Sold Town house

65 SAPPHIRE WAY

HARTLEPOOL, HARTLEPOOL TS24 0AN

3 beds 2 baths 1,012 sq ft Listed 5 Dec 2025 (-190d)

£159,950

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# 3 bedroom town house for sale (TS24 0AN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 65 SAPPHIRE WAY, HARTLEPOOL, HARTLEPOOL TS24 0AN |
| Price | £159,950 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | B |
| Floor area | 94 m² |
| Last sold | £154,950 Nov 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Expiry date:** 27/08/2034
- **Current heating cost:** £392/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- 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/0390-3998-0080-2324-7831)

## Description

*** REDUCED *** CLOSE TO THE SEAFRONT/BEACH *** A bright and airy modern three bedroom end terraced property offering well planned accommodation, spread over three floors.  Built by Persimmon Homes to the popular 'Saunton' design and within a 'stone's throw' of the seafront.  An ideal purchase for a first time buyer or young family, with the benefit of a generous landscaped rear garden and double drive to the front.  The home further benefits from gas central heating, features uPVC double glazing and is well positioned within the development.  The internal layout comprises: entrance porch through to a spacious front lounge, the inner hall incorporates stairs to the first floor and access to a useful guest cloakroom/WC, the kitchen/diner is fitted with modern units and includes a range of built-in appliances, with a single panel door opening to the garden.  To the first floor are two bedrooms and the family bathroom, whilst to the second floor is a good size master bedroom and en-suite shower room.  Externally is a low maintenance double drive to the front, with the enclosed private rear garden having lawn and paved patio areas.

Marine Point is a new development in Hartlepool, close to the Headland.  This impressive new development, located on the seafront, offers a mix of two, three and four bedroom properties, providing an attractive and desirable setting for prospective buyers.

**Ground Floor** -

**Entrance** - Accessed via double glazed composite entrance door, internal door through to:

**Lounge** - 4.50m x 3.58m (14'9 x 11'9) - A generous lounge with uPVC double glazed window to the front aspect, double radiator, storage cupboard, access to:

**Inner Hallway** - Stairs to the first floor, access to guest cloakroom/WC.

**Downstairs Cloakroom Wc** - Fitted with a two piece white suite and chrome fittings comprising: pedestal wash hand basin with chrome mixer tap and tiled splashback, low level WC, extractor fan, single radiator.

**Dining Kitchen** - 3.84m x 2.36m (12'7 x 7'9) - Fitted with a modern range of dove off white units to base and wall level with complementary work surfaces incorporating an inset single sink with drainer, stainless steel sink unit with mixer tap, built-in electric oven with four ring gas hob above and three speed extractor hood over, all finished in brushed stainless steel with matching splashback, integrated fridge/freezer, integrated washing machine, concealed gas central heating boiler, uPVC double glazed window to the rear aspect, modern laminate flooring, uPVC double glazed door to the rear garden, double radiator.

**First Floor** -

**Landing** - Stairs to the second floor, single radiator, access to bedrooms two and three, alongside the family bathroom.

**Bedroom** - 3.35m’2.74m x 3.18m (11'’9 x 10'5) - Two uPVC double glazed windows to the front aspect, single radiator.

**Bedroom** - 3.58m x 2.67m (11'9 x 8'9) - uPVC double glazed window overlooking the rear garden, single radiator.

**Family Bathroom/Wc** - Fitted with a modern three piece suite and chrome fittings comprising: panelled bath with chrome mixer tap, pedestal wash hand basin with chrome mixer tap, low level WC, attractive tiling to splashback,  fitted extractor fan.

**Second Floor** -

**Landing** - Good size storage cupboard.

**Bedroom** - 5.11m x 2.51m (16'9 x 8'3) - Double glazed 'dormer' style window to the front aspect, double radiator, hatch to loft space.

**En-Suite** - Fitted with a modern three piece suite comprising: corner shower cubicle with chrome shower, pedestal wash hand basin with chrome mixer tap, low level WC, attractive tiling to splashback, large storage cupboard, double glazed 'Velux' style window to the rear aspect, radiator, extractor fan.

**Externally** - To the rear of the property is an enclosed garden which is mainly laid to lawn, with a sunny paved patio area.  External tap. Parking for two cars to the front.

**Nb** - Floorplans and title plans are for illustrative purposes only.  All measurements, walls, doors, window fittings and appliances, their sizes and locations, are approximate only.  They cannot be regarded as being a representation by the seller, nor their agent.

## Property Photos

- ![Front](/listings/photos/170038652/358294) - Front
- ![Front External View](/listings/photos/170038652/358295) - Front External View
- ![Lounge](/listings/photos/170038652/358296) - Lounge
- ![Lounge](/listings/photos/170038652/358299) - Lounge
- ![Dining Kitchen](/listings/photos/170038652/358300) - Dining Kitchen
- ![Bedroom](/listings/photos/170038652/358301) - Bedroom
- ![En Suite](/listings/photos/170038652/358302) - En Suite
- ![Bedroom](/listings/photos/170038652/358303) - Bedroom
- ![Family Bathroom](/listings/photos/170038652/358304) - Family Bathroom
- ![Beach View](/listings/photos/170038652/358306) - Beach View
- ![Beach View](/listings/photos/170038652/358308) - Beach View

## Floorplans

- ![Floorplan](/listings/photos/170038652/358310) - Floorplan

## EPC Graphs

- ![EE Rating](/listings/photos/170038652/358311) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 65 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £154,950 | 26/11/2024 | 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 |
|---------|-------|------|------|
| [Same street] 43 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £170,953 | 29/04/2024 | Detached |
| [Same street] 62 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £199,453 | 21/12/2023 | Detached |
| [Same street] 60 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £249,950 | 26/10/2023 | Detached |
| [Same street] 54 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £208,950 | 11/09/2023 | Semi-detached |
| [Same street] 29 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £150,950 | 24/04/2023 | Terraced |
| [Same street] 13 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £224,915 | 27/02/2023 | Detached |
| [Same street] 17 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £181,573 | 27/02/2023 | Semi-detached |
| [Same street] 22 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £186,950 | 22/12/2022 | Detached |
| [Same street] 20 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £249,950 | 21/12/2022 | Detached |
| [Same street] 26 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £148,290 | 20/12/2022 | Terraced |
| [Same street] 18 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £189,250 | 20/12/2022 | Terraced |
| [Same street] 16 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £189,250 | 20/12/2022 | Terraced |
| [Same street] 28 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £148,290 | 20/12/2022 | Terraced |
| [Same street] 6 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £139,950 | 04/11/2022 | Terraced |
| [Same street] 8 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN | £134,950 | 31/10/2022 | Terraced |
| 8 BRUNTOFT AVENUE, HARTLEPOOL, TS24 9NE | £100,000 | 29/07/2022 | Terraced |
| 7 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF | £154,950 | 24/06/2022 | Terraced |
| 8 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF | £153,560 | 14/06/2022 | Terraced |
| 6 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF | £154,950 | 23/05/2022 | Terraced |
| 11 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF | £137,950 | 14/04/2022 | Terraced |
| 97 BRUNTOFT AVENUE, HARTLEPOOL, TS24 9NF | £73,000 | 18/02/2022 | Terraced |
| 97 BRUNTOFT AVENUE, HARTLEPOOL, TS24 9NF | £50,000 | 09/12/2021 | Terraced |
| 416 WEST VIEW ROAD, HARTLEPOOL, TS24 9LL | £95,000 | 23/11/2021 | Terraced |
| 350 WEST VIEW ROAD, HARTLEPOOL, TS24 9LL | £55,000 | 16/08/2021 | Terraced |

**Street average:** £184,908 (15 sales)
**Area average:** £108,268 (9 sales)

## Price vs local average

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

- **Local average:** £73,630 (41 Terraced, TS24, 2024–2026)
- **Deviation:** +117.2%

## Rental Range

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

- **Low:** £509/mo
- **Realistic:** £566/mo
- **Optimistic:** £623/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £549/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 Terraced House, Ridlington Way, TS24 | £650/mo | 3 | 0.71 miles | OpenRent |
| 3 Bed Terraced House, Challoner Road, TS24 | £745/mo | 3 | 1.07 miles | OpenRent |
| 3 Bed Semi-Detached House, Challoner Square, TS24 | £650/mo | 3 | 1.17 miles | OpenRent |
| 3 Bed Terraced House, Chatham Road, TS24 | £600/mo | 3 | 1.21 miles | OpenRent |

**Average rent: £661/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.41% (weak for cashflow)
- **Max investor price (0.8%):** £81,250
- **Target investor price (1%):** £65,000

*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 £650/mo).*

- **Gross yield:** 4.9%
- **Cost-to-rent:** 20.5×
- **Monthly cashflow:** £-70/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.8%

*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:** £1,702/m²

## Capital growth trend

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

- **5y growth:** -23%
- **10y growth:** -6.7%

## House Price Index (HM Land Registry)

*Official index for Hartlepool; Terraced series; as of March 2026.*

- **1y growth (index):** 8.5%
- **5y growth (index):** 25.1%
- **10y growth (index):** 50.2%

## 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 Front External View Lounge Lounge Dining Kitchen Bedroom En Suite Bedroom Family Bathroom Beach View Beach View

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Property details

Tenure

FREEHOLD

Floor area

94 m²

Council tax band

EPC rating

Last sold

£154,950 Nov 2024

Price per m²

£1,702/m²

Local average

£73,630 (+117.2%)

Deprivation

Decile 1 (170 of 33,755)

Street crime

162 incidents within 1 mile (Apr 2026)

Key features

Close To Seafront
Modern End Terrace Townhouse
Three Bedrooms
Gas Central Heating & uPVC Double Glazing
Spacious Lounge
Modern Kitchen/Diner
First Floor Family Bathroom
En-Suite To Master Bedroom
Double Drive To Front
Generous Rear Garden

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: Driveway
Garden: Yes

Description

* REDUCED * CLOSE TO THE SEAFRONT/BEACH * A bright and airy modern three bedroom end terraced property offering well planned accommodation, spread over three floors. Built by Persimmon Homes to the popular 'Saunton' design and within a 'stone's throw' of the seafront. An ideal purchase for a first time buyer or young family, with the benefit of a generous landscaped rear garden and double drive to the front. The home further benefits from gas central heating, features uPVC double glazing and is well positioned within the development. The internal layout comprises: entrance porch through to a spacious front lounge, the inner hall incorporates stairs to the first floor and access to a useful guest cloakroom/WC, the kitchen/diner is fitted with modern units and includes a range of built-in appliances, with a single panel door opening to the garden. To the first floor are two bedrooms and the family bathroom, whilst to the second floor is a good size master bedroom and en-suite shower room. Externally is a low maintenance double drive to the front, with the enclosed private rear garden having lawn and paved patio areas.

Marine Point is a new development in Hartlepool, close to the Headland. This impressive new development, located on the seafront, offers a mix of two, three and four bedroom properties, providing an attractive and desirable setting for prospective buyers.

Ground Floor -

Entrance - Accessed via double glazed composite entrance door, internal door through to:

Lounge - 4.50m x 3.58m (14'9 x 11'9) - A generous lounge with uPVC double glazed window to the front aspect, double radiator, storage cupboard, access to:

Inner Hallway - Stairs to the first floor, access to guest cloakroom/WC.

Downstairs Cloakroom Wc - Fitted with a two piece white suite and chrome fittings comprising: pedestal wash hand basin with chrome mixer tap and tiled splashback, low level WC, extractor fan, single radiator.

Dining Kitchen - 3.84m x 2.36m (12'7 x 7'9) - Fitted with a modern range of dove off white units to base and wall level with complementary work surfaces incorporating an inset single sink with drainer, stainless steel sink unit with mixer tap, built-in electric oven with four ring gas hob above and three speed extractor hood over, all finished in brushed stainless steel with matching splashback, integrated fridge/freezer, integrated washing machine, concealed gas central heating boiler, uPVC double glazed window to the rear aspect, modern laminate flooring, uPVC double glazed door to the rear garden, double radiator.

First Floor -

Landing - Stairs to the second floor, single radiator, access to bedrooms two and three, alongside the family bathroom.

Bedroom - 3.35m’2.74m x 3.18m (11'’9 x 10'5) - Two uPVC double glazed windows to the front aspect, single radiator.

Bedroom - 3.58m x 2.67m (11'9 x 8'9) - uPVC double glazed window overlooking the rear garden, single radiator.

Family Bathroom/Wc - Fitted with a modern three piece suite and chrome fittings comprising: panelled bath with chrome mixer tap, pedestal wash hand basin with chrome mixer tap, low level WC, attractive tiling to splashback, fitted extractor fan.

Second Floor -

Landing - Good size storage cupboard.

Bedroom - 5.11m x 2.51m (16'9 x 8'3) - Double glazed 'dormer' style window to the front aspect, double radiator, hatch to loft space.

En-Suite - Fitted with a modern three piece suite comprising: corner shower cubicle with chrome shower, pedestal wash hand basin with chrome mixer tap, low level WC, attractive tiling to splashback, large storage cupboard, double glazed 'Velux' style window to the rear aspect, radiator, extractor fan.

Externally - To the rear of the property is an enclosed garden which is mainly laid to lawn, with a sunny paved patio area. External tap. Parking for two cars to the front.

Nb** - Floorplans and title plans are for illustrative purposes only. All measurements, walls, doors, window fittings and appliances, their sizes and locations, are approximate only. They cannot be regarded as being a representation by the seller, nor their agent.

Listed by

Hartlepool

SMITH & FRIENDS ESTATE AGENTS LTD

Reference: 170038652

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: A

Inspection date: 28/08/2024

Expiry date: 27/08/2034

Current heating cost: £392/year

Potential heating cost: £392/year

Est. upgrade cost to C: £9,500

Recommendations

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

EPC Graphs

EE Rating

Price history

Event	Date	Price	% change
Sold	26/11/2024 (1 year ago)	£154,950	—

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 43 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£170,953	29/04/2024	Detached
Same street 62 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£199,453	21/12/2023	Detached
Same street 60 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£249,950	26/10/2023	Detached
Same street 54 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£208,950	11/09/2023	Semi-detached
Same street 29 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£150,950	24/04/2023	Terraced
Same street 13 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£224,915	27/02/2023	Detached
Same street 17 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£181,573	27/02/2023	Semi-detached
Same street 22 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£186,950	22/12/2022	Detached
Same street 20 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£249,950	21/12/2022	Detached
Same street 26 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£148,290	20/12/2022	Terraced
Same street 18 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£189,250	20/12/2022	Terraced
Same street 16 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£189,250	20/12/2022	Terraced
Same street 28 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£148,290	20/12/2022	Terraced
Same street 6 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£139,950	04/11/2022	Terraced
Same street 8 SAPPHIRE WAY, HARTLEPOOL, TS24 0AN	£134,950	31/10/2022	Terraced
8 BRUNTOFT AVENUE, HARTLEPOOL, TS24 9NE	£100,000	29/07/2022	Terraced
7 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF	£154,950	24/06/2022	Terraced
8 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF	£153,560	14/06/2022	Terraced
6 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF	£154,950	23/05/2022	Terraced
11 SUNSTONE CLOSE, HARTLEPOOL, TS24 0AF	£137,950	14/04/2022	Terraced
97 BRUNTOFT AVENUE, HARTLEPOOL, TS24 9NF	£73,000	18/02/2022	Terraced
97 BRUNTOFT AVENUE, HARTLEPOOL, TS24 9NF	£50,000	09/12/2021	Terraced
416 WEST VIEW ROAD, HARTLEPOOL, TS24 9LL	£95,000	23/11/2021	Terraced
350 WEST VIEW ROAD, HARTLEPOOL, TS24 9LL	£55,000	16/08/2021	Terraced

Street average: £184,908 (15 sales)

Area average: £108,268 (9 sales)

Capital growth trend

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

5y growth -23%

10y growth -6.7%

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

1y (index) 8.5%

5y (index) 25.1%

10y (index) 50.2%

Rental Range

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

Low £509/mo

Realistic £566/mo

Optimistic £623/mo

Based on Local Authority from postcode lookup → Hartlepool.

LHA (30th percentile) floor for Teesside: £549/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View TS24 0AN

Nearby

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

Type	Name	Distance
Bus stop	Unknown	0.2 miles
Bus stop	Brus Corner	0.2 miles
Shop	Perfect Appearance	0.2 miles
Shop	Brus Barbers	0.2 miles
Hospital	University Hospital of Hartlepool	0.7 miles
Hospital	Sandwell Park Hospital	1.4 miles
Train station	Hartlepool	1.8 miles
University	The Northern School Of Art	1.9 miles
Train station	Seaton Carew	3.8 miles
University	Durham University	9.2 miles

Street-level crime

Category	Count
Violence and sexual offences	62
Anti-social behaviour	27
Criminal damage and arson	20
Drugs	10
Other crime	10
Public order	10
Other theft	8
Burglary	4
Shoplifting	3
Vehicle crime	3
Bicycle theft	2
Robbery	2
Theft from the person	1
Total incidents	162

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 John Vianney Catholic Primary School, Hartlepool	Primary	0.4 miles	Outstanding — 16 Sep 2024
St Hild's Church of England School	Secondary	0.4 miles	Requires improvement — 2 Jul 2024
West View Primary School	Primary	0.5 miles	Good — 8 May 2023
Catcote Futures	Other	0.5 miles	— (No rating)
Barnard Grove Primary School	Primary	0.9 miles	Good — 14 Feb 2012

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 Terraced House, Ridlington Way, TS24	£650/mo	3	0.71 miles	OpenRent
3 Bed Terraced House, Challoner Road, TS24	£745/mo	3	1.07 miles	OpenRent
3 Bed Semi-Detached House, Challoner Square, TS24	£650/mo	3	1.17 miles	OpenRent
3 Bed Terraced House, Chatham Road, TS24	£600/mo	3	1.21 miles	OpenRent

Average rent: £661/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.41%

Max investor price (0.8%) £81,250

Target investor price (1%) £65,000

Gross yield 4.9%

Cost-to-rent ratio 20.5×

Monthly cashflow £-70/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.8%

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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