# 6 bedroom flat for rent (ST1 4LT)

## Property Details

| Key | Value |
|-----|-------|
| Address | Havelock Place, Stoke-On-Trent, ST1, ST1 4LT |
| Price | £2,989 pcm |
| Bedrooms | 6 |
| Bathrooms | 6 |

## Description

Nicholas Humphreys are pleased to offer this Brand New Built 6 bedroom property located in close proximity to Hanley Town Centre. The property has been completed to a high spec and offers luxury student living! EPC rating: B.

## Property Photos

- ![Photo](/listings/photos/168965315/9669)
- ![Photo](/listings/photos/168965315/9672)
- ![Photo](/listings/photos/168965315/9675)

## Price vs local average

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

- **Local average:** £76,250 (4 Flat, ST1, 2024–2026)
- **Deviation:** -96.1%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £637/mo
- **Realistic:** £708/mo
- **Optimistic:** £779/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 |
|------|------|------|------|------|
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/0a6b094) | £825/mo | — | 0.3 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/8ba40b9) | £825/mo | — | 0.3 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/1511edf) | £895/mo | — | 0.3 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/8602134) | £875/mo | — | 0.3 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/28458b0) | £875/mo | — | 0.3 miles | Rightmove |
| [Clayworks, Hanley](http://87.117.209.195:8080/listings/5ccb04f) | £875/mo | — | 0.3 miles | Rightmove |
| [Trinity Point, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/844a28d) | £620/mo | — | 0.57 miles | Rightmove |
| [The Webberley, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/44c025c) | £520/mo | — | 0.58 miles | Rightmove |
| [The Webberley, Stoke-On-Trent, ST1](http://87.117.209.195:8080/listings/df9bc47) | £640/mo | — | 0.58 miles | Rightmove |
| [Moxons Island, 48 Stafford Street, Stoke-on-Trent, Staffordshire, ST1](http://87.117.209.195:8080/listings/0cb1b74) | £525/mo | — | 0.58 miles | Rightmove |
| [Rosedawn Close East, STOKE-ON-TRENT](http://87.117.209.195:8080/listings/d2ddaf5) | £2,250/mo | — | 0.66 miles | Rightmove |
| [Victoria Road, Stoke-On-Trent](http://87.117.209.195:8080/listings/d8f0e55) | £620/mo | — | 0.67 miles | Rightmove |

**Average rent: £862/mo (12 listings)**

## 1% Rule

- **Rent ratio:** 27.6% (strong)
- **Max investor price (0.8%):** £103,125
- **Target investor price (1%):** £82,500

*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 £825/mo).*

- **Gross yield:** 331.2%
- **Cost-to-rent:** 0.3×
- **Monthly cashflow:** £706/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 977%

*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:** 29.2%
- **10y growth:** 27.2%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** -3.2%
- **5y growth (index):** 13.5%
- **10y growth (index):** 43.3%

## 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)