For sale Flat

FLAT 5

ST. PETERS HOUSE, KENTS ROAD, TORQUAY, TORBAY TQ1 2NL

2 beds 1 baths 441 sq ft Listed 21 Apr 2026 (-90d)

£199,950

Guide Price

Reduced on 19 Jun 2026

Save

# 2 bedroom flat for sale (TQ1 2NL)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 5, ST. PETERS HOUSE, KENTS ROAD, TORQUAY, TORBAY TQ1 2NL |
| Price | £199,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: before 1900 |
| Floor area | 41 m² |
| Last sold | £130,000 Nov 2018 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 19/03/2036
- **Current heating cost:** £451/year
- **Est. upgrade cost to C:** £16,750

### Recommendations
- Q (£7,500 - £11,000)
- W2 (£5,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/6000-6307-0522-1623-3763)

## Description

A superb and spacious two bedroom first floor apartment, ideally situated in a sought after residential area, offering open views from the rear elevation and well presented modern accommodation.

The property benefits from a secure telephone/video entry system and opens into a welcoming hallway with access to the communal first floor landing and a useful separate storage cupboard. The standout feature is the impressive open plan living space providing a bright and versatile area for both relaxing and entertaining. The modern fitted kitchen is finished to a high standard and includes a range of built in appliances.

There are two generously sized double bedrooms  along with a contemporary fitted bathroom completing the accommodation.

With its spacious layout, modern finish, and attractive outlook, this apartment is well suited to a range of buyers including first-time purchasers, downsizers, or those seeking a lock-up-and-leave coastal home.

Offered for sale with no onward chain, an early viewing is highly recommended.

## Property Photos

- ![Photo](/listings/photos/174707537/1057542)
- ![Photo](/listings/photos/174707537/1057543)
- ![Photo](/listings/photos/174707537/1057544)
- ![Photo](/listings/photos/174707537/1057546)
- ![Photo](/listings/photos/174707537/1057547)
- ![Photo](/listings/photos/174707537/1057549)
- ![Photo](/listings/photos/174707537/1057550)
- ![Photo](/listings/photos/174707537/1057552)
- ![Photo](/listings/photos/174707537/1057553)
- ![Photo](/listings/photos/174707537/1057554)

## Floorplans

- ![All](/listings/photos/174707537/1057555) - All

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| ST. PETERS HOUSE FLAT 5 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £130,000 | 19/11/2018 | 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 |
|---------|-------|------|------|
| BARRINGTON HOUSE FLAT 12 BARRINGTON ROAD, TORQUAY, TORBAY, TQ1 2QJ | £225,000 | 09/01/2026 | Flat |
| MORNINGSIDE FLAT 6 BARRINGTON ROAD, TORQUAY, TORBAY, TQ1 2QJ | £160,000 | 25/11/2025 | Flat |
| [Same street] 11 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £520,000 | 26/03/2025 | Semi-detached |
| [Same street] ADMIRALS HOUSE, 1 FLAT 3 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £240,000 | 02/09/2024 | Flat |
| [Same street] AMBERLEY COURT FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £108,000 | 28/06/2024 | Flat |
| [Same street] ADMIRALS HOUSE, 1 FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £405,000 | 20/12/2023 | Flat |
| RIVERSDALE VILLA ALLWINDS KENTS ROAD, TORQUAY, TORBAY, TQ1 2EN | £225,000 | 15/12/2023 | Flat |
| [Same street] MONTROSE FLAT 2 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £450,000 | 01/12/2023 | Flat |
| WELLSWOOD HEIGHTS 3 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2NH | £185,000 | 30/11/2023 | Flat |
| [Same street] BEREA KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £620,000 | 26/05/2023 | Detached |
| GLENSIDE COURT FLAT 2 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ | £72,000 | 15/05/2023 | Flat |
| ASHELDON MANOR FLAT 1 MIDDLE WARBERRY ROAD, TORQUAY, TORBAY, TQ1 1RN | £119,000 | 12/05/2023 | Flat |
| KENTISKNOWLE FLAT 5 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NN | £140,000 | 04/04/2023 | Flat |
| ILSHAM HOUSE FLAT 11 ASHELDON ROAD, TORQUAY, TORBAY, TQ1 2QU | £182,500 | 31/03/2023 | Flat |
| KALINGA ELLESMERE ROAD, TORQUAY, TORBAY, TQ1 2QH | £370,000 | 28/03/2023 | Flat |
| ASHELDON MANOR FLAT A MIDDLE WARBERRY ROAD, TORQUAY, TORBAY, TQ1 1RN | £170,000 | 22/03/2023 | Flat |
| [Same street] 7 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £795,000 | 21/12/2022 | Terraced |
| GLENSIDE COURT FLAT 22 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ | £120,000 | 19/12/2022 | Flat |
| NORFOLK LODGE MIDDLE WARBERRY ROAD, TORQUAY, TORBAY, TQ1 1RN | £255,000 | 14/12/2022 | Flat |
| [Same street] MONTROSE FLAT 3 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £124,999 | 28/10/2022 | Flat |
| BARRINGTON HOUSE FLAT 8B BARRINGTON ROAD, TORQUAY, TORBAY, TQ1 2QJ | £96,000 | 28/10/2022 | Flat |
| GLENSIDE COURT FLAT 4 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ | £115,000 | 27/09/2022 | Flat |
| FIRSDENE FLAT 6 ELLESMERE ROAD, TORQUAY, TORBAY, TQ1 2QH | £45,000 | 21/09/2022 | Flat |
| ASHELDON HOUSE 12A ASHELDON ROAD, TORQUAY, TORBAY, TQ1 2QR | £225,000 | 14/09/2022 | Flat |
| 26 FLAT 4 ILSHAM ROAD, TORQUAY, TORBAY, TQ1 2JQ | £360,000 | 09/09/2022 | Flat |
| GLENSIDE COURT FLAT 21 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ | £86,500 | 31/08/2022 | Flat |
| FIRSDENE FLAT 1 ELLESMERE ROAD, TORQUAY, TORBAY, TQ1 2QH | £161,000 | 19/08/2022 | Flat |
| KENTISKNOWLE FLAT 7 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NN | £145,000 | 11/08/2022 | Flat |
| [Same street] 28 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £390,000 | 28/06/2022 | Flat |
| [Same street] AMBERLEY COURT FLAT 8 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £126,000 | 19/05/2022 | Flat |
| [Same street] ADMIRALS HOUSE, 1 FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £467,500 | 06/05/2022 | Flat |
| [Same street] 5 FLAT 6 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £177,500 | 25/03/2022 | Flat |
| [Same street] AMBERLEY COURT FLAT 10 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £140,000 | 04/03/2022 | Flat |
| [Same street] MONTROSE FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £140,000 | 07/12/2021 | Flat |
| [Same street] AMBERLEY COURT FLAT 5 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL | £130,000 | 23/09/2021 | Flat |

**Street average:** £322,267 (15 sales)
**Area average:** £172,850 (20 sales)

## Price vs local average

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

- **Local average:** £171,714 (70 Flat, TQ1, 2024–2026)
- **Deviation:** +16.4%

## Rental Range

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

- **Low:** £817/mo
- **Realistic:** £908/mo
- **Optimistic:** £999/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £673/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, Claire Court, TQ1 | £1,050/mo | 2 | 0.3 miles | OpenRent |
| 2 Bed Flat, Babbacombe Road, TQ1 | £975/mo | 2 | 0.42 miles | OpenRent |
| 2 Bed Flat, Villa Borghese, TQ1 | £1,275/mo | 2 | 0.43 miles | OpenRent |
| 2 Bed Flat, Trinity Mews, TQ1 | £1,195/mo | 2 | 0.78 miles | OpenRent |
| 2 Bed Terraced House, Coastguard Cottages, TQ1 | £1,495/mo | 2 | 0.79 miles | OpenRent |

**Average rent: £1,198/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.6% (weak for cashflow)
- **Max investor price (0.8%):** £149,375
- **Target investor price (1%):** £119,500

*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 £1,195/mo).*

- **Gross yield:** 7.2%
- **Cost-to-rent:** 13.9×
- **Monthly cashflow:** £263/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 5.4%

*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:** £4,877/m²

## Capital growth trend

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

- **5y growth:** -25.6%
- **10y growth:** -7.9%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -6.3%
- **5y growth (index):** -1.8%
- **10y growth (index):** 19.6%

## 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)

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Property details

Tenure

SHARE_OF_FREEHOLD

Floor area

41 m²

Council tax band

EPC rating

Year built

England and Wales: before 1900

Last sold

£130,000 Nov 2018

Price per m²

£4,877/m²

Local average

£171,714 (+16.4%)

Deprivation

Decile 5 (13,994 of 33,755)

Street crime

216 incidents within 1 mile (May 2026)

Key features

Spacious first floor apartment
Offered with no onward chain
Sought after Wellswood location
Two double bedrooms
Open plan living space
Modern fitted kitchen with built in appliances
Contemporary bathroom
Telephone/video entry system
Useful separate storage cupboard
Open views over surrounding area

Additional details

Electricity: Mains supply
Broadband: ADSL copper wire
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: On street
Restrictions: No
Rights of way: No
Flooded in last 5 years: No
Flood defences: No

Description

A superb and spacious two bedroom first floor apartment, ideally situated in a sought after residential area, offering open views from the rear elevation and well presented modern accommodation.
The property benefits from a secure telephone/video entry system and opens into a welcoming hallway with access to the communal first floor landing and a useful separate storage cupboard. The standout feature is the impressive open plan living space providing a bright and versatile area for both relaxing and entertaining. The modern fitted kitchen is finished to a high standard and includes a range of built in appliances.
There are two generously sized double bedrooms along with a contemporary fitted bathroom completing the accommodation.
With its spacious layout, modern finish, and attractive outlook, this apartment is well suited to a range of buyers including first-time purchasers, downsizers, or those seeking a lock-up-and-leave coastal home.
Offered for sale with no onward chain, an early viewing is highly recommended.

Listed by

Torquay

Absolute Sales & Lettings Ltd

Reference: 174707537

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: C

Inspection date: 20/03/2026

Expiry date: 19/03/2036

Current heating cost: £451/year

Potential heating cost: £304/year

Est. upgrade cost to C: £16,750

Recommendations

50 mm internal or external wall insulation (£7,500 - £11,000)
Floor insulation (solid floor) (£5,000 - £10,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

All

Price history

Event	Date	Price	% change
Listed for sale	—	£199,950	+53.8%
Sold	19/11/2018 (7 years ago)	£130,000	—

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
BARRINGTON HOUSE FLAT 12 BARRINGTON ROAD, TORQUAY, TORBAY, TQ1 2QJ	£225,000	09/01/2026	Flat
MORNINGSIDE FLAT 6 BARRINGTON ROAD, TORQUAY, TORBAY, TQ1 2QJ	£160,000	25/11/2025	Flat
Same street 11 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£520,000	26/03/2025	Semi-detached
Same street ADMIRALS HOUSE, 1 FLAT 3 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£240,000	02/09/2024	Flat
Same street AMBERLEY COURT FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£108,000	28/06/2024	Flat
Same street ADMIRALS HOUSE, 1 FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£405,000	20/12/2023	Flat
RIVERSDALE VILLA ALLWINDS KENTS ROAD, TORQUAY, TORBAY, TQ1 2EN	£225,000	15/12/2023	Flat
Same street MONTROSE FLAT 2 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£450,000	01/12/2023	Flat
WELLSWOOD HEIGHTS 3 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2NH	£185,000	30/11/2023	Flat
Same street BEREA KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£620,000	26/05/2023	Detached
GLENSIDE COURT FLAT 2 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ	£72,000	15/05/2023	Flat
ASHELDON MANOR FLAT 1 MIDDLE WARBERRY ROAD, TORQUAY, TORBAY, TQ1 1RN	£119,000	12/05/2023	Flat
KENTISKNOWLE FLAT 5 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NN	£140,000	04/04/2023	Flat
ILSHAM HOUSE FLAT 11 ASHELDON ROAD, TORQUAY, TORBAY, TQ1 2QU	£182,500	31/03/2023	Flat
KALINGA ELLESMERE ROAD, TORQUAY, TORBAY, TQ1 2QH	£370,000	28/03/2023	Flat
ASHELDON MANOR FLAT A MIDDLE WARBERRY ROAD, TORQUAY, TORBAY, TQ1 1RN	£170,000	22/03/2023	Flat
Same street 7 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£795,000	21/12/2022	Terraced
GLENSIDE COURT FLAT 22 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ	£120,000	19/12/2022	Flat
NORFOLK LODGE MIDDLE WARBERRY ROAD, TORQUAY, TORBAY, TQ1 1RN	£255,000	14/12/2022	Flat
Same street MONTROSE FLAT 3 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£124,999	28/10/2022	Flat
BARRINGTON HOUSE FLAT 8B BARRINGTON ROAD, TORQUAY, TORBAY, TQ1 2QJ	£96,000	28/10/2022	Flat
GLENSIDE COURT FLAT 4 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ	£115,000	27/09/2022	Flat
FIRSDENE FLAT 6 ELLESMERE ROAD, TORQUAY, TORBAY, TQ1 2QH	£45,000	21/09/2022	Flat
ASHELDON HOUSE 12A ASHELDON ROAD, TORQUAY, TORBAY, TQ1 2QR	£225,000	14/09/2022	Flat
26 FLAT 4 ILSHAM ROAD, TORQUAY, TORBAY, TQ1 2JQ	£360,000	09/09/2022	Flat
GLENSIDE COURT FLAT 21 HIGHER ERITH ROAD, TORQUAY, TORBAY, TQ1 2RJ	£86,500	31/08/2022	Flat
FIRSDENE FLAT 1 ELLESMERE ROAD, TORQUAY, TORBAY, TQ1 2QH	£161,000	19/08/2022	Flat
KENTISKNOWLE FLAT 7 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NN	£145,000	11/08/2022	Flat
Same street 28 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£390,000	28/06/2022	Flat
Same street AMBERLEY COURT FLAT 8 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£126,000	19/05/2022	Flat
Same street ADMIRALS HOUSE, 1 FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£467,500	06/05/2022	Flat
Same street 5 FLAT 6 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£177,500	25/03/2022	Flat
Same street AMBERLEY COURT FLAT 10 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£140,000	04/03/2022	Flat
Same street MONTROSE FLAT 1 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£140,000	07/12/2021	Flat
Same street AMBERLEY COURT FLAT 5 KENTS ROAD, TORQUAY, TORBAY, TQ1 2NL	£130,000	23/09/2021	Flat

Street average: £322,267 (15 sales)

Area average: £172,850 (20 sales)

Capital growth trend

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

5y growth -25.6%

10y growth -7.9%

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

1y (index) -6.3%

5y (index) -1.8%

10y (index) 19.6%

Rental Range

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

Low £817/mo

Realistic £908/mo

Optimistic £999/mo

Based on Local Authority from postcode lookup → Torbay.

LHA (30th percentile) floor for South Devon: £673/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View TQ1 2NL

Address

Kents Road

Nearby

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

Type	Name	Distance
Bus stop	Illsham Primary School	0.1 miles
Bus stop	Wellswood Kents Cavern	0.1 miles
Shop	Unknown	0.2 miles
Shop	ehair	0.4 miles
Train station	Torquay	1.7 miles
Train station	Torre	1.8 miles
Hospital	Brixham Hospital	5.3 miles
Hospital	Dawlish Community Hospital	8.0 miles

Street-level crime

Category	Count
Violence and sexual offences	92
Anti-social behaviour	27
Criminal damage and arson	17
Shoplifting	16
Other theft	14
Public order	14
Burglary	11
Drugs	6
Vehicle crime	6
Robbery	4
Theft from the person	4
Other crime	2
Possession of weapons	2
Bicycle theft	1
Total incidents	216

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
Ilsham Church of England Academy	Primary	0.1 miles	Good — 17 Jul 2014
Warberry CofE Academy	Primary	0.5 miles	Good — 24 Jan 2024
All Saints Babbacombe CofE Primary School	Primary	0.7 miles	Good — 31 Jan 2014
The Spires College	Secondary	1.0 miles	Good — 17 May 2017
Ellacombe Church of England Academy	Primary	1.0 miles	Good — 18 Jun 2024

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, Claire Court, TQ1	£1,050/mo	2	0.3 miles	OpenRent
2 Bed Flat, Babbacombe Road, TQ1	£975/mo	2	0.42 miles	OpenRent
2 Bed Flat, Villa Borghese, TQ1	£1,275/mo	2	0.43 miles	OpenRent
2 Bed Flat, Trinity Mews, TQ1	£1,195/mo	2	0.78 miles	OpenRent
2 Bed Terraced House, Coastguard Cottages, TQ1	£1,495/mo	2	0.79 miles	OpenRent

Average rent: £1,198/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.6%

Max investor price (0.8%) £149,375

Target investor price (1%) £119,500

Gross yield 7.2%

Cost-to-rent ratio 13.9×

Monthly cashflow £263/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 5.4%

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).