Sold STC Terraced

964A

BRADFORD ROAD, BRADFORD, EAST BIERLEY, WEST YORKSHIRE BD4 6PB

3 beds 1 baths 753 sq ft Listed 23 Jul 2024 (-674d)

£185,000

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# 3 bedroom terraced house for sale (BD4 6PB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 964A, BRADFORD ROAD, BRADFORD, EAST BIERLEY, WEST YORKSHIRE BD4 6PB |
| Price | £185,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | B |
| Construction age | England and Wales: 1976-1982 |
| Floor area | 70 m² |
| Last sold | £187,000 Oct 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Current heating cost:** £370/year
- **Est. upgrade cost to C:** £10,500

### Recommendations
- W1 (£800 - £1,200)
- 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/9160-2835-7505-9121-4165)

## Description

**** **** Barkers have pleasure in offering For Sale this three bedroom mid townhouse with the benefit of gas central heating, uPVC double glazing and a security alarm system. Conveniently situated close to the amenities in Birkenshaw village and within easy reach of bus routes and the M62 motorway network.  The accommodation briefly comprises: Entrance porch, entrance hall, lounge, cloaks/WC, modern dining kitchen, three bedrooms and modern bathroom.  Externally there are gardens front and rear and also a separate garage.

**ENTRANCE** **PORCH** **** A uPVC external door leads into the entrance porch which has a door to the entrance hall.

**ENTRANCE** **HALL** **** With a staircase leading to the first floor landing and a door leads to the lounge.

**LOUNGE** **13' 1" x 15' 1" (3.99m x 4.6m)** Light and airy spacious room with doors leading into the cloaks/WC and dining kitchen.

**DOWNSTAIRS** **CLOAKS/WC** **** Fitted with a two piece white suite which comprises a low flush WC, pedestal hand wash basin.

**DINING** **KITCHEN** **16' 5" x 7' 10" (5m x 2.39m)** Fitted with a range of modern grey gloss fronted wall and base units with complementary work surfaces with matching upstands and an inset sink with mixer tap.  Electric oven and gas hob with a chimney style extractor hood over and a range of integrated appliances, including a fridge freezer, dishwasher and washing machine.  Spotlights to the ceiling.  Laminate flooring.  Double French doors leading to the rear garden.

**FIRST** **FLOOR** **LANDING** **** Doors lead to three bedrooms and house bathroom.  Loft access point.

**BEDROOM** **ONE** **9' 6" x 12' 6" (2.9m x 3.81m)** Double room.

**BEDROOM** **TWO** **9' 6" x 10' 6" (2.9m x 3.2m)** Double room.

**BEDROOM** **THREE** **6' 11" x 9' 6" (2.11m x 2.9m)** Single bedroom with built-in storage cupboard.

**HOUSE** **BATHROOM** **** Fitted with a modern white three piece suite comprising low flush WC, pedestal hand wash basin, P-shaped bath with shower over with rainwater shower head and glass screen.  Part tiled walls.  Ceiling spotlights.

**EXTERIOR** **** Externally the property has an enclosed pebbled garden to the front and an enclosed tiered garden to the rear, which offers a high degree of privacy.  There is a paved patio ideal for outside entertaining with pebbled and lawned areas.  There is a garage adjacent to the property (block of three, far right).

**DIRECTIONS** **** **** From our Birkenshaw office head north west on Old Lane towards Woodlands Fold then turn left onto Town Street then turn right onto Bradford Road/A651 where the property will be located on the right.

**ADDITIONAL** **INFORMATION** **** Tenure: Freehold

Council Tax Band: B

## Property Photos

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## Floorplans

- ![Floorplan 1](/listings/photos/150550805/498133) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/150550805/498135) - EPC 1

## FENSA Certificates

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

### FENSA Certificate #15158584
- **Address:** 964a Bradford Road, East Bierley, BD4 6PB
- **Certificate Issued:** 17/04/2022
- **Work Completed:** 04/04/2022
- **Items:** 6 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 964A BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £187,000 | 11/10/2024 | Terraced |
| 964A BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £143,000 | 11/09/2020 | Terraced |
| 964A BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £77,000 | 07/08/2019 | 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 |
|---------|-------|------|------|
| 46 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH | £135,000 | 19/12/2025 | Terraced |
| [Same street] 982 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £228,000 | 23/11/2023 | Detached |
| [Same street] 970 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £227,500 | 09/10/2023 | Terraced |
| MOORBANK 3 NORTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6NS | £240,500 | 30/06/2023 | Terraced |
| [Same street] 1018 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £340,000 | 16/12/2022 | Semi-detached |
| [Same street] 992 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £242,500 | 15/12/2022 | Semi-detached |
| [Same street] 988 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £246,000 | 15/12/2022 | Detached |
| [Same street] 950 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB | £293,152 | 07/10/2022 | Terraced |
| 48 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH | £160,000 | 07/10/2022 | Terraced |
| 900 BRADFORD ROAD, BIRKENSHAW, BRADFORD, WAKEFIELD, WEST YORKSHIRE, BD11 2BE | £115,000 | 23/09/2022 | Terraced |
| 5 WESTGATE TERRACE, BRADFORD, WEST YORKSHIRE, BD4 0SR | £100,000 | 11/02/2022 | Terraced |
| 26 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH | £135,000 | 29/10/2021 | Terraced |
| 38 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH | £130,000 | 22/09/2021 | Terraced |
| 3 MOOR VIEW, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6NT | £152,000 | 07/06/2021 | Terraced |

**Street average:** £262,859 (6 sales)
**Area average:** £145,938 (8 sales)

## Price vs local average

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

- **Local average:** £116,581 (37 Terraced, BD4, 2024–2026)
- **Deviation:** +58.7%

## Rental Range

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

- **Low:** £690/mo
- **Realistic:** £767/mo
- **Optimistic:** £844/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £633/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, Booth Holme Close, BD4 | £1,350/mo | 3 | 0.4 miles | OpenRent |
| 3 Bed Terraced House, Bradford Road, BD11 | £875/mo | 3 | 0.41 miles | OpenRent |
| 3 Bed Semi-Detached House, Hunsworth Lane, BD4 | £990/mo | 3 | 0.58 miles | OpenRent |
| 3 Bed Semi-Detached House, Landscove Avenue, BD4 | £850/mo | 3 | 0.73 miles | OpenRent |
| 3 Bed Semi-Detached House, Bradford, BD4 | £850/mo | 3 | 0.73 miles | OpenRent |
| 3 Bed Semi-Detached House, Landscove Avenue, BD4 | £900/mo | 3 | 0.75 miles | OpenRent |
| 3 Bed Terraced House, Bradford Road, BD11 | £1,000/mo | 3 | 0.77 miles | OpenRent |
| 3 Bed Detached House, Holme Bank Close, BD4 | £450/mo | 3 | 0.86 miles | OpenRent |
| 3 Bed Semi-Detached House, St. Margarets Avenue, BD4 | £950/mo | 3 | 0.97 miles | OpenRent |
| 3 Bed Terraced House, Dawson Lane, BD4 | £800/mo | 3 | 1.05 miles | OpenRent |
| 3 Bed Semi-Detached House, Fieldhurst Court, BD4 | £1,150/mo | 3 | 1.19 miles | OpenRent |

**Average rent: £924/mo (11 listings)**

## 1% Rule

- **Rent ratio:** 0.49% (weak for cashflow)
- **Max investor price (0.8%):** £112,500
- **Target investor price (1%):** £90,000

*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 £900/mo).*

- **Gross yield:** 5.8%
- **Cost-to-rent:** 17.1×
- **Monthly cashflow:** £56/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.3%

*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:** £2,643/m²

## Capital growth trend

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

- **5y growth:** 80.3%
- **10y growth:** 49.9%

## House Price Index (HM Land Registry)

*Official index for Kirklees; Terraced series; as of February 2026.*

- **1y growth (index):** 3.4%
- **5y growth (index):** 26.5%
- **10y growth (index):** 56%

## 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

FREEHOLD

Floor area

70 m²

Council tax band

EPC rating

Year built

England and Wales: 1976-1982

Last sold

£187,000 Oct 2024

Price per m²

£2,643/m²

Local average

£116,581 (+58.7%)

Deprivation

Decile 7 (23,111 of 33,755)

Street crime

173 incidents within 1 mile (Mar 2026)

Key features

MID TERRACE PROPERTY
THREE BEDROOMS
LOUNGE
DINING KITCHEN
GROUND FLOOR WC
CENTRAL HEATING
DOUBLE GLAZING
GARDENS FRONT & REAR
SEPARATE GARAGE

Additional details

Heating: Gas central
Parking: Garage
Garden: Yes

Description

** Barkers have pleasure in offering For Sale this three bedroom mid townhouse with the benefit of gas central heating, uPVC double glazing and a security alarm system. Conveniently situated close to the amenities in Birkenshaw village and within easy reach of bus routes and the M62 motorway network. The accommodation briefly comprises: Entrance porch, entrance hall, lounge, cloaks/WC, modern dining kitchen, three bedrooms and modern bathroom. Externally there are gardens front and rear and also a separate garage.

ENTRANCE PORCH A uPVC external door leads into the entrance porch which has a door to the entrance hall.

ENTRANCE HALL With a staircase leading to the first floor landing and a door leads to the lounge.

LOUNGE 13' 1" x 15' 1" (3.99m x 4.6m) Light and airy spacious room with doors leading into the cloaks/WC and dining kitchen.

DOWNSTAIRS CLOAKS/WC Fitted with a two piece white suite which comprises a low flush WC, pedestal hand wash basin.

DINING KITCHEN 16' 5" x 7' 10" (5m x 2.39m) Fitted with a range of modern grey gloss fronted wall and base units with complementary work surfaces with matching upstands and an inset sink with mixer tap. Electric oven and gas hob with a chimney style extractor hood over and a range of integrated appliances, including a fridge freezer, dishwasher and washing machine. Spotlights to the ceiling. Laminate flooring. Double French doors leading to the rear garden.

FIRST FLOOR LANDING Doors lead to three bedrooms and house bathroom. Loft access point.

BEDROOM ONE 9' 6" x 12' 6" (2.9m x 3.81m) Double room.

BEDROOM TWO 9' 6" x 10' 6" (2.9m x 3.2m) Double room.

BEDROOM THREE 6' 11" x 9' 6" (2.11m x 2.9m) Single bedroom with built-in storage cupboard.

HOUSE BATHROOM Fitted with a modern white three piece suite comprising low flush WC, pedestal hand wash basin, P-shaped bath with shower over with rainwater shower head and glass screen. Part tiled walls. Ceiling spotlights.

EXTERIOR Externally the property has an enclosed pebbled garden to the front and an enclosed tiered garden to the rear, which offers a high degree of privacy. There is a paved patio ideal for outside entertaining with pebbled and lawned areas. There is a garage adjacent to the property (block of three, far right).

DIRECTIONS From our Birkenshaw office head north west on Old Lane towards Woodlands Fold then turn left onto Town Street then turn right onto Bradford Road/A651 where the property will be located on the right.

ADDITIONAL INFORMATION ** Tenure: Freehold
Council Tax Band: B

Listed by

Birkenshaw

Barkers Estate Agents

Reference: 150550805

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 25/10/2019

Current heating cost: £370/year

Potential heating cost: £346/year

Est. upgrade cost to C: £10,500

Recommendations

Floor insulation (suspended floor) (£800 - £1,200)
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

Floorplan 1

EPC Graphs

EPC 1

FENSA Certificates

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

FENSA Certificate #15158584 Recent

Property Details

Street: 964a Bradford Road

Town: East Bierley

Postcode: BD4 6PB

Installation Details

Items: 6 windows and 1 door

Certificate Issued: 17/04/2022

Work Completed: 04/04/2022

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

143% since 2019

Event	Date	Price	% change
Sold	11/10/2024 (1 year ago)	£187,000	+30.8%
Sold	11/09/2020 (5 years ago)	£143,000	+85.7%
Sold	07/08/2019 (6 years ago)	£77,000	—

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
46 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH	£135,000	19/12/2025	Terraced
Same street 982 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB	£228,000	23/11/2023	Detached
Same street 970 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB	£227,500	09/10/2023	Terraced
MOORBANK 3 NORTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6NS	£240,500	30/06/2023	Terraced
Same street 1018 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB	£340,000	16/12/2022	Semi-detached
Same street 992 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB	£242,500	15/12/2022	Semi-detached
Same street 988 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB	£246,000	15/12/2022	Detached
Same street 950 BRADFORD ROAD, EAST BIERLEY, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PB	£293,152	07/10/2022	Terraced
48 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH	£160,000	07/10/2022	Terraced
900 BRADFORD ROAD, BIRKENSHAW, BRADFORD, WAKEFIELD, WEST YORKSHIRE, BD11 2BE	£115,000	23/09/2022	Terraced
5 WESTGATE TERRACE, BRADFORD, WEST YORKSHIRE, BD4 0SR	£100,000	11/02/2022	Terraced
26 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH	£135,000	29/10/2021	Terraced
38 SOUTH VIEW ROAD, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6PH	£130,000	22/09/2021	Terraced
3 MOOR VIEW, BRADFORD, KIRKLEES, WEST YORKSHIRE, BD4 6NT	£152,000	07/06/2021	Terraced

Street average: £262,859 (6 sales)

Area average: £145,938 (8 sales)

Capital growth trend

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

5y growth 80.3%

10y growth 49.9%

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

1y (index) 3.4%

5y (index) 26.5%

10y (index) 56%

Rental Range

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

Low £690/mo

Realistic £767/mo

Optimistic £844/mo

Based on Local Authority from postcode lookup → Kirklees.

LHA (30th percentile) floor for Bradford & South Dales: £633/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View BD4 6PB

Nearby

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

Type	Name	Distance
Bus stop	Bradford Road	0.1 miles
Bus stop	Westgate Hill Street Bradford Road	0.1 miles
Shop	Morrisons Daily	0.3 miles
Shop	Elspeth Rose Beauty Saloon	0.3 miles
Train station	Low Moor	2.3 miles
Train station	Bradford Interchange	2.8 miles
Hospital	Eccleshill NHS Treatment Centre	4.3 miles
Hospital	Sir Karl Cohen Square	4.9 miles
University	Bradford University School of Management	4.9 miles
University	Kirkstall Brewery Residences	5.2 miles

Street-level crime

Category	Count
Violence and sexual offences	72
Anti-social behaviour	17
Criminal damage and arson	13
Vehicle crime	13
Other theft	11
Burglary	10
Shoplifting	8
Drugs	7
Other crime	7
Possession of weapons	6
Public order	5
Bicycle theft	2
Robbery	2
Total incidents	173

Within 1 mile during Mar 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
Tong Leadership Academy	Secondary	0.2 miles	Good — 3 Dec 2023
East Bierley Church of England Voluntary Controlled Primary School	Primary	0.3 miles	Requires improvement — 16 Oct 2023
Birkenshaw Church of England Voluntary Controlled Primary School	Primary	0.6 miles	Good — 11 Jan 2017
Ryecroft Primary Academy	Primary	0.8 miles	Good — 5 Mar 2019
St John's CofE Primary School	Primary	0.9 miles	Outstanding — 11 Jan 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
3 Bed Semi-Detached House, Booth Holme Close, BD4	£1,350/mo	3	0.4 miles	OpenRent
3 Bed Terraced House, Bradford Road, BD11	£875/mo	3	0.41 miles	OpenRent
3 Bed Semi-Detached House, Hunsworth Lane, BD4	£990/mo	3	0.58 miles	OpenRent
3 Bed Semi-Detached House, Landscove Avenue, BD4	£850/mo	3	0.73 miles	OpenRent
3 Bed Semi-Detached House, Bradford, BD4	£850/mo	3	0.73 miles	OpenRent
3 Bed Semi-Detached House, Landscove Avenue, BD4	£900/mo	3	0.75 miles	OpenRent
3 Bed Terraced House, Bradford Road, BD11	£1,000/mo	3	0.77 miles	OpenRent
3 Bed Detached House, Holme Bank Close, BD4	£450/mo	3	0.86 miles	OpenRent
3 Bed Semi-Detached House, St. Margarets Avenue, BD4	£950/mo	3	0.97 miles	OpenRent
3 Bed Terraced House, Dawson Lane, BD4	£800/mo	3	1.05 miles	OpenRent
3 Bed Semi-Detached House, Fieldhurst Court, BD4	£1,150/mo	3	1.19 miles	OpenRent

Average rent: £924/mo (11 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 4.3% gross yield avg £252,022 sale, £901/mo rent

Rent ratio 0.49%

Max investor price (0.8%) £112,500

Target investor price (1%) £90,000

Gross yield 5.8%

Cost-to-rent ratio 17.1×

Monthly cashflow £56/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 1.3%

This street — Gross yield for this street only (Land Registry sales + rental comparables, same postcode + street).
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).