Sold STC Detached

23 PURBECK ROAD

NEW MILTON, BARTON ON SEA, HAMPSHIRE BH25 7QG

3 beds 1 baths 98 m² Listed 8 Dec 2022 (-1283d)

£675,000

Guide Price

Reduced on 2 Nov 2022

Save

# 3 bedroom detached house for sale (BH25 7QG)

## Property Details

| Key | Value |
|-----|-------|
| Address | 23 PURBECK ROAD, NEW MILTON, BARTON ON SEA, HAMPSHIRE BH25 7QG |
| Price | £675,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | TBC |
| Last sold | £642,500 Jul 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** B
- **Expiry date:** 25/09/2032
- **Current heating cost:** £1,039/year
- **Est. upgrade cost to C:** £18,525

### Recommendations
- A3 (£1,500 - £2,700)
- B (£500 - £1,500)
- W1 (£800 - £1,200)
- E (£25)
- N (£4,000 - £6,000)
- O (£3,300 - £6,500)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4532-5621-7200-0786-0226)

## Description

** CHARACTERFUL HOME - LARGE PLOT - COASTAL LOCATION - HUGE POTENTIAL** An excellent opportunity in an enviable coastal location. A characterful four bedroom, two reception room detached chalet set on a fantastic large plot with a sunny south facing aspect to the rear and offering huge potential to modernised and create a stunning property in this highly sought after position which benefits from sea glimpses on the first floor. Other features of the property include a quiet cul de sac position and no forward chain.

An excellent opportunity in an enviable coastal location. A characterful four bedroom, two reception room detached chalet set on a fantastic large plot with a sunny south facing aspect to the rear and offering huge potential to modernised and create a stunning property in this highly sought after position which benefits from sea glimpses on the first floor. Other features of the property include a quiet cul de sac position and no forward chain.  Entrance hall with exposed timber flooring, stairs to the first floor and understairs storage cupboard.  Lovely triple aspect sitting room with a feature tiled fireplace with a living flame effect gas fire and sliding double glazed doors onto the rear garden.  Separate dining room with exposed timber flooring and a lovely outlook over the rear garden.  Kitchen fitted with a range of base units with marble effect worktop and a stainless steel sink unit, spaces for cooker and tall fridge freezer, lovely outlook over the rear garden, part glazed door through to the carport and a larder cupboard housing a modern Valiant gas fired boiler.  Ground floor double bedroom with exposed timber flooring and an outlook to the front.  Ground floor cloakroom fitted with a white suite.  First floor landing with a trap to the roof space and an airing cupboard housing a hot water cylinder.  Three first floor bedrooms, two of which benefit from a triple aspect and southerly sea glimpses.  Bathroom fitted with a white suite comprising a cast iron bath with mixer tap and shower attachment over, wash basin and WC.  No forward chain.  The property sits on a superb large and mature plot with the front garden laid mainly to lawn with mature shrubs providing privacy from the road. The driveway provides off road parking and leads to the detached carport which provides covered parking for one vehicle.  The rear garden extends to over 100feet and is a particular feature currently laid mainly to lawn with mature hedging, timber summerhouse, greenhouse, mature fruit trees, all enjoying a sunny southerly.

## Property Photos

- ![Image](/listings/photos/129827936/428944) - Image
- ![Image](/listings/photos/129827936/428945) - Image
- ![Image](/listings/photos/129827936/428946) - Image
- ![Image](/listings/photos/129827936/428948) - Image
- ![Image](/listings/photos/129827936/428949) - Image
- ![Image](/listings/photos/129827936/428951) - Image
- ![Image](/listings/photos/129827936/428953) - Image
- ![Image](/listings/photos/129827936/428954) - Image
- ![Image](/listings/photos/129827936/428956) - Image
- ![Image](/listings/photos/129827936/428958) - Image
- ![Image](/listings/photos/129827936/428960) - Image
- ![Image](/listings/photos/129827936/428961) - Image
- ![Image](/listings/photos/129827936/428963) - Image
- ![Image](/listings/photos/129827936/428966) - Image

## Floorplans

- ![FloorPlan](/listings/photos/129827936/428970) - FloorPlan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/129827936/428972) - EPC Rating Graph

## FENSA Certificates

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

### FENSA Certificate #16334000
- **Address:** 23 Purbeck Road, Barton on Sea, BH25 7QG
- **Certificate Issued:** 09/06/2024
- **Work Completed:** 19/04/2024
- **Items:** 14 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 23 PURBECK ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QG | £642,500 | 10/07/2023 | 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 |
|---------|-------|------|------|
| 35 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ | £657,000 | 01/10/2025 | Detached |
| 17 WESTERN AVENUE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PY | £530,000 | 17/07/2025 | Detached |
| 61 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ | £440,000 | 01/07/2025 | Detached |
| 53 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ | £730,000 | 30/11/2023 | Detached |
| 10 NEACROFT CLOSE, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7TJ | £335,000 | 21/07/2023 | Detached |
| [Same street] 8 PURBECK ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QG | £965,000 | 27/04/2023 | Detached |
| 5 VECTIS ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QF | £540,000 | 22/12/2022 | Detached |
| 52 WESTERN AVENUE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PZ | £545,000 | 17/11/2022 | Detached |
| [Same street] 26 PURBECK ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QG | £1,050,000 | 21/10/2022 | Detached |
| 18 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PB | £945,000 | 29/07/2022 | Detached |
| 37 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ | £785,000 | 29/06/2022 | Detached |
| 12 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PL | £725,000 | 09/06/2022 | Detached |
| 4 BURLEY CLOSE, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7SX | £605,000 | 27/05/2022 | Detached |
| 14 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PB | £749,950 | 19/05/2022 | Detached |
| 5 ELLINGHAM ROAD, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7RB | £550,000 | 22/02/2022 | Detached |
| 9 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PA | £860,000 | 15/02/2022 | Detached |
| 22 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PB | £850,000 | 26/01/2022 | Detached |
| 24 NAISH ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PU | £660,000 | 06/01/2022 | Detached |
| 10 BOLDRE CLOSE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7TH | £495,500 | 16/12/2021 | Detached |
| LANRIA, 62 WESTERN AVENUE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PZ | £520,000 | 03/12/2021 | Detached |
| 5 CLEVELAND CLOSE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PE | £580,000 | 02/12/2021 | Detached |
| [Same street] 25 PURBECK ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QG | £870,000 | 04/11/2021 | Detached |
| 6 CLEVELAND CLOSE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PE | £655,000 | 21/10/2021 | Detached |

**Street average:** £961,667 (3 sales)
**Area average:** £637,873 (20 sales)

## Price vs local average

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

- **Local average:** £528,001 (53 Detached, BH25, 2024–2026)
- **Deviation:** +27.8%

## Rental Range

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

- **Low:** £1,113/mo
- **Realistic:** £1,237/mo
- **Optimistic:** £1,361/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,072/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, Upper Gordon Road, BH23 | £1,600/mo | 3 | 0.98 miles | OpenRent |

**Average rent: £1,600/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.24% (weak for cashflow)
- **Max investor price (0.8%):** £200,000
- **Target investor price (1%):** £160,000

*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 £1,600/mo).*

- **Gross yield:** 2.8%
- **Cost-to-rent:** 35.2×
- **Monthly cashflow:** £-1,243/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -7.6%

*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:** £6,888/m²

## Capital growth trend

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

- **5y growth:** -2.2%
- **10y growth:** 22.9%

## House Price Index (HM Land Registry)

*Official index for New Forest; Detached series; as of March 2026.*

- **1y growth (index):** -0.9%
- **5y growth (index):** 7%
- **10y growth (index):** 22.9%

## 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)

Image Image Image Image Image Image Image Image Image Image Image Image Image Image

/ 14

Property details

Floor area

98 m²

Council tax band

TBC

EPC rating

Last sold

£642,500 Jul 2023

Price per m²

£6,888/m²

Local average

£528,001 (+27.8%)

Deprivation

Decile 9 (29,661 of 33,755)

Street crime

30 incidents within 1 mile (Apr 2026)

Key features

Entrance Hall,Sitting Room & Separate Dining Room ,Kitchen,Ground Floor Bedroom ,Cloakroom,Three First Floor Bedrooms,Bathroom,Off Road Parking,Carport,Private Gardens

Additional details

Parking: Yes
Garden: Yes

Description

CHARACTERFUL HOME - LARGE PLOT - COASTAL LOCATION - HUGE POTENTIAL An excellent opportunity in an enviable coastal location. A characterful four bedroom, two reception room detached chalet set on a fantastic large plot with a sunny south facing aspect to the rear and offering huge potential to modernised and create a stunning property in this highly sought after position which benefits from sea glimpses on the first floor. Other features of the property include a quiet cul de sac position and no forward chain.

An excellent opportunity in an enviable coastal location. A characterful four bedroom, two reception room detached chalet set on a fantastic large plot with a sunny south facing aspect to the rear and offering huge potential to modernised and create a stunning property in this highly sought after position which benefits from sea glimpses on the first floor. Other features of the property include a quiet cul de sac position and no forward chain. Entrance hall with exposed timber flooring, stairs to the first floor and understairs storage cupboard. Lovely triple aspect sitting room with a feature tiled fireplace with a living flame effect gas fire and sliding double glazed doors onto the rear garden. Separate dining room with exposed timber flooring and a lovely outlook over the rear garden. Kitchen fitted with a range of base units with marble effect worktop and a stainless steel sink unit, spaces for cooker and tall fridge freezer, lovely outlook over the rear garden, part glazed door through to the carport and a larder cupboard housing a modern Valiant gas fired boiler. Ground floor double bedroom with exposed timber flooring and an outlook to the front. Ground floor cloakroom fitted with a white suite. First floor landing with a trap to the roof space and an airing cupboard housing a hot water cylinder. Three first floor bedrooms, two of which benefit from a triple aspect and southerly sea glimpses. Bathroom fitted with a white suite comprising a cast iron bath with mixer tap and shower attachment over, wash basin and WC. No forward chain. The property sits on a superb large and mature plot with the front garden laid mainly to lawn with mature shrubs providing privacy from the road. The driveway provides off road parking and leads to the detached carport which provides covered parking for one vehicle. The rear garden extends to over 100feet and is a particular feature currently laid mainly to lawn with mature hedging, timber summerhouse, greenhouse, mature fruit trees, all enjoying a sunny southerly.

Listed by

New Milton

Mitchells Estate Agents

Reference: 129827936

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: B

Inspection date: 26/09/2022

Expiry date: 25/09/2032

Current heating cost: £1,039/year

Potential heating cost: £481/year

Est. upgrade cost to C: £18,525

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

Recommendations

Room-in-roof insulation (£1,500 - £2,700)
Cavity wall insulation (£500 - £1,500)
Floor insulation (suspended floor) (£800 - £1,200)
Low energy lighting for all fixed outlets (£25)
Solar water heating (£4,000 - £6,000)
Replace single glazed windows with low-E double glazing (£3,300 - £6,500)
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

EPC Rating Graph

FENSA Certificates

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

FENSA Certificate #16334000 Recent

Property Details

Street: 23 Purbeck Road

Town: Barton on Sea

Postcode: BH25 7QG

Installation Details

Items: 14 windows and 1 door

Certificate Issued: 09/06/2024

Work Completed: 19/04/2024

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	10/07/2023 (2 years ago)	£642,500	—

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
35 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ	£657,000	01/10/2025	Detached
17 WESTERN AVENUE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PY	£530,000	17/07/2025	Detached
61 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ	£440,000	01/07/2025	Detached
53 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ	£730,000	30/11/2023	Detached
10 NEACROFT CLOSE, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7TJ	£335,000	21/07/2023	Detached
Same street 8 PURBECK ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QG	£965,000	27/04/2023	Detached
5 VECTIS ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QF	£540,000	22/12/2022	Detached
52 WESTERN AVENUE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PZ	£545,000	17/11/2022	Detached
Same street 26 PURBECK ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QG	£1,050,000	21/10/2022	Detached
18 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PB	£945,000	29/07/2022	Detached
37 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PJ	£785,000	29/06/2022	Detached
12 BARTON LANE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PL	£725,000	09/06/2022	Detached
4 BURLEY CLOSE, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7SX	£605,000	27/05/2022	Detached
14 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PB	£749,950	19/05/2022	Detached
5 ELLINGHAM ROAD, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7RB	£550,000	22/02/2022	Detached
9 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PA	£860,000	15/02/2022	Detached
22 CLIFFE ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PB	£850,000	26/01/2022	Detached
24 NAISH ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PU	£660,000	06/01/2022	Detached
10 BOLDRE CLOSE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7TH	£495,500	16/12/2021	Detached
LANRIA, 62 WESTERN AVENUE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PZ	£520,000	03/12/2021	Detached
5 CLEVELAND CLOSE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PE	£580,000	02/12/2021	Detached
Same street 25 PURBECK ROAD, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7QG	£870,000	04/11/2021	Detached
6 CLEVELAND CLOSE, BARTON ON SEA, NEW MILTON, NEW FOREST, HAMPSHIRE, BH25 7PE	£655,000	21/10/2021	Detached

Street average: £961,667 (3 sales)

Area average: £637,873 (20 sales)

Capital growth trend

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

5y growth -2.2%

10y growth 22.9%

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

1y (index) -0.9%

5y (index) 7%

10y (index) 22.9%

Rental Range

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

Low £1,113/mo

Realistic £1,237/mo

Optimistic £1,361/mo

Based on Local Authority from postcode lookup → New Forest.

LHA (30th percentile) floor for Southampton: £1,072/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View BH25 7QG

Nearby

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

Type	Name	Distance
Bus stop	Barton Post Office	0.3 miles
Shop	Co-Op Food	0.3 miles
Shop	Balmer Lawn Suzuki	0.4 miles
Train station	New Milton	1.4 miles
Train station	Hinton Admiral	1.8 miles
Hospital	Christchurch Hospital	4.9 miles
University	Bournemouth University (Talbot Campus)	9.5 miles
University	Bournemouth University	9.5 miles

Street-level crime

Category	Count
Violence and sexual offences	14
Criminal damage and arson	5
Drugs	3
Anti-social behaviour	2
Public order	2
Shoplifting	2
Burglary	1
Other theft	1
Total incidents	30

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
The Eaglewood School	Other	0.9 miles	Good — 10 Sep 2019
New Milton Infant School	Primary	1.0 miles	Good — 25 Jun 2023
New Milton Junior School	Primary	1.0 miles	Good — 10 Jun 2013
Durlston Court School	Other	1.0 miles	— (No rating)
The Arnewood School	Secondary	1.0 miles	Inadequate — 23 May 2024

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, Upper Gordon Road, BH23	£1,600/mo	3	0.98 miles	OpenRent

Average rent: £1,600/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.24%

Max investor price (0.8%) £200,000

Target investor price (1%) £160,000

Gross yield 2.8%

Cost-to-rent ratio 35.2×

Monthly cashflow £-1,243/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -7.6%

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).