Sold STC Semi-detached

29 BERWYN GROVE

MAIDSTONE, KENT ME15 9RD

3 beds 1 baths 1,389 sq ft Listed 28 Jun 2022 (-1483d)

£500,000

Offers in Excess of

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# 3 bedroom semi-detached house for sale (ME15 9RD)

## Property Details

| Key | Value |
|-----|-------|
| Address | 29 BERWYN GROVE, MAIDSTONE, KENT ME15 9RD |
| Price | £500,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1967-1975 |
| Floor area | 129 m² |
| Last sold | £520,000 Oct 2022 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Expiry date:** 22/06/2032
- **Current heating cost:** £1,121/year
- **Est. upgrade cost to C:** £18,550

### Recommendations
- B (£500 - £1,500)
- B4 (£300 - £600)
- W2 (£4,000 - £6,000)
- I (£2,200 - £3,000)
- 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/0380-2647-7160-2722-7745)

## Description

***NO FORWARD CHAIN***TAKE THE VIRTUAL TOUR***1464 SQUARE FOOT***EXTENDED THREE BEDROOM SEMI DETACHED HOME IN A PRIME LOCATION WITHIN WALKING DISTANCE OF LOCAL AMENITIES INCLUDING OFSTED 'OUTSTANDING' LOOSE PRIMARY SCHOOL.

Offered with no forward chain this excellent family home resides in a popular location and has been thoughtfully extended. Local amenities include Sainsubury Local, take away restaurants and handy newsagents. Ofsted 'Outstanding' Loose primary school is within walking distance, while there are a selection of grammar schools just a short bus journey away. For the commuter, Staplehurst and Marden stations are a 10 minute drive away and offer direct lines to London Bridge, Charing Cross and London Waterloo.

With spacious and adaptable accommodation, the home offers an opportunity to update and sits on an excellent plot with a west facing garden extending over 100ft. Inside, there is an entrance hall with stairs to the first floor, lounge with bay window and feature fireplace leading into a dining room. The extension houses the kitchen/breakfast room, a downstairs study/4th bedroom with cloakroom and a drawing room with french doors opening onto the impressive back garden. Upstairs, there is a family bathroom with separate w/c and three bedrooms with built in wardrobes to the main bedroom. Outside, the driveway to the front provides ample parking and there is a garage with up and over door. The west facing rear garden is a real feature of the home extending over 100ft with mature trees, borders and lawn and a good section of patio to the immediate rear. There is also an outbuilding with power and lighting.

If you are on the market for an excellent and extended home with a large garden and opportunity to update, then call Page and Wells Loose Office today and book your viewing to avoid missing out.

Tenure: Freehold

Council Tax: E

**On The Ground Floor** -

**Entrance Hall** -

**Lounge** - 4.78m x 4.72m (15'8" x 15'5") -

**Kitchen/Breakfast Room** - 5.29m 3.54m (17'4" 11'7") -

**Dining Room** - 3.27m x 2.88m (10'8" x 9'5") -

**Drawing Room** - 5.74m x 3.81m (18'9" x 12'5") -

**Study** - 2.71m x 2.43m (8'10" x 7'11") -

**On The First Floor** -

**Bedroom 1** - 4.10m x 3.53m (13'5" x 11'6") -

**Bedroom 2** - 3.54m x 2.90m (11'7" x 9'6") -

**Bedroom 3** - 3.12m x 2.09m (10'2" x 6'10") -

**Bathroom** -

**Externally** -

**Garage** - 5.08m x 2.40m (16'7" x 7'10") -

## Property Photos

- ![Front External](/listings/photos/124425092/1152940) - Front External
- ![Lounge](/listings/photos/124425092/1152941) - Lounge
- ![Lounge](/listings/photos/124425092/1152942) - Lounge
- ![Lounge](/listings/photos/124425092/1152943) - Lounge
- ![Entrance Hall](/listings/photos/124425092/1152944) - Entrance Hall
- ![Dining Room](/listings/photos/124425092/1152945) - Dining Room
- ![Dining Room](/listings/photos/124425092/1152946) - Dining Room
- ![Kitchen/Breakfast Room](/listings/photos/124425092/1152947) - Kitchen/Breakfast Room
- ![Kitchen/Breakfast Room](/listings/photos/124425092/1152948) - Kitchen/Breakfast Room
- ![Kitchen/Breakfast Room](/listings/photos/124425092/1152949) - Kitchen/Breakfast Room
- ![Drawing Room](/listings/photos/124425092/1152951) - Drawing Room
- ![Bedroom 1](/listings/photos/124425092/1152954) - Bedroom 1
- ![Bedroom 1](/listings/photos/124425092/1152956) - Bedroom 1
- ![Bedroom 2](/listings/photos/124425092/1152958) - Bedroom 2
- ![Bedroom 3](/listings/photos/124425092/1152960) - Bedroom 3
- ![Bathroom](/listings/photos/124425092/1152962) - Bathroom
- ![Garden](/listings/photos/124425092/1152963) - Garden
- ![Garden](/listings/photos/124425092/1152965) - Garden
- ![Garden](/listings/photos/124425092/1152967) - Garden
- ![Garden](/listings/photos/124425092/1152969) - Garden
- ![Garden](/listings/photos/124425092/1152971) - Garden
- ![Garden](/listings/photos/124425092/1152973) - Garden
- ![Garden](/listings/photos/124425092/1152977) - Garden
- ![Garden](/listings/photos/124425092/1152978) - Garden

## Floorplans

- ![Floorplan.jpg](/listings/photos/124425092/1152979) - Floorplan.jpg

## EPC Graphs

- ![EE Rating](/listings/photos/124425092/1152982) - EE Rating

## FENSA Certificates

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

### FENSA Certificate #15736013
- **Address:** 29 Berwyn Grove, MAIDSTONE, ME15 9RD
- **Certificate Issued:** 30/04/2023
- **Work Completed:** 17/04/2023
- **Items:** 4 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 29 BERWYN GROVE, MAIDSTONE, KENT, ME15 9RD | £520,000 | 21/10/2022 | Semi-detached |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 67 BOUGHTON LANE, MAIDSTONE, KENT, ME15 9QP | £435,000 | 23/01/2026 | Semi-detached |
| 20 NORRINGTON ROAD, MAIDSTONE, KENT, ME15 9RB | £455,000 | 18/12/2025 | Semi-detached |
| 43 NORTHLEIGH CLOSE, LOOSE, MAIDSTONE, KENT, ME15 9RP | £335,000 | 29/08/2025 | Semi-detached |
| 19 PICKERING STREET, MAIDSTONE, KENT, ME15 9RS | £410,000 | 22/11/2024 | Semi-detached |
| [Same street] 27 BERWYN GROVE, MAIDSTONE, KENT, ME15 9RD | £435,000 | 14/10/2024 | Semi-detached |
| 11 ANGLESEY AVENUE, MAIDSTONE, KENT, ME15 9SH | £400,000 | 10/11/2023 | Semi-detached |
| 4 BOUGHTON LANE, MAIDSTONE, KENT, ME15 9QN | £430,000 | 27/10/2023 | Semi-detached |
| 7 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA | £370,000 | 04/09/2023 | Semi-detached |
| 22 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA | £325,000 | 07/07/2023 | Semi-detached |
| 40 PEAR TREE LANE, MAIDSTONE, KENT, ME15 9QX | £410,000 | 19/05/2023 | Semi-detached |
| 29 PAYNES LANE, MAIDSTONE, KENT, ME15 9QZ | £525,000 | 31/03/2023 | Semi-detached |
| 5 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA | £427,500 | 06/12/2022 | Semi-detached |
| 62 ANGLESEY AVENUE, MAIDSTONE, KENT, ME15 9SY | £355,000 | 05/12/2022 | Semi-detached |
| 17 IONA ROAD, MAIDSTONE, KENT, ME15 9SX | £425,000 | 02/12/2022 | Semi-detached |
| 471 LOOSE ROAD, MAIDSTONE, KENT, ME15 9UJ | £350,000 | 02/12/2022 | Semi-detached |
| 535 LOOSE ROAD, MAIDSTONE, KENT, ME15 9UQ | £332,500 | 30/11/2022 | Semi-detached |
| 14 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA | £355,000 | 18/11/2022 | Semi-detached |
| 7 SKYE CLOSE, MAIDSTONE, KENT, ME15 9SJ | £540,000 | 05/10/2022 | Semi-detached |
| 15 BOUGHTON LANE, MAIDSTONE, KENT, ME15 9QN | £495,000 | 16/09/2022 | Semi-detached |
| 23 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA | £330,000 | 17/08/2022 | Semi-detached |
| 30 NORTHLEIGH CLOSE, LOOSE, MAIDSTONE, KENT, ME15 9RP | £410,000 | 29/07/2022 | Semi-detached |
| [Same street] 4 BERWYN GROVE, MAIDSTONE, KENT, ME15 9RD | £510,000 | 12/11/2021 | Semi-detached |

**Street average:** £472,500 (2 sales)
**Area average:** £405,750 (20 sales)

## Price vs local average

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

- **Local average:** £386,381 (56 Semi-detached, ME15, 2024–2026)
- **Deviation:** +29.4%

## Rental Range

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

- **Low:** £1,161/mo
- **Realistic:** £1,290/mo
- **Optimistic:** £1,419/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,197/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, Camp Way, ME15 | £1,500/mo | 3 | 0.5 miles | OpenRent |
| 3 Bed Semi-Detached House, Queen Elizabeth Square, ME15 | £1,650/mo | 3 | 0.8 miles | OpenRent |

**Average rent: £1,575/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.32% (weak for cashflow)
- **Max investor price (0.8%):** £196,875
- **Target investor price (1%):** £157,500

*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 £1,575/mo).*

- **Gross yield:** 3.8%
- **Cost-to-rent:** 26.5×
- **Monthly cashflow:** £-577/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.8%

*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:** £3,876/m²

## Capital growth trend

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

- **5y growth:** -0.4%
- **10y growth:** 19.9%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 1.9%
- **5y growth (index):** 17.6%
- **10y growth (index):** 29.1%

## 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)

Front External Lounge Lounge Lounge Entrance Hall Dining Room Dining Room Kitchen/Breakfast Room Kitchen/Breakfast Room Kitchen/Breakfast Room Drawing Room Bedroom 1 Bedroom 1 Bedroom 2 Bedroom 3 Bathroom Garden Garden Garden Garden Garden Garden Garden Garden

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Property details

Tenure

FREEHOLD

Floor area

129 m²

EPC rating

Year built

England and Wales: 1967-1975

Last sold

£520,000 Oct 2022

Price per m²

£3,876/m²

Local average

£386,381 (+29.4%)

Deprivation

Decile 9 (27,622 of 33,755)

Street crime

143 incidents within 1 mile (May 2026)

Additional details

Parking: Yes
Garden: Yes

Description

*NO FORWARD CHAIN*TAKE THE VIRTUAL TOUR*1464 SQUARE FOOT*EXTENDED THREE BEDROOM SEMI DETACHED HOME IN A PRIME LOCATION WITHIN WALKING DISTANCE OF LOCAL AMENITIES INCLUDING OFSTED 'OUTSTANDING' LOOSE PRIMARY SCHOOL.
Offered with no forward chain this excellent family home resides in a popular location and has been thoughtfully extended. Local amenities include Sainsubury Local, take away restaurants and handy newsagents. Ofsted 'Outstanding' Loose primary school is within walking distance, while there are a selection of grammar schools just a short bus journey away. For the commuter, Staplehurst and Marden stations are a 10 minute drive away and offer direct lines to London Bridge, Charing Cross and London Waterloo.
With spacious and adaptable accommodation, the home offers an opportunity to update and sits on an excellent plot with a west facing garden extending over 100ft. Inside, there is an entrance hall with stairs to the first floor, lounge with bay window and feature fireplace leading into a dining room. The extension houses the kitchen/breakfast room, a downstairs study/4th bedroom with cloakroom and a drawing room with french doors opening onto the impressive back garden. Upstairs, there is a family bathroom with separate w/c and three bedrooms with built in wardrobes to the main bedroom. Outside, the driveway to the front provides ample parking and there is a garage with up and over door. The west facing rear garden is a real feature of the home extending over 100ft with mature trees, borders and lawn and a good section of patio to the immediate rear. There is also an outbuilding with power and lighting.
If you are on the market for an excellent and extended home with a large garden and opportunity to update, then call Page and Wells Loose Office today and book your viewing to avoid missing out.
Tenure: Freehold
Council Tax: E

On The Ground Floor -

Entrance Hall -

Lounge - 4.78m x 4.72m (15'8" x 15'5") -

Kitchen/Breakfast Room - 5.29m 3.54m (17'4" 11'7") -

Dining Room - 3.27m x 2.88m (10'8" x 9'5") -

Drawing Room - 5.74m x 3.81m (18'9" x 12'5") -

Study - 2.71m x 2.43m (8'10" x 7'11") -

On The First Floor -

Bedroom 1 - 4.10m x 3.53m (13'5" x 11'6") -

Bedroom 2 - 3.54m x 2.90m (11'7" x 9'6") -

Bedroom 3 - 3.12m x 2.09m (10'2" x 6'10") -

Bathroom -

Externally -

Garage - 5.08m x 2.40m (16'7" x 7'10") -

Listed by

Loose Road

Page & Wells

Reference: 124425092

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 23/06/2022

Expiry date: 22/06/2032

Current heating cost: £1,121/year

Potential heating cost: £681/year

Est. upgrade cost to C: £18,550

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

Recommendations

Cavity wall insulation (£500 - £1,500)
Party wall insulation (£300 - £600)
Floor insulation (solid floor) (£4,000 - £6,000)
Replace boiler with new condensing boiler (£2,200 - £3,000)
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.jpg

EPC Graphs

EE Rating

FENSA Certificates

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

FENSA Certificate #15736013 Recent

Property Details

Street: 29 Berwyn Grove

Town: MAIDSTONE

Postcode: ME15 9RD

Installation Details

Items: 4 windows

Certificate Issued: 30/04/2023

Work Completed: 17/04/2023

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	21/10/2022 (3 years ago)	£520,000	—

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
67 BOUGHTON LANE, MAIDSTONE, KENT, ME15 9QP	£435,000	23/01/2026	Semi-detached
20 NORRINGTON ROAD, MAIDSTONE, KENT, ME15 9RB	£455,000	18/12/2025	Semi-detached
43 NORTHLEIGH CLOSE, LOOSE, MAIDSTONE, KENT, ME15 9RP	£335,000	29/08/2025	Semi-detached
19 PICKERING STREET, MAIDSTONE, KENT, ME15 9RS	£410,000	22/11/2024	Semi-detached
Same street 27 BERWYN GROVE, MAIDSTONE, KENT, ME15 9RD	£435,000	14/10/2024	Semi-detached
11 ANGLESEY AVENUE, MAIDSTONE, KENT, ME15 9SH	£400,000	10/11/2023	Semi-detached
4 BOUGHTON LANE, MAIDSTONE, KENT, ME15 9QN	£430,000	27/10/2023	Semi-detached
7 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA	£370,000	04/09/2023	Semi-detached
22 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA	£325,000	07/07/2023	Semi-detached
40 PEAR TREE LANE, MAIDSTONE, KENT, ME15 9QX	£410,000	19/05/2023	Semi-detached
29 PAYNES LANE, MAIDSTONE, KENT, ME15 9QZ	£525,000	31/03/2023	Semi-detached
5 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA	£427,500	06/12/2022	Semi-detached
62 ANGLESEY AVENUE, MAIDSTONE, KENT, ME15 9SY	£355,000	05/12/2022	Semi-detached
17 IONA ROAD, MAIDSTONE, KENT, ME15 9SX	£425,000	02/12/2022	Semi-detached
471 LOOSE ROAD, MAIDSTONE, KENT, ME15 9UJ	£350,000	02/12/2022	Semi-detached
535 LOOSE ROAD, MAIDSTONE, KENT, ME15 9UQ	£332,500	30/11/2022	Semi-detached
14 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA	£355,000	18/11/2022	Semi-detached
7 SKYE CLOSE, MAIDSTONE, KENT, ME15 9SJ	£540,000	05/10/2022	Semi-detached
15 BOUGHTON LANE, MAIDSTONE, KENT, ME15 9QN	£495,000	16/09/2022	Semi-detached
23 HALSTOW CLOSE, MAIDSTONE, KENT, ME15 9XA	£330,000	17/08/2022	Semi-detached
30 NORTHLEIGH CLOSE, LOOSE, MAIDSTONE, KENT, ME15 9RP	£410,000	29/07/2022	Semi-detached
Same street 4 BERWYN GROVE, MAIDSTONE, KENT, ME15 9RD	£510,000	12/11/2021	Semi-detached

Street average: £472,500 (2 sales)

Area average: £405,750 (20 sales)

Capital growth trend

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

5y growth -0.4%

10y growth 19.9%

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

1y (index) 1.9%

5y (index) 17.6%

10y (index) 29.1%

Rental Range

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

Low £1,161/mo

Realistic £1,290/mo

Optimistic £1,419/mo

Based on Local Authority from postcode lookup → Maidstone.

LHA (30th percentile) floor for Maidstone: £1,197/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ME15 9RD

Nearby

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

Type	Name	Distance
Bus stop	Anglesey Avenue	0.1 miles
Bus stop	Norrington Road	0.1 miles
Shop	The Dolly Tub	0.3 miles
Shop	Doo-Das Hair	0.3 miles
Train station	Maidstone West	1.6 miles
Train station	Maidstone Model Engineering Society	1.7 miles
University	University for the Creative Arts, Maidstone TV Studios	2.0 miles
Hospital	The Somerfield Hospital	2.1 miles
University	UCA Maidstone Studios	2.4 miles
Hospital	Sittingbourne Memorial Hospital	10.8 miles

Street-level crime

Category	Count
Violence and sexual offences	49
Anti-social behaviour	39
Shoplifting	16
Criminal damage and arson	14
Other theft	6
Other crime	5
Burglary	4
Public order	4
Vehicle crime	3
Bicycle theft	1
Drugs	1
Theft from the person	1
Total incidents	143

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
New Line Learning Academy	Secondary	0.2 miles	Good — 10 Dec 2019
Tiger Primary School	Primary	0.2 miles	Good — 19 Oct 2023
Five Acre Wood School	Other	0.3 miles	Outstanding — 8 Sep 2024
Loose Primary School	Primary	0.3 miles	Good — 13 Sep 2023
Leigh Academy Oaks	Primary	0.6 miles	Outstanding — 15 Nov 2021

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, Camp Way, ME15	£1,500/mo	3	0.5 miles	OpenRent
3 Bed Semi-Detached House, Queen Elizabeth Square, ME15	£1,650/mo	3	0.8 miles	OpenRent

Average rent: £1,575/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.32%

Max investor price (0.8%) £196,875

Target investor price (1%) £157,500

Gross yield 3.8%

Cost-to-rent ratio 26.5×

Monthly cashflow £-577/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -4.8%

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).

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