidents within 1 mile (May 2026)

Key features

Charming Garden Flat
2 Bedrooms
Large Lounge & Separate Kitchen
Private Garden
Potential Off Road Parking (STPP)
Many Character Features
Short Walk to Town Centre & Beach
CHAIN FREE
Viewings Welcome

Additional details

Parking: Yes
Garden: Yes

Description

Located in the popular seaside town of Sandown, this charming property presents an excellent opportunity for those seeking a delightful ground floor maisonette. This inviting home boasts 2 bedrooms, making it ideal for couples, or individuals looking for a comfortable living space.

The maisonette is situated in a convenient location, providing easy access to local amenities, including shops, cafes, and recreational areas. Sandown is renowned for its beautiful beaches and scenic coastal walks, offering a perfect blend of relaxation and outdoor activities.

Inside, the property features a warm and welcoming atmosphere, with ample natural light flowing through the living spaces and many original features. The layout has been designed to maximise comfort and functionality, and the private garden and potential off road parking (subject to planning permission) adds to the appeal of this charming home.

This maisonette is not just a home; it is a lifestyle choice, allowing you to immerse yourself in the vibrant community of Sandown while enjoying the tranquillity of your own space. Whether you are looking for a holiday retreat or your next home, this is a property that should not be overlooked.

Entrance Hall -

Lounge - 5.18m into bay x 4.70m (17' into bay x 15'5) -

Kitchen - 3.35m x 2.11m (11' x 6'11) -

Bedroom 1 - 4.85m x 3.94m (15'11 x 12'11) -

Bedroom 2 - 3.33m x 1.96m (10'11 x 6'5) -

Bathroom - 3.73m x 1.55m (12'3 x 5'1) -

Sun Room - 3.40m x 1.80m (11'2 x 5'11) -

Outside - To the front of the property there is space for off road parking to be created, subject to the relevant planning permission. The established rear garden is mainly laid to lawn and features a variety of mature plants, shrubs and a garden shed.

Services - Unconfirmed: gas, electric, telephone, mains water and drainage.

Council Tax - Band B - Please contact The Isle of Wight Council.

Agents Notes - Our particulars are designed to give a fair description of the property, but if there is any point of special importance to you we will be pleased to check the information for you. None of the appliances or services have been tested, should you require to have tests carried out, we will be happy to arrange this for you. Nothing in these particulars is intended to indicate that any carpets or curtains, furnishings or fittings, electrical goods (whether wired in or not), gas fires or light fitments, or any other fixtures not expressly included, are part of the property offered for sale.

Listed by

Shanklin

The Wright Estate Agency

Reference: 165565202

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 05/06/2018

Expiry date: 04/06/2028

Current heating cost: £723/year

Potential heating cost: £407/year

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (14,000)
Floor insulation (suspended floor) (1,200)
Draughtproof single-glazed windows (120)
Low energy lighting for all fixed outlets (40)
Replace single glazed windows with low-E double glazing (6,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Flat 1, 30 Victoria Road, Sandown.jpg

EPC Graphs

EE Rating

FENSA Certificates

This property has 3 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #10692987

Property Details

Street: 40 Victoria Road

Town: SANDOWN

Postcode: PO36 8AL

Installation Details

Items: 2 windows

Certificate Issued: 08/12/2014

Work Completed: 03/11/2014

This certificate data was retrieved from FENSA's database

FENSA Certificate #14216327

Property Details

Street: 40 Victoria Road

Town: SANDOWN

Postcode: PO36 8AL

Installation Details

Items: 4 windows

Certificate Issued: 27/09/2020

Work Completed: 17/09/2020

This certificate data was retrieved from FENSA's database

FENSA Certificate #16477956 Recent

Property Details

Street: 40 Victoria Road

Town: SANDOWN

Postcode: PO36 8AL

Installation Details

Items: 2 windows and 1 door

Certificate Issued: 22/09/2024

Work Completed: 13/09/2024

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

167% since 2000

Event	Date	Price	% change
Sold	18/02/2026 (5 months ago)	£171,000	+96.6%
Sold	29/06/2015 (11 years ago)	£87,000	+35.9%
Sold	20/10/2000 (25 years ago)	£64,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
KINGS COURT, 49 FLAT 4 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HQ	£170,000	21/10/2025	Flat
SANDHAM HALL, 20 FLAT 4 VICTORIA ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AL	£120,000	11/04/2025	Flat
4 FLAT 6 ALBION ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AG	£150,000	01/12/2023	Flat
NAPOLI COURT FLAT 1 QUEENS ROAD, SANDOWN, ISLE OF WIGHT, PO36 8DT	£150,000	17/10/2023	Flat
38 CARTER STREET, SANDOWN, ISLE OF WIGHT, PO36 8DQ	£190,000	02/05/2023	Flat
LAVINIA COURT, 37 FLAT 9 CARTER STREET, SANDOWN, ISLE OF WIGHT, PO36 8DQ	£175,000	31/03/2023	Flat
50 FLAT 3 HIGH STREET, SANDOWN, ISLE OF WIGHT, PO36 8AE	£185,000	06/12/2022	Flat
55 FLAT 4 GROVE ROAD, SANDOWN, ISLE OF WIGHT, PO36 8HH	£177,000	11/11/2022	Flat
17 FLAT 5 AVENUE ROAD, SANDOWN, ISLE OF WIGHT, PO36 8BN	£108,000	05/08/2022	Flat
HAWKSWORTH HOUSE, 73 FLAT 2 ST JOHNS ROAD, SANDOWN, ISLE OF WIGHT, PO36 8HE	£95,000	23/05/2022	Flat
WINCHESTER PARK COURT, 60 FLAT 12 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HR	£155,000	22/04/2022	Flat
WINCHESTER PARK COURT, 60 FLAT 7 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HR	£122,000	25/02/2022	Flat
20 FLAT 4 CARTER STREET, SANDOWN, ISLE OF WIGHT, PO36 8BP	£77,950	08/02/2022	Flat
88A STATION AVENUE, SANDOWN, ISLE OF WIGHT, PO36 8HB	£115,000	18/10/2021	Flat
ASHBORNE COURT, 3 FLAT 4 ALBERT ROAD, SANDOWN, ISLE OF WIGHT, PO36 8AN	£152,500	14/10/2021	Flat
KINGS COURT, 49 FLAT 8 FITZROY STREET, SANDOWN, ISLE OF WIGHT, PO36 8HQ	£180,000	08/10/2021	Flat
30 FLAT 2 GROVE ROAD, SANDOWN, ISLE OF WIGHT, PO36 8HH	£173,500	29/09/2021	Flat

Area average: £146,821 (17 sales)

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth -18.8%

10y growth 9.5%

House Price Index (HM Land Registry — official index, not sold-price averages): Isle of Wight. Series: Flats and maisonettes. As of April 2026.

1y (index) -5.7%

5y (index) -5.5%

10y (index) 17.1%

Rental Range

Estimated market rent for Isle of Wight. Low = conservative, Realistic = average, Optimistic = best case.

Low £851/mo

Realistic £946/mo

Optimistic £1,041/mo

Based on Local Authority from postcode lookup → Isle of Wight.

Location

Map view View on Google Maps View on OpenStreetMap Street View PO36 8AL

Address

40 Victoria Road

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Station Avenue	0.1 miles
Shop	Albert Road Stores	0.1 miles
Bus stop	Sandown, Victoria Road	0.1 miles
Shop	Friends of the Animals	0.1 miles
Train station	Sandown	0.4 miles
Train station	Lake	1.0 miles
Hospital	Laidlaw Day Hospital	7.3 miles
University	St Andrew's Court Information Centre	9.9 miles
Hospital	Forton Medical Centre	9.9 miles
University	Careers and Employability Service	10.0 miles

Street-level crime

Category	Count
Violence and sexual offences	40
Anti-social behaviour	33
Shoplifting	16
Criminal damage and arson	13
Drugs	6
Other theft	6
Public order	6
Burglary	2
Bicycle theft	1
Other crime	1
Theft from the person	1
Total incidents	125

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
The Bay Church of England School	Other	0.3 miles	Good — 26 Apr 2023
Forest Edge School	Other	0.4 miles	Good — 2 May 2024
Broadlea Primary School	Primary	1.2 miles	Good — 15 Nov 2021
Gatten and Lake Primary School	Primary	1.5 miles	Good — 12 Jan 2023
Brading Church of England Controlled Primary School	Primary	1.7 miles	Good — 19 Sep 2016

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Flat, Breakwaters, PO36	£1,200/mo	2	0.26 miles	OpenRent
2 Bed Maisonette, Chatsworth Mews, PO36	£875/mo	2	0.29 miles	OpenRent
2 Bed Bungalow, Central Way, PO36	£1,100/mo	2	0.45 miles	OpenRent
2 Bed Bungalow, Porter Avenue, PO36	£1,400/mo	2	1.09 miles	OpenRent

Average rent: £1,144/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.64%

Max investor price (0.8%) £143,750

Target investor price (1%) £115,000

Gross yield 7.7%

Cost-to-rent ratio 13×

Monthly cashflow £301/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 6.9%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

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