Let Terraced

23 SNEYD TERRACE

NEWCASTLE, STAFFORDSHIRE ST5 6JT

4 beds 1 baths 93 m² Listed 31 Mar 2025 (-439d)

£411 pcm

Reduced on 19 Jun 2025

Save

# 4 bedroom terraced house for rent (ST5 6JT)

## Property Details

| Key | Value |
|-----|-------|
| Address | 23 SNEYD TERRACE, NEWCASTLE, STAFFORDSHIRE ST5 6JT |
| Price | £411 pcm |
| Bedrooms | 4 |
| Bathrooms | 1 |
| Last sold | £38,000 Oct 2000 |

## Description

Nicholas Humphreys are pleased to offer this fantastic Four bedroom, one bathroom student house available for the 2026/2027 academic year.

EPC rating: D.

## Property Photos

- ![Photo](/listings/photos/160039799/10347)
- ![Photo](/listings/photos/160039799/10348)
- ![Photo](/listings/photos/160039799/10349)
- ![Photo](/listings/photos/160039799/10350)
- ![Photo](/listings/photos/160039799/10351)
- ![Photo](/listings/photos/160039799/10354)
- ![Photo](/listings/photos/160039799/10355)
- ![Photo](/listings/photos/160039799/10357)
- ![Photo](/listings/photos/160039799/10363)
- ![Photo](/listings/photos/160039799/10367)
- ![Photo](/listings/photos/160039799/10372)

## EPC Graphs

- ![EPC Certificate](/listings/photos/160039799/10375) - EPC Certificate

## FENSA Certificates

This property has 3 FENSA certificate(s) on record.

### FENSA Certificate #1697299
- **Address:** 23 Sneyd Terrace, Newcastle, ST5 6JT
- **Certificate Issued:** 17/05/2004
- **Work Completed:** 22/04/2004
- **Items:** 1 door(s)

### FENSA Certificate #9629235
- **Address:** 23 Sneyd Terrace, Newcastle, ST5 6JT
- **Certificate Issued:** 24/06/2013
- **Work Completed:** 14/06/2013
- **Items:** 6 window(s)

### FENSA Certificate #1511359
- **Address:** 23 Sneyd Terrace, Newcastle, ST5 6JT
- **Certificate Issued:** 23/02/2004
- **Work Completed:** 30/01/2004
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 23 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £94,500 | 03/11/2017 | Terraced |
| 23 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £38,000 | 27/10/2000 | Terraced |
| 23 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £31,000 | 14/05/1999 | 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 |
|---------|-------|------|------|
| 116 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JH | £145,000 | 20/11/2025 | Terraced |
| 132 SUTTON AVENUE, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6TB | £225,000 | 22/07/2025 | Terraced |
| 34 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £111,000 | 12/05/2025 | Terraced |
| 26 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £140,000 | 27/09/2024 | Terraced |
| 4 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £70,000 | 04/09/2024 | Terraced |
| 34 VALE STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6QB | £175,000 | 01/12/2023 | Terraced |
| 47 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £145,000 | 27/10/2023 | Terraced |
| 14 MADELEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LS | £50,000 | 10/08/2023 | Terraced |
| 27 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £85,500 | 01/08/2023 | Terraced |
| 118 SUTTON AVENUE, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6TB | £202,000 | 31/07/2023 | Terraced |
| 133 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £128,000 | 26/07/2023 | Terraced |
| 18 FORD STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LT | £81,000 | 07/07/2023 | Terraced |
| 8 PARK ROAD, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LL | £132,000 | 02/06/2023 | Terraced |
| 91 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £110,000 | 02/06/2023 | Terraced |
| 49 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £140,000 | 27/03/2023 | Terraced |
| 18 SILVERDALE SIDINGS, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JF | £140,000 | 20/03/2023 | Terraced |
| 7 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £130,000 | 10/02/2023 | Terraced |
| 99A CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £110,000 | 09/11/2022 | Terraced |
| [Same street] 12 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £143,000 | 28/10/2022 | Terraced |
| [Same street] 30 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £160,000 | 28/10/2022 | Other |
| 37 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL | £128,000 | 28/10/2022 | Terraced |
| 85 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ | £104,000 | 21/10/2022 | Terraced |
| [Same street] 17 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £164,000 | 12/08/2022 | Other |
| [Same street] 37 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT | £125,000 | 01/07/2022 | Terraced |

**Street average:** £148,000 (4 sales)
**Area average:** £127,575 (20 sales)

## Price vs local average

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

- **Local average:** £144,587 (105 Terraced, ST5, 2024–2026)
- **Deviation:** -99.7%

## Rental Range

*ONS Price Index of Private Rents (Newcastle-under-Lyme). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £743/mo
- **Realistic:** £825/mo
- **Optimistic:** £908/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £798/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 |
|------|------|------|------|------|
| [Ground Floor Shop, 113 High Street, Silverdale, ST6 6LX](http://87.117.209.195:8080/listings/d1263f1) | £450/mo | — | 0.21 miles | Rightmove |
| [Snowgoose Way, Newcastle](http://87.117.209.195:8080/listings/054fe3a) | £1,700/mo | 4 | 1.23 miles | Rightmove |
| [9 Rothesay Court, Rothesay Av, Westlands, ST5 2LX](http://87.117.209.195:8080/listings/8dbfc26) | £210/mo | — | 1.39 miles | Rightmove |
| [Car Park Lymedale Cross Industrial Estate, Newcastle Under Lyme ST5](http://87.117.209.195:8080/listings/bced143) | £1/mo | — | 1.52 miles | Rightmove |
| [London Road, Chesterton, Newcastle](http://87.117.209.195:8080/listings/9c2e45c) | £1,200/mo | 4 | 1.79 miles | Rightmove |
| [Dimsdale Hall Drive, Wolstanton, Newcastle-under-Lyme](http://87.117.209.195:8080/listings/7e74bbb) | £1,750/mo | 4 | 1.98 miles | Rightmove |
| [Modern Studio In Newcastle-Under-Lyme, Newcastle-Under-Lyme, ST5](http://87.117.209.195:8080/listings/8659b7d) | £560/mo | — | 1.98 miles | Rightmove |
| [Valley View, Newcastle, ST5](http://87.117.209.195:8080/listings/690e570) | £1,300/mo | 4 | 2.29 miles | Rightmove |
| [The Coach House, Butterton, Newcastle Under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/9c3c8f4) | £4,995/mo | 4 | 2.67 miles | Rightmove |
| [Enstone Court, Westbury Park, Newcastle Under Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/2cb6c64) | £1,295/mo | 4 | 2.86 miles | Rightmove |
| [ Aspen Rise, Clayton](http://87.117.209.195:8080/listings/9214ff2) | £1,995/mo | 4 | 3.43 miles | Rightmove |
| [Snape Hall Road, Whitmore, Newcastle, Staffordshire, ST5](http://87.117.209.195:8080/listings/99762c2) | £1,800/mo | 4 | 3.77 miles | Rightmove |
| [Stableford, Newcastle-Under-Lyme, Staffordshire, ST5](http://87.117.209.195:8080/listings/e0262d1) | £1,400/mo | 4 | 4.88 miles | Rightmove |

**Average rent: £1,435/mo (13 listings)**

## 1% Rule

- **Rent ratio:** 316.3% (strong)
- **Max investor price (0.8%):** £162,500
- **Target investor price (1%):** £130,000

*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 £1,300/mo).*

- **Gross yield:** 3795.6%
- **Monthly cashflow:** £1,143/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11511.5%

*Gross yield = annual rent as % of price (no costs). 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:** 26.8%
- **10y growth:** 48.3%

## House Price Index (HM Land Registry)

*Official index for Newcastle-under-Lyme; Terraced series; as of March 2026.*

- **1y growth (index):** 2.4%
- **5y growth (index):** 24.8%
- **10y growth (index):** 59.1%

## 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

Floor area

93 m²

Last sold

£38,000 Oct 2000

Local average

£144,587 (-99.7%)

Deprivation

Decile 4 (11,023 of 33,755)

Street crime

66 incidents within 1 mile (Apr 2026)

Key features

Fantastic Four Bedroom Home
Fully Furnished
Close to Keele Uni
Modern communal areas

Additional details

Garden: Private garden

Description

Nicholas Humphreys are pleased to offer this fantastic Four bedroom, one bathroom student house available for the 2026/2027 academic year.
EPC rating: D.

Listed by

Stoke-on-Trent

The Property Franchise Group

Reference: 160039799

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 Certificate

FENSA Certificates

This property has 3 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #1697299

Property Details

Street: 23 Sneyd Terrace

Town: Newcastle

Postcode: ST5 6JT

Installation Details

Items: 1 door

Certificate Issued: 17/05/2004

Work Completed: 22/04/2004

This certificate data was retrieved from FENSA's database

FENSA Certificate #9629235

Property Details

Street: 23 Sneyd Terrace

Town: Newcastle

Postcode: ST5 6JT

Installation Details

Items: 6 windows

Certificate Issued: 24/06/2013

Work Completed: 14/06/2013

This certificate data was retrieved from FENSA's database

FENSA Certificate #1511359

Property Details

Street: 23 Sneyd Terrace

Town: Newcastle

Postcode: ST5 6JT

Installation Details

Items: 1 door

Certificate Issued: 23/02/2004

Work Completed: 30/01/2004

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

205% since 1999

Event	Date	Price	% change
Sold	03/11/2017 (8 years ago)	£94,500	+148.7%
Sold	27/10/2000 (25 years ago)	£38,000	+22.6%
Sold	14/05/1999 (27 years ago)	£31,000	—

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
116 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JH	£145,000	20/11/2025	Terraced
132 SUTTON AVENUE, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6TB	£225,000	22/07/2025	Terraced
34 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£111,000	12/05/2025	Terraced
26 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£140,000	27/09/2024	Terraced
4 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£70,000	04/09/2024	Terraced
34 VALE STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6QB	£175,000	01/12/2023	Terraced
47 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£145,000	27/10/2023	Terraced
14 MADELEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LS	£50,000	10/08/2023	Terraced
27 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£85,500	01/08/2023	Terraced
118 SUTTON AVENUE, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6TB	£202,000	31/07/2023	Terraced
133 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ	£128,000	26/07/2023	Terraced
18 FORD STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LT	£81,000	07/07/2023	Terraced
8 PARK ROAD, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6LL	£132,000	02/06/2023	Terraced
91 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ	£110,000	02/06/2023	Terraced
49 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£140,000	27/03/2023	Terraced
18 SILVERDALE SIDINGS, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JF	£140,000	20/03/2023	Terraced
7 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£130,000	10/02/2023	Terraced
99A CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ	£110,000	09/11/2022	Terraced
Same street 12 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT	£143,000	28/10/2022	Terraced
Same street 30 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT	£160,000	28/10/2022	Other
37 KINSEY STREET, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JL	£128,000	28/10/2022	Terraced
85 CHURCH STREET, SILVERDALE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JJ	£104,000	21/10/2022	Terraced
Same street 17 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT	£164,000	12/08/2022	Other
Same street 37 SNEYD TERRACE, NEWCASTLE, NEWCASTLE-UNDER-LYME, STAFFORDSHIRE, ST5 6JT	£125,000	01/07/2022	Terraced

Street average: £148,000 (4 sales)

Area average: £127,575 (20 sales)

Capital growth trend

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

5y growth 26.8%

10y growth 48.3%

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

1y (index) 2.4%

5y (index) 24.8%

10y (index) 59.1%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: CHATHA PROPERTY HOLDINGS LTD (15005180)

Rental Range

Estimated market rent for Newcastle-under-Lyme. Low = conservative, Realistic = average, Optimistic = best case.

Low £743/mo

Realistic £825/mo

Optimistic £908/mo

Based on Local Authority from postcode lookup → Newcastle-under-Lyme.

LHA (30th percentile) floor for Staffordshire North: £798/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ST5 6JT

Nearby

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

Type	Name	Distance
Bus stop	St Luke's Church	0.1 miles
Bus stop	The Bush Inn PH	0.1 miles
Shop	CB Grab and Go	0.9 miles
Shop	Keele Students' Union Shop	1.0 miles
University	Keele University	1.1 miles
Train station	Silverdale	1.2 miles
Train station	Apedale Road	1.4 miles
Hospital	Bradwell Hospital	2.2 miles
Hospital	Hartshill Medical Centre	2.7 miles
University	University of Staffordshire Stoke Campus	3.9 miles

Street-level crime

Category	Count
Violence and sexual offences	30
Anti-social behaviour	15
Other theft	6
Criminal damage and arson	4
Public order	4
Burglary	3
Possession of weapons	2
Drugs	1
Other crime	1
Total incidents	66

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
St Luke's CofE (C) Primary School	Primary	0.3 miles	Requires improvement — 26 Jan 2023
Silverdale Primary Academy	Primary	0.5 miles	Good — 29 Nov 2023
University of Keele	Other	0.9 miles	— (No rating)
St John's CofE (C) Primary School	Primary	0.9 miles	Requires improvement — 13 Jul 2023
Knutton St Marys CofE Academy	Primary	1.0 miles	Good — 4 Jun 2019

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
Ground Floor Shop, 113 High Street, Silverdale, ST6 6LX	£450/mo	—	0.21 miles	Rightmove
Snowgoose Way, Newcastle	£1,700/mo	4	1.23 miles	Rightmove
9 Rothesay Court, Rothesay Av, Westlands, ST5 2LX	£210/mo	—	1.39 miles	Rightmove
Car Park Lymedale Cross Industrial Estate, Newcastle Under Lyme ST5	£1/mo	—	1.52 miles	Rightmove
London Road, Chesterton, Newcastle	£1,200/mo	4	1.79 miles	Rightmove
Dimsdale Hall Drive, Wolstanton, Newcastle-under-Lyme	£1,750/mo	4	1.98 miles	Rightmove
Modern Studio In Newcastle-Under-Lyme, Newcastle-Under-Lyme, ST5	£560/mo	—	1.98 miles	Rightmove
Valley View, Newcastle, ST5	£1,300/mo	4	2.29 miles	Rightmove
The Coach House, Butterton, Newcastle Under Lyme, Staffordshire, ST5	£4,995/mo	4	2.67 miles	Rightmove
Enstone Court, Westbury Park, Newcastle Under Lyme, Staffordshire, ST5	£1,295/mo	4	2.86 miles	Rightmove
Aspen Rise, Clayton	£1,995/mo	4	3.43 miles	Rightmove
Snape Hall Road, Whitmore, Newcastle, Staffordshire, ST5	£1,800/mo	4	3.77 miles	Rightmove
Stableford, Newcastle-Under-Lyme, Staffordshire, ST5	£1,400/mo	4	4.88 miles	Rightmove

Average rent: £1,435/mo (13 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 316.3%

Max investor price (0.8%) £162,500

Target investor price (1%) £130,000

Gross yield 3795.6%

Monthly cashflow £1,143/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 11511.5%

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).
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).