Sold STC Terraced

8 SPALDING ROAD

NOTTINGHAM, CITY OF NOTTINGHAM NG3 2AZ

2 beds 1 baths Listed 13 Feb 2020 (-2350d)

£110,000

Guide Price

Save

# 2 bedroom terraced house for sale (NG3 2AZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 8 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM NG3 2AZ |
| Price | £110,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £125,000 Jul 2020 |

## Description

The Property

Guide Price £110,000-£120,000 **A MUST VIEW** PurpleBricks are delighted to offer this beautifully presented two double bedroom property situated very close to Nottingham City centre. This ideal first time buy/investment property consists of: Living room and large dining kitchen with French doors to garden. The first floor includes: Landing with loft access, family bathroom and two double bedrooms with the master having built in storage. The property also benefits from double glazing, gas central heating with combination boiler and enclosed low maintenance rear garden.

To book a viewing instantly just visit our website or download our award-winning App.

Living Room

13'0" x 11'11"

UPVC double glazed window to front aspect, front door, laminate flooring, wall mounted radiator, ceiling light and built in storage cupboard/TV unit.

Kitchen/Diner

16'11" x 11'11" (max)

Fitted wall, base and drawer units, sink unit with mixer tap, integrated oven, hob, plumbing for washing machine, plumbing for dishwasher and space for fridge/freezer. UPVC double glazed French doord to garden, uPVC double glazed windows to rear aspect, laminate flooring, wall mounted radiator, under stairs storage, splash back tiles and two ceiling lights.

Landing

Original flooring, loft access and ceiling light.

Bedroom One

12'1" x 10'0"

UPVC double glazed window to rear aspect, wall mounted radiator, carpeted flooring, built in storage cupboard and ceiling light.

Bedroom Two

13'0" x 10'11"

UPVC double glazed window to front aspect, wall mounted radiator, original flooring and ceiling light.

Bathroom

12'0" (max) x 4'10"

Paneled bath with electric shower, wash hand basin and low level WC. Part tiled walls, laminate flooring, wall mounted radiator, extractor fan, ceiling light and storage cupboard housing the combination boiler.

**Disclaimer for virtual viewings**

If you choose to make an offer based solely on a virtual viewing, then Purplebricks does not accept any liability for errors in the information provided, including but not limited to, measurements, photography and video content. Should you decide to make an offer on a property, you accept that any representations made in relation to the property are based on virtual information provided by the Vendor only. Purplebricks is not responsible for this information or its accuracy. If in any doubt, you should make additional enquiries before completion.

## Property Photos

- ![Front](/listings/photos/68347995/1266899) - Front
- ![Living Room](/listings/photos/68347995/1266900) - Living Room
- ![Kitchen](/listings/photos/68347995/1266901) - Kitchen
- ![Kitchen/Diner](/listings/photos/68347995/1266902) - Kitchen/Diner
- ![Living Room](/listings/photos/68347995/1266903) - Living Room
- ![Kitchen/Diner](/listings/photos/68347995/1266905) - Kitchen/Diner
- ![Kitchen](/listings/photos/68347995/1266911) - Kitchen
- ![Kitchen/Diner](/listings/photos/68347995/1266920) - Kitchen/Diner
- ![Dining Room](/listings/photos/68347995/1266926) - Dining Room
- ![Bedroom One](/listings/photos/68347995/1266930) - Bedroom One
- ![Bedroom One](/listings/photos/68347995/1266933) - Bedroom One
- ![Bedroom Two](/listings/photos/68347995/1266936) - Bedroom Two
- ![Bathroom](/listings/photos/68347995/1266939) - Bathroom
- ![Garden](/listings/photos/68347995/1266942) - Garden

## Floorplans

- ![Floorplan 1](/listings/photos/68347995/1266945) - Floorplan 1

## EPC Graphs

- ![epc](/listings/photos/68347995/1266948) - epc

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #3384026
- **Address:** 8 Spalding Road, NOTTINGHAM, NG3 2AZ
- **Certificate Issued:** 16/01/2006
- **Work Completed:** 19/12/2005
- **Items:** 6 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 8 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £125,000 | 06/07/2020 | Terraced |
| 8 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £84,000 | 01/04/2010 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 8 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA | £145,000 | 28/11/2025 | Terraced |
| [Same street] 18 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £220,000 | 06/09/2024 | Semi-detached |
| 31 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX | £160,000 | 20/12/2023 | Terraced |
| 1 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX | £160,000 | 01/11/2023 | Terraced |
| 102 CARLTON ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AS | £100,000 | 29/09/2023 | Terraced |
| 27 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA | £124,152 | 11/08/2023 | Terraced |
| 6 DEVON STREET, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BE | £180,000 | 23/06/2023 | Terraced |
| 34 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX | £145,000 | 20/06/2023 | Terraced |
| 13 DENSTONE ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AW | £111,000 | 31/05/2023 | Terraced |
| 7 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA | £101,501 | 26/05/2023 | Terraced |
| 11 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AY | £165,000 | 21/04/2023 | Terraced |
| 217 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BH | £135,000 | 29/03/2023 | Terraced |
| 114 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BW | £170,000 | 21/12/2022 | Terraced |
| [Same street] 20 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £255,000 | 19/12/2022 | Detached |
| 156 CARLTON ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BB | £148,000 | 15/12/2022 | Terraced |
| [Same street] 80 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £75,931 | 09/12/2022 | Terraced |
| 137 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BH | £155,000 | 05/12/2022 | Terraced |
| [Same street] 78 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £154,000 | 01/12/2022 | Terraced |
| 171 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BH | £110,000 | 11/11/2022 | Terraced |
| 24 WALTON AVENUE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BS | £103,000 | 22/09/2022 | Terraced |
| 6 ELFORD RISE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BN | £130,000 | 02/09/2022 | Terraced |
| 34 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA | £117,500 | 19/08/2022 | Terraced |
| [Same street] 56 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £70,000 | 03/08/2022 | Terraced |
| 9 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA | £107,000 | 25/07/2022 | Terraced |
| 24 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX | £135,000 | 16/06/2022 | Terraced |
| [Same street] 18 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £158,000 | 28/02/2022 | Semi-detached |
| [Same street] 66 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ | £103,000 | 16/11/2021 | Semi-detached |

**Street average:** £147,990 (7 sales)
**Area average:** £135,108 (20 sales)

## Price vs local average

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

- **Local average:** £183,904 (47 Terraced, NG3, 2024–2026)
- **Deviation:** -40.2%

## Rental Range

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

- **Low:** £905/mo
- **Realistic:** £1,006/mo
- **Optimistic:** £1,107/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £648/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, William Bancroft Buildings, NG3 | £1,250/mo | 2 | 0.3 miles | OpenRent |
| 2 Bed Flat, William Bancroft Buildings, NG3 | £1,250/mo | 2 | 0.34 miles | OpenRent |

**Average rent: £1,250/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 1.14% (strong)
- **Max investor price (0.8%):** £156,250
- **Target investor price (1%):** £125,000

*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 £1,250/mo).*

- **Gross yield:** 13.6%
- **Cost-to-rent:** 7.3×
- **Monthly cashflow:** £667/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 25.1%

*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).*

## Capital growth trend

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

- **5y growth:** 44.3%
- **10y growth:** 61.8%

## House Price Index (HM Land Registry)

*Official index for City of Nottingham; Terraced series; as of April 2026.*

- **1y growth (index):** 1.2%
- **5y growth (index):** 20%
- **10y growth (index):** 67.8%

## 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)

Front Living Room Kitchen Kitchen/Diner Living Room Kitchen/Diner Kitchen Kitchen/Diner Dining Room Bedroom One Bedroom One Bedroom Two Bathroom Garden

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Property details

Tenure

FREEHOLD

Last sold

£125,000 Jul 2020

Local average

£183,904 (-40.2%)

Deprivation

Decile 2 (4,139 of 33,755)

Street crime

1205 incidents within 1 mile (May 2026)

Key features

Sought After Location
Close To Nottingham City Centre
Two Double Bedrooms
Openplan Kitchen Diner With French Doors To Garden
Low Maintenance Rear Garden
Double Glazed
Combination Boiler

Additional details

Heating: Gas central
Garden: Private garden

Description

The Property
Guide Price £110,000-£120,000 A MUST VIEW PurpleBricks are delighted to offer this beautifully presented two double bedroom property situated very close to Nottingham City centre. This ideal first time buy/investment property consists of: Living room and large dining kitchen with French doors to garden. The first floor includes: Landing with loft access, family bathroom and two double bedrooms with the master having built in storage. The property also benefits from double glazing, gas central heating with combination boiler and enclosed low maintenance rear garden.
To book a viewing instantly just visit our website or download our award-winning App.

Living Room
13'0" x 11'11"
UPVC double glazed window to front aspect, front door, laminate flooring, wall mounted radiator, ceiling light and built in storage cupboard/TV unit.

Kitchen/Diner
16'11" x 11'11" (max)
Fitted wall, base and drawer units, sink unit with mixer tap, integrated oven, hob, plumbing for washing machine, plumbing for dishwasher and space for fridge/freezer. UPVC double glazed French doord to garden, uPVC double glazed windows to rear aspect, laminate flooring, wall mounted radiator, under stairs storage, splash back tiles and two ceiling lights.

Landing
Original flooring, loft access and ceiling light.

Bedroom One
12'1" x 10'0"
UPVC double glazed window to rear aspect, wall mounted radiator, carpeted flooring, built in storage cupboard and ceiling light.

Bedroom Two
13'0" x 10'11"
UPVC double glazed window to front aspect, wall mounted radiator, original flooring and ceiling light.

Bathroom
12'0" (max) x 4'10"
Paneled bath with electric shower, wash hand basin and low level WC. Part tiled walls, laminate flooring, wall mounted radiator, extractor fan, ceiling light and storage cupboard housing the combination boiler.

Disclaimer for virtual viewings
If you choose to make an offer based solely on a virtual viewing, then Purplebricks does not accept any liability for errors in the information provided, including but not limited to, measurements, photography and video content. Should you decide to make an offer on a property, you accept that any representations made in relation to the property are based on virtual information provided by the Vendor only. Purplebricks is not responsible for this information or its accuracy. If in any doubt, you should make additional enquiries before completion.

Listed by

covering Central England

Purplebricks

Reference: 68347995

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

epc

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #3384026

Property Details

Street: 8 Spalding Road

Town: NOTTINGHAM

Postcode: NG3 2AZ

Installation Details

Items: 6 windows and 1 door

Certificate Issued: 16/01/2006

Work Completed: 19/12/2005

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

49% since 2010

Event	Date	Price	% change
Sold	06/07/2020 (6 years ago)	£125,000	+48.8%
Sold	01/04/2010 (16 years ago)	£84,000	—

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
8 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA	£145,000	28/11/2025	Terraced
Same street 18 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ	£220,000	06/09/2024	Semi-detached
31 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX	£160,000	20/12/2023	Terraced
1 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX	£160,000	01/11/2023	Terraced
102 CARLTON ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AS	£100,000	29/09/2023	Terraced
27 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA	£124,152	11/08/2023	Terraced
6 DEVON STREET, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BE	£180,000	23/06/2023	Terraced
34 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX	£145,000	20/06/2023	Terraced
13 DENSTONE ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AW	£111,000	31/05/2023	Terraced
7 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA	£101,501	26/05/2023	Terraced
11 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AY	£165,000	21/04/2023	Terraced
217 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BH	£135,000	29/03/2023	Terraced
114 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BW	£170,000	21/12/2022	Terraced
Same street 20 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ	£255,000	19/12/2022	Detached
156 CARLTON ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BB	£148,000	15/12/2022	Terraced
Same street 80 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ	£75,931	09/12/2022	Terraced
137 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BH	£155,000	05/12/2022	Terraced
Same street 78 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ	£154,000	01/12/2022	Terraced
171 WINDMILL LANE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BH	£110,000	11/11/2022	Terraced
24 WALTON AVENUE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BS	£103,000	22/09/2022	Terraced
6 ELFORD RISE, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BN	£130,000	02/09/2022	Terraced
34 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA	£117,500	19/08/2022	Terraced
Same street 56 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ	£70,000	03/08/2022	Terraced
9 WORKSOP ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2BA	£107,000	25/07/2022	Terraced
24 ST CUTHBERTS ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AX	£135,000	16/06/2022	Terraced
Same street 18 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ	£158,000	28/02/2022	Semi-detached
Same street 66 SPALDING ROAD, NOTTINGHAM, CITY OF NOTTINGHAM, NG3 2AZ	£103,000	16/11/2021	Semi-detached

Street average: £147,990 (7 sales)

Area average: £135,108 (20 sales)

Capital growth trend

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

5y growth 44.3%

10y growth 61.8%

House Price Index (HM Land Registry — official index, not sold-price averages): City of Nottingham. Series: Terraced. As of April 2026.

1y (index) 1.2%

5y (index) 20%

10y (index) 67.8%

Rental Range

Estimated market rent for Nottingham. Low = conservative, Realistic = average, Optimistic = best case.

Low £905/mo

Realistic £1,006/mo

Optimistic £1,107/mo

Based on Local Authority from postcode lookup → Nottingham.

LHA (30th percentile) floor for Nottingham: £648/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View NG3 2AZ

Nearby

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

Type	Name	Distance
Shop	Super Discount Store	0.0 miles
Shop	T9T Mobile Phone	0.1 miles
Bus stop	St Matthias Road	0.1 miles
Train station	Nottingham	0.9 miles
Hospital	Thorneywood	1.0 miles
University	Chaucer Study Space	1.1 miles
Hospital	Priory Hospital Nottingham	1.1 miles
Train station	Netherfield	2.1 miles
University	Clinical Sciences	2.7 miles

Street-level crime

Category	Count
Violence and sexual offences	418
Shoplifting	150
Public order	102
Criminal damage and arson	100
Anti-social behaviour	97
Other theft	90
Drugs	56
Vehicle crime	56
Robbery	33
Theft from the person	30
Burglary	28
Other crime	16
Bicycle theft	15
Possession of weapons	14
Total incidents	1205

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
Sneinton St Stephen's CofE Primary School	Primary	0.2 miles	Outstanding — 10 Mar 2024
Rosehill School	Other	0.3 miles	Outstanding — 18 Apr 2013
Edale Rise Primary & Nursery School	Primary	0.3 miles	Good — 30 Jul 2023
William Booth Primary and Nursery School	Primary	0.3 miles	Good — 3 Apr 2014
Windmill L.E.A.D. Academy	Primary	0.4 miles	Good — 4 Feb 2015

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, William Bancroft Buildings, NG3	£1,250/mo	2	0.3 miles	OpenRent
2 Bed Flat, William Bancroft Buildings, NG3	£1,250/mo	2	0.34 miles	OpenRent

Average rent: £1,250/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.14%

Max investor price (0.8%) £156,250

Target investor price (1%) £125,000

Gross yield 13.6%

Cost-to-rent ratio 7.3×

Monthly cashflow £667/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 25.1%

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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