Sold STC Semi-detached

60 RICHMOND AVENUE

ILKESTON, DERBYSHIRE DE7 8QY

3 beds 1 baths 72 m² Listed 26 Apr 2024 (-828d)

£150,000

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# 3 bedroom semi-detached house for sale (DE7 8QY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 60 RICHMOND AVENUE, ILKESTON, DERBYSHIRE DE7 8QY |
| Price | £150,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | B |
| Last sold | £145,000 Nov 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 30/04/2034
- **Est. upgrade cost to C:** £19,540

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- E (£40)
- 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/0097-3037-1205-8384-5204)

## Description

RENSHAW ESTATES offer this THREE BED SEMI-DETACHED, Two Receptions, NO CHAIN, Drive & Garage, GENEROUS GARDEN, Combination Boiler, CUL-DE-SAC POSITION, Video Tour!

## Property Photos

- ![SOLDimage.jpeg](/listings/photos/86875320/1585379) - SOLDimage.jpeg
- ![F](/listings/photos/86875320/1585380) - F
- ![L](/listings/photos/86875320/1585381) - L
- ![R (1)](/listings/photos/86875320/1585382) - R (1)
- ![K](/listings/photos/86875320/1585383) - K
- ![DR](/listings/photos/86875320/1585384) - DR
- ![R (2)](/listings/photos/86875320/1585385) - R (2)
- ![B1](/listings/photos/86875320/1585386) - B1
- ![B2](/listings/photos/86875320/1585387) - B2
- ![B3](/listings/photos/86875320/1585388) - B3
- ![BATH](/listings/photos/86875320/1585389) - BATH
- ![R (3)](/listings/photos/86875320/1585392) - R (3)
- ![WC](/listings/photos/86875320/1585398) - WC

## FENSA Certificates

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

### FENSA Certificate #9247938
- **Address:** 60 Richmond Avenue, ILKESTON, DE7 8QY
- **Certificate Issued:** 10/12/2012
- **Work Completed:** 25/09/2012
- **Items:** 2 window(s)

### FENSA Certificate #9096147
- **Address:** 60 Richmond Avenue, ILKESTON, DE7 8QY
- **Certificate Issued:** 01/10/2012
- **Work Completed:** 14/08/2012
- **Items:** 2 window(s)

### FENSA Certificate #6028396
- **Address:** 60 Richmond Avenue, ILKESTON, DE7 8QY
- **Certificate Issued:** 20/10/2008
- **Work Completed:** 26/08/2008
- **Items:** 5 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 60 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £145,000 | 20/11/2024 | 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 |
|---------|-------|------|------|
| 27 BOYTHORPE CLOSE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WG | £158,000 | 09/01/2026 | Semi-detached |
| 7 PORTLAND ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NF | £195,000 | 11/11/2025 | Semi-detached |
| [Same street] 61 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £145,000 | 21/03/2025 | Detached |
| [Same street] 50 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £149,950 | 26/02/2025 | Semi-detached |
| [Same street] 49 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £144,000 | 08/08/2024 | Terraced |
| [Same street] 47 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £180,000 | 01/08/2024 | Terraced |
| 10 PORTLAND ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NF | £170,000 | 27/10/2023 | Semi-detached |
| [Same street] 24 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £135,000 | 25/08/2023 | Terraced |
| [Same street] 13 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £144,000 | 06/03/2023 | Terraced |
| [Same street] 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £173,000 | 17/02/2023 | Semi-detached |
| 22 NELSON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PA | £117,000 | 22/12/2022 | Semi-detached |
| [Same street] 17 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £140,000 | 19/12/2022 | Terraced |
| [Same street] 19 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £164,000 | 02/12/2022 | Terraced |
| 15 BARLBOROUGH ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WJ | £143,000 | 22/11/2022 | Semi-detached |
| 223 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QX | £130,000 | 22/11/2022 | Semi-detached |
| 32 BRIDGE STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8RD | £125,000 | 12/10/2022 | Semi-detached |
| 4 STRATFORD STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QZ | £145,000 | 10/10/2022 | Semi-detached |
| 10 FOXLEY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WR | £150,000 | 14/09/2022 | Semi-detached |
| 52 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU | £105,000 | 16/08/2022 | Semi-detached |
| 33 CHURCH STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QS | £230,000 | 04/08/2022 | Semi-detached |
| 223 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QX | £70,000 | 14/07/2022 | Semi-detached |
| 51 CHURCH STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QS | £225,000 | 06/07/2022 | Semi-detached |
| 11 PORTLAND ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NF | £161,000 | 28/06/2022 | Semi-detached |
| 11 BENNERLEY AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PF | £135,000 | 13/05/2022 | Semi-detached |
| 12 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU | £148,000 | 29/04/2022 | Semi-detached |
| [Same street] 5 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £130,000 | 22/04/2022 | Terraced |
| [Same street] 20 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £85,000 | 31/03/2022 | Terraced |
| 40 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU | £137,000 | 23/03/2022 | Semi-detached |
| 15 NELSON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PA | £125,000 | 07/03/2022 | Semi-detached |
| 23 VERNON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PD | £155,000 | 21/02/2022 | Semi-detached |
| 166 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QT | £84,000 | 01/02/2022 | Semi-detached |
| [Same street] 52 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £162,000 | 20/01/2022 | Semi-detached |
| [Same street] 23 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £117,100 | 08/12/2021 | Terraced |
| [Same street] 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £112,000 | 01/12/2021 | Semi-detached |
| [Same street] 17 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £130,000 | 29/09/2021 | Terraced |

**Street average:** £140,737 (15 sales)
**Area average:** £145,400 (20 sales)

## Price vs local average

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

- **Local average:** £212,957 (71 Semi-detached, DE7, 2024–2026)
- **Deviation:** -29.6%

## Rental Range

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

- **Low:** £752/mo
- **Realistic:** £835/mo
- **Optimistic:** £919/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £698/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, Dukes Place, DE7 | £1,350/mo | 3 | 0.27 miles | OpenRent |
| 3 Bed Semi-Detached House, Lathkill Avenue, DE7 | £980/mo | 3 | 0.4 miles | OpenRent |

**Average rent: £1,165/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.78% (weak for cashflow)
- **Max investor price (0.8%):** £145,625
- **Target investor price (1%):** £116,500

*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 £1,165/mo).*

- **Gross yield:** 9.3%
- **Cost-to-rent:** 10.7×
- **Monthly cashflow:** £433/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11.9%

*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:** £2,083/m²

## Capital growth trend

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

- **5y growth:** 39.6%
- **10y growth:** 65.4%

## House Price Index (HM Land Registry)

*Official index for Erewash; Semi-detached series; as of April 2026.*

- **1y growth (index):** 1.2%
- **5y growth (index):** 20.4%
- **10y growth (index):** 59%

## 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)

SOLDimage.jpeg F L R (1) K DR R (2) B1 B2 B3 BATH R (3) WC

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Property details

Tenure

FREEHOLD

Floor area

72 m²

Council tax band

EPC rating

Last sold

£145,000 Nov 2024

Price per m²

£2,083/m²

Local average

£212,957 (-29.6%)

Deprivation

Decile 1 (1,431 of 33,755)

Street crime

202 incidents within 1 mile (May 2026)

Key features

THREE BED SEMI
TWO RECEPTIONS
NO CHAIN
DRIVE & GARAGE
CUL-DE-SAC
VIDEO TOUR
GENEROUS GARDEN
NEAR BUS ROUTE
VIEWING ADVISED

Additional details

Parking: Yes
Garden: Yes

Description

RENSHAW ESTATES offer this THREE BED SEMI-DETACHED, Two Receptions, NO CHAIN, Drive & Garage, GENEROUS GARDEN, Combination Boiler, CUL-DE-SAC POSITION, Video Tour!

Listed by

Ilkeston

Renshaw Estates Ltd

Reference: 86875320

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 01/05/2024

Expiry date: 30/04/2034

Est. upgrade cost to C: £19,540

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Low energy lighting for all fixed outlets (£40)
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)

FENSA Certificates

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

FENSA Certificate #9247938

Property Details

Street: 60 Richmond Avenue

Town: ILKESTON

Postcode: DE7 8QY

Installation Details

Items: 2 windows

Certificate Issued: 10/12/2012

Work Completed: 25/09/2012

This certificate data was retrieved from FENSA's database

FENSA Certificate #9096147

Property Details

Street: 60 Richmond Avenue

Town: ILKESTON

Postcode: DE7 8QY

Installation Details

Items: 2 windows

Certificate Issued: 01/10/2012

Work Completed: 14/08/2012

This certificate data was retrieved from FENSA's database

FENSA Certificate #6028396

Property Details

Street: 60 Richmond Avenue

Town: ILKESTON

Postcode: DE7 8QY

Installation Details

Items: 5 windows

Certificate Issued: 20/10/2008

Work Completed: 26/08/2008

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

Event	Date	Price	% change
Sold	20/11/2024 (1 year ago)	£145,000	—

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
27 BOYTHORPE CLOSE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WG	£158,000	09/01/2026	Semi-detached
7 PORTLAND ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NF	£195,000	11/11/2025	Semi-detached
Same street 61 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£145,000	21/03/2025	Detached
Same street 50 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£149,950	26/02/2025	Semi-detached
Same street 49 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£144,000	08/08/2024	Terraced
Same street 47 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£180,000	01/08/2024	Terraced
10 PORTLAND ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NF	£170,000	27/10/2023	Semi-detached
Same street 24 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£135,000	25/08/2023	Terraced
Same street 13 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£144,000	06/03/2023	Terraced
Same street 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£173,000	17/02/2023	Semi-detached
22 NELSON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PA	£117,000	22/12/2022	Semi-detached
Same street 17 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£140,000	19/12/2022	Terraced
Same street 19 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£164,000	02/12/2022	Terraced
15 BARLBOROUGH ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WJ	£143,000	22/11/2022	Semi-detached
223 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QX	£130,000	22/11/2022	Semi-detached
32 BRIDGE STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8RD	£125,000	12/10/2022	Semi-detached
4 STRATFORD STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QZ	£145,000	10/10/2022	Semi-detached
10 FOXLEY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WR	£150,000	14/09/2022	Semi-detached
52 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU	£105,000	16/08/2022	Semi-detached
33 CHURCH STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QS	£230,000	04/08/2022	Semi-detached
223 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QX	£70,000	14/07/2022	Semi-detached
51 CHURCH STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QS	£225,000	06/07/2022	Semi-detached
11 PORTLAND ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NF	£161,000	28/06/2022	Semi-detached
11 BENNERLEY AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PF	£135,000	13/05/2022	Semi-detached
12 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU	£148,000	29/04/2022	Semi-detached
Same street 5 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£130,000	22/04/2022	Terraced
Same street 20 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£85,000	31/03/2022	Terraced
40 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU	£137,000	23/03/2022	Semi-detached
15 NELSON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PA	£125,000	07/03/2022	Semi-detached
23 VERNON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PD	£155,000	21/02/2022	Semi-detached
166 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QT	£84,000	01/02/2022	Semi-detached
Same street 52 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£162,000	20/01/2022	Semi-detached
Same street 23 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£117,100	08/12/2021	Terraced
Same street 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£112,000	01/12/2021	Semi-detached
Same street 17 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£130,000	29/09/2021	Terraced

Street average: £140,737 (15 sales)

Area average: £145,400 (20 sales)

Capital growth trend

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

5y growth 39.6%

10y growth 65.4%

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

1y (index) 1.2%

5y (index) 20.4%

10y (index) 59%

Rental Range

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

Low £752/mo

Realistic £835/mo

Optimistic £919/mo

Based on Local Authority from postcode lookup → Erewash.

LHA (30th percentile) floor for Derby: £698/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View DE7 8QY

Nearby

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

Type	Name	Distance
Bus stop	Bridge Street	0.1 miles
Bus stop	Cotmanhay Road / Vernon Street	0.1 miles
Shop	Bright Street Laundry	0.4 miles
Shop	Canalside Cars Ltd	0.5 miles
Train station	Ilkeston	0.8 miles
Train station	Langley Mill	2.3 miles
Hospital	Queens Medical Centre	5.9 miles
Hospital	NHS Treatment Centre	6.0 miles
University	Chaucer Study Space	6.6 miles
University	Derby Law School	8.8 miles

Street-level crime

Category	Count
Violence and sexual offences	101
Public order	20
Anti-social behaviour	19
Criminal damage and arson	18
Shoplifting	10
Vehicle crime	9
Other theft	8
Drugs	7
Other crime	4
Burglary	2
Robbery	2
Bicycle theft	1
Possession of weapons	1
Total incidents	202

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
Bennerley Fields School	Other	0.1 miles	Good — 8 Mar 2023
Esteem Valley Academy	Other	0.1 miles	Good — 14 Jan 2019
Cotmanhay Junior School	Primary	0.3 miles	— (Inspected (no overall grade))
Cotmanhay Infant and Nursery School	Primary	0.3 miles	Good — 19 Jan 2022
Charlotte Nursery and Infant School	Primary	0.6 miles	Outstanding — 5 Mar 2014

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, Dukes Place, DE7	£1,350/mo	3	0.27 miles	OpenRent
3 Bed Semi-Detached House, Lathkill Avenue, DE7	£980/mo	3	0.4 miles	OpenRent

Average rent: £1,165/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.78%

Max investor price (0.8%) £145,625

Target investor price (1%) £116,500

Gross yield 9.3%

Cost-to-rent ratio 10.7×

Monthly cashflow £433/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 11.9%

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).