Sold STC Terraced

44 APPLE CLOSE

SNODLAND, KENT ME6 5JP

3 beds 1 baths 732 sq ft Listed 15 Sep 2025 (-273d)

£325,000

Guide Price

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# 3 bedroom terraced house for sale (ME6 5JP)

## Property Details

| Key | Value |
|-----|-------|
| Address | 44 APPLE CLOSE, SNODLAND, KENT ME6 5JP |
| Price | £325,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: 1967-1975 |
| Floor area | 68 m² |
| Last sold | £325,000 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 09/09/2035
- **Current heating cost:** £513/year
- **Est. upgrade cost to C:** £9,235

### Recommendations
- G (£220 - £250)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4400-7408-0922-8592-3153)

## Description

The information provided about this property does not constitute or form part of an offer or contract, nor may it be regarded as representations. All interested parties must verify accuracy and your solicitor must verify tenure/lease information, fixtures & fittings and, where the property has been extended/converted, planning/building regulation consents. All dimensions are approximate and quoted for guidance only as are floor plans which are not to scale and their accuracy cannot be confirmed. Reference to appliances and/or services does not imply that they are necessarily in working order or fit for the purpose.

We are pleased to offer our customers a range of additional services to help them with moving home. None of these services are obligatory and you are free to use service providers of your choice. Current regulations require all estate agents to inform their customers of the fees they earn for recommending third party services. If you choose to use a service provider recommended by Wards, details of all referral fees can be found at the link below. If you decide to use any of our services, please be assured that this will not increase the fees you pay to our service providers, which remain as quoted directly to you.

## Property Photos

- ![External](/listings/photos/167004545/377866) - External
- ![Rear Garden](/listings/photos/167004545/377867) - Rear Garden
- ![Kitchen/Diner](/listings/photos/167004545/377870) - Kitchen/Diner
- ![Lounge](/listings/photos/167004545/377872) - Lounge
- ![Lounge (Contemporary Style)](/listings/photos/167004545/377873) - Lounge (Contemporary Style)
- ![Internal Lifestyle Photograph](/listings/photos/167004545/377882) - Internal Lifestyle Photograph
- ![Bedroom 1](/listings/photos/167004545/377886) - Bedroom 1
- ![Bedroom 1 (Modern Style)](/listings/photos/167004545/377887) - Bedroom 1 (Modern Style)
- ![Bedroom 2](/listings/photos/167004545/377896) - Bedroom 2
- ![Bedroom 2 (Modern Style)](/listings/photos/167004545/377899) - Bedroom 2 (Modern Style)
- ![Bedroom 3](/listings/photos/167004545/377901) - Bedroom 3
- ![Bedroom 3 (Contemporary Style)](/listings/photos/167004545/377904) - Bedroom 3 (Contemporary Style)
- ![Rear Elevation](/listings/photos/167004545/377908) - Rear Elevation
- ![Garage](/listings/photos/167004545/377911) - Garage

## Floorplans

- ![Ground Floor](/listings/photos/167004545/377912) - Ground Floor
- ![First Floor](/listings/photos/167004545/377913) - First Floor

## EPC Graphs

- ![EPC graph](/listings/photos/167004545/377916) - EPC graph

## FENSA Certificates

This property has 5 FENSA certificate(s) on record.

### FENSA Certificate #11014604
- **Address:** 44 Apple Close, SNODLAND, ME6 5JP
- **Certificate Issued:** 01/06/2015
- **Work Completed:** 02/04/2015
- **Items:** 4 window(s)

### FENSA Certificate #10713249
- **Address:** 44 Apple Close, SNODLAND, ME6 5JP
- **Certificate Issued:** 22/12/2014
- **Work Completed:** 06/12/2014
- **Items:** 2 window(s)

### FENSA Certificate #10496163
- **Address:** 44 Apple Close, SNODLAND, ME6 5JP
- **Certificate Issued:** 25/08/2014
- **Work Completed:** 15/08/2014
- **Items:** 1 door(s)

### FENSA Certificate #10389327
- **Address:** 44 Apple Close, SNODLAND, ME6 5JP
- **Certificate Issued:** 01/07/2014
- **Work Completed:** 21/06/2014
- **Items:** 1 window(s)

### FENSA Certificate #10082683
- **Address:** 44 Apple Close, SNODLAND, ME6 5JP
- **Certificate Issued:** 03/02/2014
- **Work Completed:** 13/01/2014
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 44 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £325,000 | 30/01/2026 | Flat |
| 44 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £220,000 | 22/09/2016 | Flat |
| 44 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £161,000 | 23/09/2013 | 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 |
|---------|-------|------|------|
| [Same street] 1 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £320,000 | 03/11/2023 | Detached |
| 16 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD | £295,000 | 02/10/2023 | Terraced |
| [Same street] 31 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £300,000 | 01/09/2023 | Terraced |
| [Same street] 12 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £325,000 | 05/06/2023 | Semi-detached |
| 21 LEWIS MEWS, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LN | £350,000 | 07/12/2022 | Terraced |
| 66 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QJ | £310,000 | 06/12/2022 | Terraced |
| [Same street] 17 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £345,000 | 25/11/2022 | Semi-detached |
| 28 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD | £340,000 | 30/09/2022 | Terraced |
| [Same street] 38 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £315,000 | 04/08/2022 | Semi-detached |
| 10 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LF | £300,000 | 24/06/2022 | Terraced |
| 86 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QJ | £290,000 | 04/05/2022 | Terraced |
| [Same street] 41 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £330,000 | 18/03/2022 | Semi-detached |
| 20 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD | £300,000 | 21/02/2022 | Terraced |
| 11 LAKEVIEW CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LX | £315,000 | 17/12/2021 | Terraced |
| 17 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QE | £253,000 | 06/12/2021 | Terraced |
| 230 MALLING ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JG | £282,500 | 02/11/2021 | Terraced |
| 22 LEWIS MEWS, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LN | £332,500 | 14/10/2021 | Terraced |
| 12 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LF | £315,000 | 30/09/2021 | Terraced |
| 47 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD | £300,000 | 27/09/2021 | Terraced |
| 306 MALLING ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JL | £265,000 | 27/09/2021 | Terraced |
| 123 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QH | £272,000 | 08/09/2021 | Terraced |
| 80 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QJ | £240,000 | 27/08/2021 | Terraced |
| 9 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JS | £434,000 | 09/08/2021 | Terraced |
| 13 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JS | £315,000 | 03/08/2021 | Terraced |
| [Same street] 25 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP | £270,150 | 02/08/2021 | Terraced |
| 9 LEWIS MEWS, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LN | £335,000 | 23/07/2021 | Terraced |
| 274 MALLING ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JN | £220,000 | 25/06/2021 | Terraced |

**Street average:** £315,021 (7 sales)
**Area average:** £303,200 (20 sales)

## Price vs local average

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

- **Local average:** £330,733 (15 Terraced, ME6, 2024–2026)
- **Deviation:** -1.7%

## Rental Range

*ONS Price Index of Private Rents (Tonbridge and Malling). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £1,327/mo
- **Realistic:** £1,474/mo
- **Optimistic:** £1,621/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Maidstone (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £1,197/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 |
|------|------|------|------|------|
| 3 Bed Penthouse, Larkfield, ME20 | £2,200/mo | 3 | 0.6 miles | OpenRent |

**Average rent: £2,200/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.68% (weak for cashflow)
- **Max investor price (0.8%):** £275,000
- **Target investor price (1%):** £220,000

*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 £2,200/mo).*

- **Gross yield:** 8.1%
- **Cost-to-rent:** 12.3×
- **Monthly cashflow:** £675/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.6%

*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:** £4,779/m²

## Capital growth trend

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

- **5y growth:** 11.4%
- **10y growth:** 26.9%

## House Price Index (HM Land Registry)

*Official index for Tonbridge and Malling; Terraced series; as of March 2026.*

- **1y growth (index):** -1.5%
- **5y growth (index):** 13%
- **10y growth (index):** 31.8%

## 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)

External Rear Garden Kitchen/Diner Lounge Lounge (Contemporary Style) Internal Lifestyle Photograph Bedroom 1 Bedroom 1 (Modern Style) Bedroom 2 Bedroom 2 (Modern Style) Bedroom 3 Bedroom 3 (Contemporary Style) Rear Elevation Garage

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Property details

Tenure

FREEHOLD

Floor area

68 m²

Council tax band

EPC rating

Year built

England and Wales: 1967-1975

Last sold

£325,000 Jan 2026

Price per m²

£4,779/m²

Local average

£330,733 (-1.7%)

Deprivation

Decile 3 (7,180 of 33,755)

Street crime

159 incidents within 1 mile (Apr 2026)

Key features

Sold by Wards
The images marked "Virtual Stager" show styling potential only. All other images show the property as currently presented.
Peaceful cul de sac location with a real community feel
The kitchen/diner is the perfect size for any budding chef
Garage access via the garden allowing you to use it as you wish
Handy allocated parking to rear
No work to be done inside as it's ready to move straight into

Additional details

Parking: Garage, Off street
Garden: Front garden, Back garden

Description

Move into this wonderful terraced house and enjoy the space it has to offer. With a sunny garden plus the real added bonus here is the excellent garage position with access via your garden. There's handy allocated parking outside your garage and with excellent travel links, this is definitely one to view.Room sizes:Entrance PorchLounge: 15'11 x 11'2 (4.85m x 3.41m)Kitchen/Diner: 15'11 x 11'4 (4.85m x 3.46m)LandingBedroom 1: 11'3 x 9'0 (3.43m x 2.75m)Bedroom 2: 8'9 x 8'4 (2.67m x 2.54m)Bedroom 3: 8'4 x 6'9 (2.54m x 2.06m)Bathroom: 6'11 x 5'5 (2.11m x 1.65m)Front and Rear GardensGarage and Parking to Rear
The information provided about this property does not constitute or form part of an offer or contract, nor may it be regarded as representations. All interested parties must verify accuracy and your solicitor must verify tenure/lease information, fixtures & fittings and, where the property has been extended/converted, planning/building regulation consents. All dimensions are approximate and quoted for guidance only as are floor plans which are not to scale and their accuracy cannot be confirmed. Reference to appliances and/or services does not imply that they are necessarily in working order or fit for the purpose.

We are pleased to offer our customers a range of additional services to help them with moving home. None of these services are obligatory and you are free to use service providers of your choice. Current regulations require all estate agents to inform their customers of the fees they earn for recommending third party services. If you choose to use a service provider recommended by Wards, details of all referral fees can be found at the link below. If you decide to use any of our services, please be assured that this will not increase the fees you pay to our service providers, which remain as quoted directly to you.

Listed by

Snodland

Arun Estates

Reference: 167004545

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 10/09/2025

Expiry date: 09/09/2035

Current heating cost: £513/year

Potential heating cost: £435/year

Est. upgrade cost to C: £9,235

Recommendations

Upgrade heating controls (£220 - £250)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Ground Floor

First Floor

EPC Graphs

Certificate Issued: 03/02/2014

Work Completed: 13/01/2014

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

102% since 2013

Event	Date	Price	% change
Sold	30/01/2026 (4 months ago)	£325,000	+47.7%
Sold	22/09/2016 (9 years ago)	£220,000	+36.6%
Sold	23/09/2013 (12 years ago)	£161,000	—

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
Same street 1 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP	£320,000	03/11/2023	Detached
16 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD	£295,000	02/10/2023	Terraced
Same street 31 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP	£300,000	01/09/2023	Terraced
Same street 12 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP	£325,000	05/06/2023	Semi-detached
21 LEWIS MEWS, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LN	£350,000	07/12/2022	Terraced
66 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QJ	£310,000	06/12/2022	Terraced
Same street 17 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP	£345,000	25/11/2022	Semi-detached
28 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD	£340,000	30/09/2022	Terraced
Same street 38 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP	£315,000	04/08/2022	Semi-detached
10 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LF	£300,000	24/06/2022	Terraced
86 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QJ	£290,000	04/05/2022	Terraced
Same street 41 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP	£330,000	18/03/2022	Semi-detached
20 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD	£300,000	21/02/2022	Terraced
11 LAKEVIEW CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LX	£315,000	17/12/2021	Terraced
17 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QE	£253,000	06/12/2021	Terraced
230 MALLING ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JG	£282,500	02/11/2021	Terraced
22 LEWIS MEWS, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LN	£332,500	14/10/2021	Terraced
12 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LF	£315,000	30/09/2021	Terraced
47 LAKESIDE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LD	£300,000	27/09/2021	Terraced
306 MALLING ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JL	£265,000	27/09/2021	Terraced
123 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QH	£272,000	08/09/2021	Terraced
80 SIMPSON ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5QJ	£240,000	27/08/2021	Terraced
9 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JS	£434,000	09/08/2021	Terraced
13 BROOK LANE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JS	£315,000	03/08/2021	Terraced
Same street 25 APPLE CLOSE, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JP	£270,150	02/08/2021	Terraced
9 LEWIS MEWS, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5LN	£335,000	23/07/2021	Terraced
274 MALLING ROAD, SNODLAND, TONBRIDGE AND MALLING, KENT, ME6 5JN	£220,000	25/06/2021	Terraced

Street average: £315,021 (7 sales)

Area average: £303,200 (20 sales)

Capital growth trend

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

5y growth 11.4%

10y growth 26.9%

House Price Index (HM Land Registry — official index, not sold-price averages): Tonbridge and Malling. Series: Terraced. As of March 2026.

1y (index) -1.5%

5y (index) 13%

10y (index) 31.8%

Rental Range

Estimated market rent for Tonbridge and Malling. Low = conservative, Realistic = average, Optimistic = best case.

Low £1,327/mo

Realistic £1,474/mo

Optimistic £1,621/mo

Based on Local Authority from postcode lookup → Tonbridge and Malling.

LHA (30th percentile) floor for Maidstone: £1,197/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ME6 5JP

Nearby

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

Type	Name	Distance
Shop	Ham Hill Stores	0.1 miles
Bus stop	The Holmesdale School	0.1 miles
Shop	Shell Select	0.2 miles
Train station	Snodland	0.8 miles
Train station	New Hythe	0.9 miles
Hospital	Unknown	3.1 miles
Hospital	Maidstone Hospital	3.8 miles
University	University for the Creative Arts, Maidstone TV Studios	4.3 miles
University	Unknown	5.3 miles

Street-level crime

Category	Count
Anti-social behaviour	50
Violence and sexual offences	49
Criminal damage and arson	19
Shoplifting	19
Public order	8
Vehicle crime	7
Drugs	3
Bicycle theft	2
Burglary	1
Robbery	1
Total incidents	159

Within 1 mile during Apr 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
Grow 19 LTD	Other	0.2 miles	— (No rating)
The Holmesdale School	Secondary	0.2 miles	Requires improvement — 13 Sep 2021
St Katherine's School & Nursery	Primary	0.4 miles	Good — 10 Mar 2024
Snodland CofE Primary School	Primary	0.7 miles	Good — 5 Dec 2012
Valley Invicta Primary School at Holborough Lakes	Primary	1.0 miles	Good — 29 Oct 2018

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
3 Bed Penthouse, Larkfield, ME20	£2,200/mo	3	0.6 miles	OpenRent

Average rent: £2,200/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.68%

Max investor price (0.8%) £275,000

Target investor price (1%) £220,000

Gross yield 8.1%

Cost-to-rent ratio 12.3×

Monthly cashflow £675/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.6%

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).