Sold STC Terraced

19 HOWITT STREET

HEANOR, DERBYSHIRE DE75 7AU

3 beds 89 m² Listed 1 Nov 2017 (-3183d)

£104,950

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# 3 bedroom terraced house for sale (DE75 7AU)

## Property Details

| Key | Value |
|-----|-------|
| Address | 19 HOWITT STREET, HEANOR, DERBYSHIRE DE75 7AU |
| Price | £104,950 |
| Bedrooms | 3 |
| Last sold | £104,950 Jan 2018 |

## Description

**DIRECTIONS**

From our Heanor office bear right onto Market Street and at the traffic lights proceed straight over onto Mansfield Road in the direction of Eastwood and take the 3rd right turning onto Howitt Street.  Proceed along Howitt Street to the bottom where the property is located on the right hand side clearly identified by our 'For Sale' board.

**LOUNGE** 3.96m (13'0") max  x 3.45m (11'4")

Having a UPVC double glazed window to the front elevation, central heating radiator, coving to ceiling and opening to chimney breast with wooden mantle and slated tiled hearth.

**DINING ROOM** 4.01m (13'2") x 3.81m (12'6")

Having a UPVC double glazed window to the rear elevation, central heating radiator, TV point, feature brick fire surround with slate tiled hearth and flue for wood burning stove.  Double opening door to kitchen.

**FITTED KITCHEN** 5.26m (17'3") x 2.06m (6'9")

Having a range of units comprising of base units with cupboards and drawers with granite effect work surfacing over, inset 1 1/2 bowl stainless steel sink and drainer, space for washing machine, space for fridge, built in Hotpoint electric oven with electric hob and stainless steel extractor hood over, splash back tiling, tiled flooring, central heating radiator, UPVC double glazed window to the side elevation and UPVC double glazed French doors to the rear patio area.

**INNER HALLWAY**

with stairs to first floor landing,

**BATHROOM**

Having a three piece suite comprising of panelled bath with shower off taps and glass shower screen, low flush WC and pedestal wash hand basin, tiled walls, tiled flooring, towel rail radiator, extractor fan and UPVC double glazed window to the side elevation.

**FIRST FLOOR LANDING**

A spacious landing having access to loft space.

**BEDROOM ONE** 4.04m (13'3") x 3.48m (11'5")

Having two UPVC double glazed windows to the front elevation, central heating radiator and coving to ceiling,

**BEDROOM TWO** 3.78m (12'5") x 3.15m (10'4")

Having a UPVC double glazed window to the rear elevation, central heating radiator and coving to ceiling,

**BEDROOM THREE** 3.76m (12'4") x 1.78m (5'10")

Having a UPVC double glazed window to the rear elevation, central heating radiator, coving to ceiling and cupboard housing combination gas central heating boiler.

**OUTSIDE**

To the front of the property is an enclosed front garden with slate chippings for ease of maintenance.

A side access gate leads to the larger than average rear garden with paved patio area,  lawn with shrub planting and pathway to the side leading to the very rear of the garden where there is a wooden workshop with decked seating area.  Wooden garden shed.

## Property Photos

- ![Main Picture](/listings/photos/69813770/1277051) - Main Picture
- ![LOUNGE](/listings/photos/69813770/1277053) - LOUNGE
- ![LOUNGE](/listings/photos/69813770/1277055) - LOUNGE
- ![DINING ROOM](/listings/photos/69813770/1277057) - DINING ROOM
- ![DINING ROOM](/listings/photos/69813770/1277060) - DINING ROOM
- ![FITTED KITCHEN](/listings/photos/69813770/1277061) - FITTED KITCHEN
- ![KITCHEN](/listings/photos/69813770/1277064) - KITCHEN
- ![BATHROOM](/listings/photos/69813770/1277067) - BATHROOM
- ![FIRST FLOOR LANDING](/listings/photos/69813770/1277074) - FIRST FLOOR LANDING
- ![BEDROOM ONE](/listings/photos/69813770/1277078) - BEDROOM ONE
- ![BEDROOM ONE](/listings/photos/69813770/1277082) - BEDROOM ONE
- ![BEDROOM TWO](/listings/photos/69813770/1277088) - BEDROOM TWO
- ![BEDROOM THREE](/listings/photos/69813770/1277093) - BEDROOM THREE
- ![OUTSIDE](/listings/photos/69813770/1277100) - OUTSIDE
- ![Garden](/listings/photos/69813770/1277108) - Garden
- ![Garden](/listings/photos/69813770/1277114) - Garden
- ![Garden](/listings/photos/69813770/1277117) - Garden

## EPC Graphs

- ![EPC](/listings/photos/69813770/1277122) - EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 19 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £104,950 | 12/01/2018 | Terraced |
| 19 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £95,000 | 30/09/2016 | Terraced |
| 19 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £90,000 | 14/12/2009 | 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 |
|---------|-------|------|------|
| 34 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT | £155,000 | 14/11/2025 | Terraced |
| 46 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AY | £110,000 | 14/12/2023 | Terraced |
| 16 OAKLANDS AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BB | £135,000 | 08/12/2023 | Terraced |
| 91 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £120,000 | 01/12/2023 | Terraced |
| 14 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT | £150,000 | 30/11/2023 | Terraced |
| 104 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £138,000 | 24/11/2023 | Terraced |
| 54 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ | £225,000 | 23/11/2023 | Terraced |
| 66 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £180,000 | 27/10/2023 | Terraced |
| 10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ | £215,000 | 19/04/2023 | Terraced |
| [Same street] 33 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £105,000 | 30/03/2023 | Semi-detached |
| [Same street] 26 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £140,000 | 10/03/2023 | Terraced |
| 12 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AJ | £235,000 | 24/02/2023 | Terraced |
| [Same street] 61 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £205,000 | 06/01/2023 | Semi-detached |
| 10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ | £210,000 | 30/11/2022 | Terraced |
| 55 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB | £185,000 | 25/11/2022 | Terraced |
| 100 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AW | £140,000 | 24/11/2022 | Terraced |
| 21 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX | £142,000 | 30/09/2022 | Terraced |
| 98A HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £143,000 | 15/09/2022 | Terraced |
| 15 NEWTON DRIVE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TQ | £170,000 | 29/07/2022 | Terraced |
| 63 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ | £160,000 | 13/07/2022 | Terraced |
| 9 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB | £170,000 | 22/04/2022 | Terraced |
| [Same street] 24 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £112,000 | 04/04/2022 | Semi-detached |
| 31 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT | £367,500 | 31/03/2022 | Terraced |
| 5 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX | £103,000 | 17/03/2022 | Terraced |
| [Same street] 69 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £250,000 | 20/12/2021 | Semi-detached |
| [Same street] 14 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £115,000 | 21/10/2021 | Terraced |
| [Same street] 23 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £121,000 | 09/08/2021 | Terraced |

**Street average:** £149,714 (7 sales)
**Area average:** £172,675 (20 sales)

## Price vs local average

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

- **Local average:** £130,873 (28 Terraced, DE75, 2024–2026)
- **Deviation:** -19.8%

## Rental Range

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

- **Low:** £710/mo
- **Realistic:** £789/mo
- **Optimistic:** £868/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £698/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 Semi-Detached House, Grace Crescent, DE75 | £1,000/mo | 3 | 0.23 miles | OpenRent |
| 3 Bed Terraced House, Breach Road, DE75 | £825/mo | 3 | 0.56 miles | OpenRent |
| 3 Bed Terraced House, Loscoe Road, DE75 | £900/mo | 3 | 0.78 miles | OpenRent |
| 3 Bed End Terrace, Campbell St, NG16 | £950/mo | 3 | 0.83 miles | OpenRent |

**Average rent: £919/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.88% (okay)
- **Max investor price (0.8%):** £115,625
- **Target investor price (1%):** £92,500

*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 £925/mo).*

- **Gross yield:** 10.6%
- **Cost-to-rent:** 9.5×
- **Monthly cashflow:** £394/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 15.5%

*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:** 2.8%
- **10y growth:** 13.2%

## House Price Index (HM Land Registry)

*Official index for Amber Valley; Terraced series; as of April 2026.*

- **1y growth (index):** 5.8%
- **5y growth (index):** 22.8%
- **10y growth (index):** 67.2%

## 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)

Main Picture LOUNGE LOUNGE DINING ROOM DINING ROOM FITTED KITCHEN KITCHEN BATHROOM FIRST FLOOR LANDING BEDROOM ONE BEDROOM ONE BEDROOM TWO BEDROOM THREE OUTSIDE Garden Garden Garden

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Property details

Floor area

89 m²

Last sold

£104,950 Jan 2018

Local average

£130,873 (-19.8%)

Deprivation

Decile 6 (19,653 of 33,755)

Street crime

255 incidents within 1 mile (May 2026)

Additional details

Garden: Yes

Description

A beautifully presented three bedroom mid terraced house situated in a popular residential location conveniently located for local shops and amenities, bus routes to Nottingham and Derby city centres and Langley Mill train station. The property offers spacious accommodation which is well presented throughout and a larger than average enclosed rear garden. The accommodation comprises lounge, dining room, fitted kitchen, family bathroom and three good sized bedrooms. Gas central heating. UPVC double glazing. Front and rear gardens. Offered for sale with no upward chain and internal viewing is highly recommended.

DIRECTIONS
From our Heanor office bear right onto Market Street and at the traffic lights proceed straight over onto Mansfield Road in the direction of Eastwood and take the 3rd right turning onto Howitt Street. Proceed along Howitt Street to the bottom where the property is located on the right hand side clearly identified by our 'For Sale' board.

LOUNGE 3.96m (13'0") max x 3.45m (11'4")
Having a UPVC double glazed window to the front elevation, central heating radiator, coving to ceiling and opening to chimney breast with wooden mantle and slated tiled hearth.

DINING ROOM 4.01m (13'2") x 3.81m (12'6")
Having a UPVC double glazed window to the rear elevation, central heating radiator, TV point, feature brick fire surround with slate tiled hearth and flue for wood burning stove. Double opening door to kitchen.

FITTED KITCHEN 5.26m (17'3") x 2.06m (6'9")
Having a range of units comprising of base units with cupboards and drawers with granite effect work surfacing over, inset 1 1/2 bowl stainless steel sink and drainer, space for washing machine, space for fridge, built in Hotpoint electric oven with electric hob and stainless steel extractor hood over, splash back tiling, tiled flooring, central heating radiator, UPVC double glazed window to the side elevation and UPVC double glazed French doors to the rear patio area.

INNER HALLWAY
with stairs to first floor landing,

BATHROOM
Having a three piece suite comprising of panelled bath with shower off taps and glass shower screen, low flush WC and pedestal wash hand basin, tiled walls, tiled flooring, towel rail radiator, extractor fan and UPVC double glazed window to the side elevation.

FIRST FLOOR LANDING
A spacious landing having access to loft space.

BEDROOM ONE 4.04m (13'3") x 3.48m (11'5")
Having two UPVC double glazed windows to the front elevation, central heating radiator and coving to ceiling,

BEDROOM TWO 3.78m (12'5") x 3.15m (10'4")
Having a UPVC double glazed window to the rear elevation, central heating radiator and coving to ceiling,

BEDROOM THREE 3.76m (12'4") x 1.78m (5'10")
Having a UPVC double glazed window to the rear elevation, central heating radiator, coving to ceiling and cupboard housing combination gas central heating boiler.

OUTSIDE
To the front of the property is an enclosed front garden with slate chippings for ease of maintenance.

A side access gate leads to the larger than average rear garden with paved patio area, lawn with shrub planting and pathway to the side leading to the very rear of the garden where there is a wooden workshop with decked seating area. Wooden garden shed.

Listed by

Heanor

Belvoir

Reference: 69813770

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC

Price history

17% since 2009

Event	Date	Price	% change
Sold	12/01/2018 (8 years ago)	£104,950	+10.5%
Sold	30/09/2016 (9 years ago)	£95,000	+5.6%
Sold	14/12/2009 (16 years ago)	£90,000	—

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
34 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT	£155,000	14/11/2025	Terraced
46 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AY	£110,000	14/12/2023	Terraced
16 OAKLANDS AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BB	£135,000	08/12/2023	Terraced
91 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£120,000	01/12/2023	Terraced
14 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT	£150,000	30/11/2023	Terraced
104 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£138,000	24/11/2023	Terraced
54 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ	£225,000	23/11/2023	Terraced
66 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£180,000	27/10/2023	Terraced
10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ	£215,000	19/04/2023	Terraced
Same street 33 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£105,000	30/03/2023	Semi-detached
Same street 26 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£140,000	10/03/2023	Terraced
12 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AJ	£235,000	24/02/2023	Terraced
Same street 61 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£205,000	06/01/2023	Semi-detached
10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ	£210,000	30/11/2022	Terraced
55 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB	£185,000	25/11/2022	Terraced
100 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AW	£140,000	24/11/2022	Terraced
21 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX	£142,000	30/09/2022	Terraced
98A HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£143,000	15/09/2022	Terraced
15 NEWTON DRIVE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TQ	£170,000	29/07/2022	Terraced
63 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ	£160,000	13/07/2022	Terraced
9 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB	£170,000	22/04/2022	Terraced
Same street 24 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£112,000	04/04/2022	Semi-detached
31 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT	£367,500	31/03/2022	Terraced
5 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX	£103,000	17/03/2022	Terraced
Same street 69 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£250,000	20/12/2021	Semi-detached
Same street 14 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£115,000	21/10/2021	Terraced
Same street 23 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£121,000	09/08/2021	Terraced

Street average: £149,714 (7 sales)

Area average: £172,675 (20 sales)

Capital growth trend

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

5y growth 2.8%

10y growth 13.2%

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

1y (index) 5.8%

5y (index) 22.8%

10y (index) 67.2%

Rental Range

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

Low £710/mo

Realistic £789/mo

Optimistic £868/mo

Based on Local Authority from postcode lookup → Amber Valley.

LHA (30th percentile) floor for Derby: £698/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View DE75 7AU

Nearby

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

Type	Name	Distance
Shop	The Mortgage Zone	0.1 miles
Shop	Henry Simms	0.1 miles
Bus stop	Marshall Street	0.1 miles
Train station	Langley Mill	0.6 miles
Train station	Ilkeston	3.3 miles
University	Clinical Sciences	8.0 miles
University	Britannia Mill	8.7 miles
Hospital	Priory Hospital Nottingham	9.4 miles
Hospital	Kings Mill Hospital	9.5 miles

Street-level crime

Category	Count
Violence and sexual offences	99
Anti-social behaviour	49
Public order	25
Criminal damage and arson	21
Shoplifting	19
Other theft	12
Drugs	8
Burglary	7
Other crime	5
Vehicle crime	5
Possession of weapons	4
Theft from the person	1
Total incidents	255

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
Laceyfields Academy	Primary	0.4 miles	Good — 24 Sep 2023
Jasmine House School	Other	0.4 miles	Good — 30 Nov 2023
Marlpool Junior School	Primary	0.4 miles	Good — 13 Nov 2022
Langley Mill Church of England Infant School and Nursery	Primary	0.4 miles	Good — 13 Dec 2010
Marlpool Infant School	Primary	0.5 miles	Good — 15 Apr 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
3 Bed Semi-Detached House, Grace Crescent, DE75	£1,000/mo	3	0.23 miles	OpenRent
3 Bed Terraced House, Breach Road, DE75	£825/mo	3	0.56 miles	OpenRent
3 Bed Terraced House, Loscoe Road, DE75	£900/mo	3	0.78 miles	OpenRent
3 Bed End Terrace, Campbell St, NG16	£950/mo	3	0.83 miles	OpenRent

Average rent: £919/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.88%

Max investor price (0.8%) £115,625

Target investor price (1%) £92,500

Gross yield 10.6%

Cost-to-rent ratio 9.5×

Monthly cashflow £394/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 15.5%

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).