Sold STC Terraced

21 WAVENEY ROAD

ST IVES, CAMBRIDGESHIRE PE27 3FN

3 beds 1 baths 67 m² Listed 24 May 2022 (-1519d)

£270,000

Guide Price

Save

# 3 bedroom terraced house for sale (PE27 3FN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 21 WAVENEY ROAD, ST IVES, CAMBRIDGESHIRE PE27 3FN |
| Price | £270,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Last sold | £272,500 Nov 2022 |

## Description

**** **** Harvey Robinson estate agents in St Ives are delighted to offer for sale this well-presented three-bedroom mid-terraced property situation within the popular market town of St Ives. The accommodation in brief consists of an open-plan lounge/diner and kitchen to the ground floor. To the first floor there are three bedrooms and a family bathroom. Outside, the property has a beautifully presented private rear garden, enclosed by recently replaced fencing and including a shed, pergola, and built-in barbeque. Additionally, there is a single garage, an allocated off-road parking space and a well-maintained front garden. Within close proximity of the property there is a Co-op, a veterinary surgery, a hairdresser, take-away, pub/restaurant and a community centre. Please contact our St Ives office to arrange a viewing.

**LOCATION** **AND** **AMENITIES** **** St Ives is one of Cambridgeshire's best-loved towns. It has a huge amount to offer homebuyers, including a scenic riverside location and great local amenities.

One of St Ives' biggest draws is its proximity to Cambridge, the A1309 is just two miles from the property and provides easy access into the centre of Cambridge in approximately 20 minutes, in addition the St. Ives Park & Ride terminal is only a five minute drive away. You'll find plenty of shops in St Ives, along with some great independent stores and cafes, which make shopping a real pleasure. The pubs are also highly rated by residents, and you'll find plenty of great restaurants in the area.

The nearest station is at Huntingdon, which is just a fifteen-minute drive away. From here, you can catch a train to London Kings Cross, which takes just over an hour. A popular primary and secondary school can be found close by.

**FAQ** **** Property Built: 1980's

Council Tax: B

Vendors Onward Movements: Upsizing

Garden Aspect: South

Water Meter: Yes

School Catchments: Wheatfields and St. Ivo

Loft Boarded: No

Rental Value: Approximately £995 pcm

Please note we have not tested any apparatus, fixtures, fittings, or services. Interested parties must undertake their own investigation into the working order of these items. All measurements are approximate, and photographs provided for guidance only.

Need to sell your property? Please contact us to arrange your free, no obligation Market Appraisal.

For independent whole of market mortgage advice please call the team to book your appointment.

View all our properties at harveyrobinson.co.uk

## Property Photos

- ![Photo](/listings/photos/96591961/1360462)
- ![Photo](/listings/photos/96591961/1360463)
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## Floorplans

- ![Floorplan 1](/listings/photos/96591961/1360509) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/96591961/1360512) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 21 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £272,500 | 11/11/2022 | Terraced |
| 21 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £211,000 | 11/05/2017 | Terraced |
| 21 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £143,250 | 06/05/2011 | 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 |
|---------|-------|------|------|
| [Same street] 87 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £160,000 | 16/07/2025 | Terraced |
| [Same street] 35 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £250,000 | 02/06/2025 | Terraced |
| 4 HOGARTH CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HJ | £260,000 | 21/05/2025 | Terraced |
| [Same street] 109 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £178,000 | 12/05/2025 | Semi-detached |
| [Same street] 31 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £315,000 | 03/04/2025 | Terraced |
| [Same street] 117 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £202,000 | 30/09/2024 | Terraced |
| [Same street] 57 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £260,000 | 04/01/2024 | Terraced |
| 15 NENE WAY, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FJ | £260,000 | 21/11/2023 | Terraced |
| [Same street] 163 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £257,500 | 28/07/2023 | Terraced |
| [Same street] 139 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £215,000 | 05/04/2023 | Terraced |
| [Same street] 127 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £160,000 | 16/01/2023 | Terraced |
| 6 HOGARTH CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HJ | £301,750 | 14/12/2022 | Terraced |
| [Same street] 101 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £107,250 | 13/12/2022 | Flat |
| 7 DEGAS DRIVE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3ED | £217,000 | 07/10/2022 | Terraced |
| 19 WITHAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3DY | £235,000 | 05/10/2022 | Terraced |
| 50 WELLAND CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FL | £163,000 | 22/07/2022 | Terraced |
| 54 WELLAND CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FL | £200,000 | 24/06/2022 | Terraced |
| 2 HOGARTH CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HJ | £290,000 | 11/05/2022 | Terraced |
| 69 NENE WAY, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3WT | £185,000 | 04/04/2022 | Terraced |
| 31 CAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FG | £215,000 | 03/03/2022 | Terraced |
| 11 CAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FG | £230,000 | 01/02/2022 | Terraced |
| [Same street] 135 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £195,000 | 14/01/2022 | Terraced |
| 15 GAINSBOROUGH DRIVE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HH | £215,000 | 06/01/2022 | Terraced |
| 17 GAINSBOROUGH DRIVE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HH | £200,000 | 29/11/2021 | Terraced |
| [Same street] 5 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £335,000 | 24/11/2021 | Semi-detached |
| [Same street] 125 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £195,000 | 19/11/2021 | Terraced |
| [Same street] 87 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £145,000 | 12/11/2021 | Terraced |
| [Same street] 1 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN | £325,000 | 29/10/2021 | Semi-detached |
| 22 OUSE ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FT | £267,500 | 29/10/2021 | Terraced |
| 2 WITHAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3DY | £183,000 | 24/09/2021 | Terraced |

**Street average:** £219,983 (15 sales)
**Area average:** £228,150 (15 sales)

## Price vs local average

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

- **Local average:** £279,682 (22 Terraced, PE27, 2024–2026)
- **Deviation:** -3.5%

## Rental Range

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

- **Low:** £942/mo
- **Realistic:** £1,047/mo
- **Optimistic:** £1,152/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £947/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 End Terrace, Orwell Close, PE27 | £1,350/mo | 3 | 0.19 miles | OpenRent |
| 3 Bed End Terrace, Ilex Road, PE27 | £1,400/mo | 3 | 0.31 miles | OpenRent |
| 3 Bed Semi-Detached House, Burstellars, PE27 | £1,600/mo | 3 | 0.36 miles | OpenRent |
| 3 Bed Semi-Detached House, The Pound, PE27 | £1,500/mo | 3 | 0.56 miles | OpenRent |

**Average rent: £1,463/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.54% (weak for cashflow)
- **Max investor price (0.8%):** £181,250
- **Target investor price (1%):** £145,000

*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 £1,450/mo).*

- **Gross yield:** 6.4%
- **Cost-to-rent:** 15.5×
- **Monthly cashflow:** £217/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 3.3%

*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).*

## Capital growth trend

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

- **5y growth:** 2.2%
- **10y growth:** -3.8%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 4.7%
- **5y growth (index):** 16.1%
- **10y growth (index):** 40.9%

## 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

67 m²

Last sold

£272,500 Nov 2022

Local average

£279,682 (-3.5%)

Deprivation

Decile 6 (20,049 of 33,755)

Street crime

102 incidents within 1 mile (May 2026)

Key features

Three Bedrooms
Mid Terraced Home
Open Plan Accommodation
South Facing Rear Garden
Single Garage and Allocated Off-road Parking
Sought-after Location
Well-presented Throughout
Close to Amenities

Additional details

Parking: Garage, Yes, Off street, Allocated
Garden: Yes

Description

** Harvey Robinson estate agents in St Ives are delighted to offer for sale this well-presented three-bedroom mid-terraced property situation within the popular market town of St Ives. The accommodation in brief consists of an open-plan lounge/diner and kitchen to the ground floor. To the first floor there are three bedrooms and a family bathroom. Outside, the property has a beautifully presented private rear garden, enclosed by recently replaced fencing and including a shed, pergola, and built-in barbeque. Additionally, there is a single garage, an allocated off-road parking space and a well-maintained front garden. Within close proximity of the property there is a Co-op, a veterinary surgery, a hairdresser, take-away, pub/restaurant and a community centre. Please contact our St Ives office to arrange a viewing.

LOCATION AND AMENITIES St Ives is one of Cambridgeshire's best-loved towns. It has a huge amount to offer homebuyers, including a scenic riverside location and great local amenities.
One of St Ives' biggest draws is its proximity to Cambridge, the A1309 is just two miles from the property and provides easy access into the centre of Cambridge in approximately 20 minutes, in addition the St. Ives Park & Ride terminal is only a five minute drive away. You'll find plenty of shops in St Ives, along with some great independent stores and cafes, which make shopping a real pleasure. The pubs are also highly rated by residents, and you'll find plenty of great restaurants in the area.
The nearest station is at Huntingdon, which is just a fifteen-minute drive away. From here, you can catch a train to London Kings Cross, which takes just over an hour. A popular primary and secondary school can be found close by.

FAQ ** Property Built: 1980's
Council Tax: B
Vendors Onward Movements: Upsizing
Garden Aspect: South
Water Meter: Yes
School Catchments: Wheatfields and St. Ivo
Loft Boarded: No
Rental Value: Approximately £995 pcm

Please note we have not tested any apparatus, fixtures, fittings, or services. Interested parties must undertake their own investigation into the working order of these items. All measurements are approximate, and photographs provided for guidance only.

Need to sell your property? Please contact us to arrange your free, no obligation Market Appraisal.

For independent whole of market mortgage advice please call the team to book your appointment.

View all our properties at harveyrobinson.co.uk

Listed by

St Ives

harveyrobinson

Reference: 96591961

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 1

Price history

90% since 2011

Event	Date	Price	% change
Sold	11/11/2022 (3 years ago)	£272,500	+29.1%
Sold	11/05/2017 (9 years ago)	£211,000	+47.3%
Sold	06/05/2011 (15 years ago)	£143,250	—

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
Same street 87 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£160,000	16/07/2025	Terraced
Same street 35 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£250,000	02/06/2025	Terraced
4 HOGARTH CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HJ	£260,000	21/05/2025	Terraced
Same street 109 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£178,000	12/05/2025	Semi-detached
Same street 31 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£315,000	03/04/2025	Terraced
Same street 117 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£202,000	30/09/2024	Terraced
Same street 57 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£260,000	04/01/2024	Terraced
15 NENE WAY, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FJ	£260,000	21/11/2023	Terraced
Same street 163 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£257,500	28/07/2023	Terraced
Same street 139 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£215,000	05/04/2023	Terraced
Same street 127 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£160,000	16/01/2023	Terraced
6 HOGARTH CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HJ	£301,750	14/12/2022	Terraced
Same street 101 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£107,250	13/12/2022	Flat
7 DEGAS DRIVE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3ED	£217,000	07/10/2022	Terraced
19 WITHAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3DY	£235,000	05/10/2022	Terraced
50 WELLAND CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FL	£163,000	22/07/2022	Terraced
54 WELLAND CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FL	£200,000	24/06/2022	Terraced
2 HOGARTH CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HJ	£290,000	11/05/2022	Terraced
69 NENE WAY, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3WT	£185,000	04/04/2022	Terraced
31 CAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FG	£215,000	03/03/2022	Terraced
11 CAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FG	£230,000	01/02/2022	Terraced
Same street 135 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£195,000	14/01/2022	Terraced
15 GAINSBOROUGH DRIVE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HH	£215,000	06/01/2022	Terraced
17 GAINSBOROUGH DRIVE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3HH	£200,000	29/11/2021	Terraced
Same street 5 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£335,000	24/11/2021	Semi-detached
Same street 125 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£195,000	19/11/2021	Terraced
Same street 87 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£145,000	12/11/2021	Terraced
Same street 1 WAVENEY ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FN	£325,000	29/10/2021	Semi-detached
22 OUSE ROAD, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3FT	£267,500	29/10/2021	Terraced
2 WITHAM CLOSE, ST IVES, HUNTINGDONSHIRE, CAMBRIDGESHIRE, PE27 3DY	£183,000	24/09/2021	Terraced

Street average: £219,983 (15 sales)

Area average: £228,150 (15 sales)

Capital growth trend

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

5y growth 2.2%

10y growth -3.8%

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

1y (index) 4.7%

5y (index) 16.1%

10y (index) 40.9%

Rental Range

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

Low £942/mo

Realistic £1,047/mo

Optimistic £1,152/mo

Based on Local Authority from postcode lookup → Huntingdonshire.

LHA (30th percentile) floor for Huntingdon: £947/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View PE27 3FN

Nearby

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

Type	Name	Distance
Bus stop	Waveney Road	0.1 miles
Shop	The Co-operative Food	0.2 miles
Shop	4Tek Remap Automotive	0.4 miles
Hospital	MS (Multiple Scelerosis) Therapy Centre	4.1 miles
Hospital	Linnea Cromwell Hospital	4.9 miles
Train station	Huntingdon	5.1 miles
University	Madingley Hall	9.3 miles
Train station	St Neots	10.6 miles

Street-level crime

Category	Count
Violence and sexual offences	47
Anti-social behaviour	17
Criminal damage and arson	9
Public order	6
Other theft	5
Shoplifting	5
Vehicle crime	4
Drugs	3
Burglary	2
Bicycle theft	1
Other crime	1
Possession of weapons	1
Theft from the person	1
Total incidents	102

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
Wheatfields Primary School	Primary	0.2 miles	— (Inspected (no overall grade))
Thorndown Primary School	Primary	0.7 miles	Good — 19 May 2017
Westfield Junior School	Primary	0.8 miles	Good — 5 Dec 2017
Eastfield Infant and Nursery School	Primary	0.8 miles	Good — 16 Oct 2019
St Ivo Academy	Secondary	0.9 miles	Good — 30 May 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 End Terrace, Orwell Close, PE27	£1,350/mo	3	0.19 miles	OpenRent
3 Bed End Terrace, Ilex Road, PE27	£1,400/mo	3	0.31 miles	OpenRent
3 Bed Semi-Detached House, Burstellars, PE27	£1,600/mo	3	0.36 miles	OpenRent
3 Bed Semi-Detached House, The Pound, PE27	£1,500/mo	3	0.56 miles	OpenRent

Average rent: £1,463/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.54%

Max investor price (0.8%) £181,250

Target investor price (1%) £145,000

Gross yield 6.4%

Cost-to-rent ratio 15.5×

Monthly cashflow £217/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 3.3%

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).