Sold STC End of terrace

96 ROTHWELL GARDENS

WARRINGTON, GOLBORNE, GREATER MANCHESTER WA3 3YH

3 beds 3 baths 861 sq ft Listed 15 Jan 2025 (-511d)

£250,000

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# 3 bedroom end of terrace house for sale (WA3 3YH)

## Property Details

| Key | Value |
|-----|-------|
| Address | 96 ROTHWELL GARDENS, WARRINGTON, GOLBORNE, GREATER MANCHESTER WA3 3YH |
| Price | £250,000 |
| Bedrooms | 3 |
| Bathrooms | 3 |
| Council tax | TBC |
| Floor area | 80 m² |
| Last sold | £250,000 Sep 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Current heating cost:** £208/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/6732-6532-3000-0016-3292)

## Description

Beautifully presented three-bedroom end-terrace. Situated on the very highly sought after estate 'Rothwells Farm' With amazing transport links like the East Lancashire Road and both the M6 & M62 Motorways. Newton-Le-Willows train station is just 5 minutes away and you can park there all day free of charge. Highly regarded primary & secondary schools are within the area and you will have a vast array of local amenities with both Golborne & Newton High Streets nearby. In brief this property comprises of: Entrance hallway, large living room, downstairs W.C. bright kitchen/diner with integrated goods & patio doors leading onto the private rear garden. With this plot there is also plenty of land to the side and rea of the property giving potential for an extension, garage or conservatory. To the first floor there are three great-sized bedrooms, a family bathroom and the master boasts its own en-suite. This property is a real credit to its current owners, call now to arrange a viewing.

## Property Photos

- ![Front](/listings/photos/156886055/411903) - Front
- ![Living Room](/listings/photos/156886055/411904) - Living Room
- ![Living Room](/listings/photos/156886055/411905) - Living Room
- ![Kitchen](/listings/photos/156886055/411906) - Kitchen
- ![Kitchen](/listings/photos/156886055/411907) - Kitchen
- ![Rear](/listings/photos/156886055/411908) - Rear
- ![Rear](/listings/photos/156886055/411909) - Rear
- ![W.C.](/listings/photos/156886055/411910) - W.C.
- ![Bedroom One](/listings/photos/156886055/411911) - Bedroom One
- ![Bedroom One](/listings/photos/156886055/411912) - Bedroom One
- ![Bedroom One](/listings/photos/156886055/411913) - Bedroom One
- ![En Suite](/listings/photos/156886055/411914) - En Suite
- ![Bedroom Two](/listings/photos/156886055/411915) - Bedroom Two
- ![Bedroom Two](/listings/photos/156886055/411916) - Bedroom Two
- ![Bedroom Three](/listings/photos/156886055/411917) - Bedroom Three
- ![Bethroom](/listings/photos/156886055/411918) - Bethroom
- ![Front](/listings/photos/156886055/411919) - Front

## Floorplans

- ![FLOOR-PLAN](/listings/photos/156886055/411920) - FLOOR-PLAN

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/156886055/411921) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 96 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £250,000 | 01/09/2025 | Semi-detached |
| 96 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £220,995 | 18/03/2022 | Semi-detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 59 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP | £137,000 | 21/11/2025 | Terraced |
| [Same street] 10 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £308,995 | 27/06/2025 | Detached |
| [Same street] 8 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £295,995 | 27/06/2025 | Semi-detached |
| [Same street] 58 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £271,995 | 21/12/2023 | Semi-detached |
| [Same street] 56 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £375,995 | 17/11/2023 | Detached |
| [Same street] 60 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £281,995 | 03/11/2023 | Semi-detached |
| 15 MAY STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TU | £91,500 | 19/07/2023 | Terraced |
| 15 LOWTON ROAD, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3EG | £105,000 | 15/03/2023 | Terraced |
| [Same street] 84 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £258,995 | 23/12/2022 | Semi-detached |
| [Same street] 90 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £333,995 | 23/12/2022 | Detached |
| [Same street] 86 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £277,995 | 23/12/2022 | Semi-detached |
| [Same street] 88 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £265,995 | 22/12/2022 | Semi-detached |
| 13 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TL | £119,000 | 21/12/2022 | Terraced |
| 98 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW | £120,000 | 20/12/2022 | Terraced |
| 37 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP | £125,000 | 19/12/2022 | Terraced |
| [Same street] 94 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £254,995 | 16/12/2022 | Semi-detached |
| [Same street] 92 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £255,995 | 16/12/2022 | Semi-detached |
| 59 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP | £90,000 | 16/12/2022 | Terraced |
| 31 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TL | £116,000 | 18/11/2022 | Terraced |
| 118 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW | £70,000 | 16/11/2022 | Terraced |
| 108 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW | £85,000 | 20/07/2022 | Terraced |
| 7 CHURCH GREEN GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TE | £265,000 | 14/07/2022 | Terraced |
| 17 MAY STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TU | £100,000 | 30/06/2022 | Terraced |
| [Same street] 98 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £215,995 | 18/03/2022 | Terraced |
| [Same street] 100 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £238,995 | 18/03/2022 | Semi-detached |
| [Same street] 104 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £214,995 | 11/03/2022 | Semi-detached |
| [Same street] 106 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH | £218,995 | 11/03/2022 | Semi-detached |
| 67 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP | £125,000 | 01/09/2021 | Terraced |
| 118 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW | £75,000 | 18/07/2021 | Terraced |
| 9 CHURCH GREEN GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TE | £101,500 | 16/07/2021 | Terraced |
| 31 WIGAN ROAD, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TZ | £117,000 | 18/06/2021 | Terraced |

**Street average:** £271,462 (15 sales)
**Area average:** £115,125 (16 sales)

## Price vs local average

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

- **Local average:** £172,681 (26 Terraced, WA3, 2024–2026)
- **Deviation:** +44.8%

## Rental Range

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

- **Low:** £663/mo
- **Realistic:** £737/mo
- **Optimistic:** £811/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £593/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, Sycamore Avenue, WA3 | £845/mo | 3 | 0.42 miles | OpenRent |
| 3 Bed Semi-Detached House, Elm Avenue, WA3 | £850/mo | 3 | 0.43 miles | OpenRent |
| 3 Bed Terraced House, Elm Avenue, WA3 | £895/mo | 3 | 0.44 miles | OpenRent |
| 3 Bed Terraced House, Lilac Road, WA3 | £850/mo | 3 | 0.45 miles | OpenRent |
| 3 Bed Terraced House, Elm Avenue, WA3 | £850/mo | 3 | 0.46 miles | OpenRent |

**Average rent: £858/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.34% (weak for cashflow)
- **Max investor price (0.8%):** £106,250
- **Target investor price (1%):** £85,000

*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 £850/mo).*

- **Gross yield:** 4.1%
- **Cost-to-rent:** 24.5×
- **Monthly cashflow:** £-245/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -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:** £3,125/m²

## Capital growth trend

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

- **5y growth:** 4.9%
- **10y growth:** 59.6%

## House Price Index (HM Land Registry)

*Official index for Wigan; Terraced series; as of March 2026.*

- **1y growth (index):** -0.6%
- **5y growth (index):** 28.9%
- **10y growth (index):** 69.8%

## 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 Living Room Kitchen Kitchen Rear Rear W.C. Bedroom One Bedroom One Bedroom One En Suite Bedroom Two Bedroom Two Bedroom Three Bethroom Front

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Property details

Tenure

FREEHOLD

Floor area

80 m²

Council tax band

TBC

EPC rating

Last sold

£250,000 Sep 2025

Price per m²

£3,125/m²

Local average

£172,681 (+44.8%)

Deprivation

Decile 4 (11,664 of 33,755)

Street crime

1 incident within 1 mile (Apr 2026)

Key features

Three-Bedroom
Large Plot
Double Driveway
Freehold

Additional details

Parking: Yes
Garden: Yes

Description

Listed by

Newton-le-Willows

Countrywide UK Sales - Connells

Reference: 156886055

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: A

Inspection date: 16/02/2022

Current heating cost: £208/year

Potential heating cost: £208/year

Est. upgrade cost to C: £9,500

Recommendations

Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

FLOOR-PLAN

EPC Graphs

EPC Rating Graph

Price history

13% since 2022

Event	Date	Price	% change
Sold	01/09/2025 (9 months ago)	£250,000	+13.1%
Sold	18/03/2022 (4 years ago)	£220,995	—

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
59 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP	£137,000	21/11/2025	Terraced
Same street 10 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£308,995	27/06/2025	Detached
Same street 8 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£295,995	27/06/2025	Semi-detached
Same street 58 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£271,995	21/12/2023	Semi-detached
Same street 56 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£375,995	17/11/2023	Detached
Same street 60 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£281,995	03/11/2023	Semi-detached
15 MAY STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TU	£91,500	19/07/2023	Terraced
15 LOWTON ROAD, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3EG	£105,000	15/03/2023	Terraced
Same street 84 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£258,995	23/12/2022	Semi-detached
Same street 90 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£333,995	23/12/2022	Detached
Same street 86 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£277,995	23/12/2022	Semi-detached
Same street 88 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£265,995	22/12/2022	Semi-detached
13 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TL	£119,000	21/12/2022	Terraced
98 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW	£120,000	20/12/2022	Terraced
37 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP	£125,000	19/12/2022	Terraced
Same street 94 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£254,995	16/12/2022	Semi-detached
Same street 92 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£255,995	16/12/2022	Semi-detached
59 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP	£90,000	16/12/2022	Terraced
31 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TL	£116,000	18/11/2022	Terraced
118 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW	£70,000	16/11/2022	Terraced
108 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW	£85,000	20/07/2022	Terraced
7 CHURCH GREEN GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TE	£265,000	14/07/2022	Terraced
17 MAY STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TU	£100,000	30/06/2022	Terraced
Same street 98 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£215,995	18/03/2022	Terraced
Same street 100 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£238,995	18/03/2022	Semi-detached
Same street 104 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£214,995	11/03/2022	Semi-detached
Same street 106 ROTHWELL GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3YH	£218,995	11/03/2022	Semi-detached
67 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TP	£125,000	01/09/2021	Terraced
118 CHURCH STREET, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TW	£75,000	18/07/2021	Terraced
9 CHURCH GREEN GARDENS, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TE	£101,500	16/07/2021	Terraced
31 WIGAN ROAD, GOLBORNE, WARRINGTON, WIGAN, GREATER MANCHESTER, WA3 3TZ	£117,000	18/06/2021	Terraced

Street average: £271,462 (15 sales)

Area average: £115,125 (16 sales)

Capital growth trend

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

5y growth 4.9%

10y growth 59.6%

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

1y (index) -0.6%

5y (index) 28.9%

10y (index) 69.8%

Rental Range

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

Low £663/mo

Realistic £737/mo

Optimistic £811/mo

Based on Local Authority from postcode lookup → Wigan.

LHA (30th percentile) floor for East Lancs: £593/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View WA3 3YH

Nearby

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

Type	Name	Distance
Shop	Lowton Motor Company	0.1 miles
Bus stop	Wigan Road/Red Lion	0.1 miles
Bus stop	Lowton Road/Church Street	0.1 miles
Shop	Hooton's	0.2 miles
Train station	Newton-le-Willows	2.3 miles
Train station	Bryn	2.6 miles
Hospital	NHS Atherleigh Park	3.1 miles
Hospital	Newton Community Hospital	3.1 miles
University	University of Chester - Warrington Campus	5.0 miles
University	University of Greater Manchester	8.9 miles

Street-level crime

Category	Count
Other theft	1
Total incidents	1

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
Golborne High School	Secondary	0.3 miles	Outstanding — 8 Mar 2023
St Thomas CofE Junior and Infant School	Primary	0.3 miles	Good — 16 Mar 2020
All Saints Catholic Primary School, Golborne, Wigan	Primary	0.5 miles	Outstanding — 4 Mar 2019
Golborne Community Primary School	Primary	0.6 miles	Good — 30 Mar 2023
Lowton West Primary School	Primary	0.7 miles	Good — 20 May 2013

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, Sycamore Avenue, WA3	£845/mo	3	0.42 miles	OpenRent
3 Bed Semi-Detached House, Elm Avenue, WA3	£850/mo	3	0.43 miles	OpenRent
3 Bed Terraced House, Elm Avenue, WA3	£895/mo	3	0.44 miles	OpenRent
3 Bed Terraced House, Lilac Road, WA3	£850/mo	3	0.45 miles	OpenRent
3 Bed Terraced House, Elm Avenue, WA3	£850/mo	3	0.46 miles	OpenRent

Average rent: £858/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.34%

Max investor price (0.8%) £106,250

Target investor price (1%) £85,000

Gross yield 4.1%

Cost-to-rent ratio 24.5×

Monthly cashflow £-245/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -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).