Sold STC Terraced

2

POLDEN COURT, POLDEN STREET, BRIDGWATER, SOMERSET TA6 5EN

3 beds 1 baths 829 sq ft Listed 31 Jul 2025 (-368d)

£194,950

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# 3 bedroom terraced house for sale (TA6 5EN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 2, POLDEN COURT, POLDEN STREET, BRIDGWATER, SOMERSET TA6 5EN |
| Price | £194,950 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | B |
| Construction age | England and Wales: 1996-2002 |
| Floor area | 77 m² |
| Last sold | £192,000 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 06/02/2033
- **Current heating cost:** £678/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/0350-2063-2220-2807-1341)

## Description

One of the standout features of this home is its prime location, just a short stroll from the town centre and the train station, making it an excellent choice for commuters and those who enjoy the vibrancy of town life. The nearby amenities provide a variety of shops, cafes, and services, ensuring that everything you need is within easy reach.

**Entrance Hall** - Front door into entrance hall, stairs to first floor with storage under, radiator.

**Downstairs Wc** - Obscure double glazed window to front, radiator, low level w/c, radiator, pedestal wash hand basin.

**Kitchen/Breakfast Area** - 4.47m x 1.93m (14'8 x 6'4) - Double glazed window to the front. range of wall & base units with rolltop work surface over, wall mounted boiler, gas hob with extractor over, built in with electric oven, space & plumbing for washing machine,  space for fridge / freezer, radiator.

**Lounge** - 4.67m x 4.06m (15'4 x 13'4) - Double glazed patio doors leading out to the rear garden, radiator.

**Landing** - Storage cupboard.

**Bedroom 1** - 4.06m x 3.18m (13'4 x 10'5) - Double glazed window to front, radiator.

**Bedroom 2** - 3.99m x 2.36m (13'1 x 7'9) - Double glazed window to rear, radiator, loft access.

**Bedroom 3** - 3.40m x 1.68m (11'2 x 5'6) - Double glazed window to rear, radiator.

**Family Bathroom** - 2.01m x 1.96m (6'7 x 6'5) - Panel bath with electric shower over, pedestal wash hand basin, low level w/c radiator.

**Rear Elevation** -

**Garden** - Enclosed rear garden.

**Parking** -

**Description** - Nestled on Polden Street in the charming town of Bridgwater, this delightful mid-terrace house offers a perfect blend of comfort and convenience. With three well-proportioned bedrooms, this property is ideal for families or those seeking extra space.

**Material Information...** - Additional information not previously mentioned

•Mains electric & gas.

•Water metered.

•Gas Central Heating.

•Mains sewage.

•No flooding in the last 5 years.

•Broadband and Mobile signal or coverage in the area.

For an indication of specific speeds and supply or coverage in the area, we recommend potential buyers to use the

Ofcom checkers below:

checker.ofcom.org.uk/en-gb/mobile-coverage

checker.ofcom.org.uk/en-gb/broadband-coverage

Flood Information:

flood-map-for-planning.service.gov.uk/location

## Property Photos

- ![front elevation.jpg](/listings/photos/87244305/1456849) - front elevation.jpg
- ![kitchen.jpg](/listings/photos/87244305/1456850) - kitchen.jpg
- ![rear elevation.jpg](/listings/photos/87244305/1456851) - rear elevation.jpg
- ![bathroom.jpg](/listings/photos/87244305/1456852) - bathroom.jpg
- ![Bed 1.jpg](/listings/photos/87244305/1456853) - Bed 1.jpg
- ![bed 2.jpg](/listings/photos/87244305/1456854) - bed 2.jpg
- ![garden.jpg](/listings/photos/87244305/1456855) - garden.jpg
- ![lounge.jpg](/listings/photos/87244305/1456856) - lounge.jpg

## Floorplans

- ![2PoldenCourt-High (1).jpg](/listings/photos/87244305/1456857) - 2PoldenCourt-High (1).jpg

## EPC Graphs

- ![EE Rating](/listings/photos/87244305/1456858) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| POLDEN COURT 2 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EN | £192,000 | 30/01/2026 | 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 |
|---------|-------|------|------|
| 33 DEVONSHIRE STREET, BRIDGWATER, SOMERSET, TA6 5EP | £185,000 | 15/12/2025 | Terraced |
| 24 GORDON TERRACE, BRIDGWATER, SOMERSET, TA6 5JP | £170,250 | 03/12/2025 | Terraced |
| 87 WELLINGTON ROAD, BRIDGWATER, SOMERSET, TA6 5HA | £187,500 | 07/11/2025 | Terraced |
| [Same street] 46 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EN | £112,500 | 28/07/2025 | Terraced |
| [Same street] 52 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EN | £160,000 | 03/07/2025 | Terraced |
| 49 WELLINGTON ROAD, BRIDGWATER, SOMERSET, TA6 5EY | £158,095 | 20/12/2023 | Terraced |
| 1 GORDON TERRACE, BRIDGWATER, SOMERSET, TA6 5JP | £200,000 | 01/12/2023 | Terraced |
| 54 DEVONSHIRE STREET, BRIDGWATER, SOMERSET, TA6 5ES | £205,000 | 01/12/2023 | Terraced |
| [Same street] 20 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EN | £162,000 | 13/11/2023 | Terraced |
| 98 WELLINGTON ROAD, BRIDGWATER, SOMERSET, TA6 5HA | £150,000 | 19/10/2023 | Terraced |
| 53 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EL | £140,000 | 29/09/2023 | Terraced |
| 110 ST JOHN STREET, BRIDGWATER, SOMERSET, TA6 5HZ | £125,000 | 11/08/2023 | Terraced |
| 10 EDWARD STREET, BRIDGWATER, SOMERSET, TA6 5EU | £112,000 | 26/07/2023 | Terraced |
| 53 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EL | £117,000 | 03/07/2023 | Terraced |
| 1 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EL | £150,000 | 30/05/2023 | Terraced |
| 76 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EW | £165,000 | 05/04/2023 | Terraced |
| 78 BARCLAY STREET, BRIDGWATER, SOMERSET, TA6 5HP | £165,000 | 06/03/2023 | Terraced |
| 44 CRANLEIGH GARDENS, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5JS | £195,000 | 28/12/2022 | Terraced |
| 79 ST JOHN STREET, BRIDGWATER, SOMERSET, TA6 5HX | £160,000 | 20/12/2022 | Terraced |
| [Same street] 34 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN | £127,500 | 12/12/2022 | Terraced |
| [Same street] 34 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN | £127,500 | 12/12/2022 | Flat |
| 72 WELLINGTON ROAD, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EZ | £160,000 | 09/12/2022 | Terraced |
| 12 CHURCH STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5AS | £230,000 | 07/10/2022 | Terraced |
| 21 GORDON TERRACE, BRIDGWATER, SOMERSET, TA6 5JP | £222,500 | 05/10/2022 | Terraced |
| 28 GORDON TERRACE, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5JP | £213,000 | 26/08/2022 | Terraced |
| [Same street] 28 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN | £142,000 | 20/01/2022 | Terraced |
| [Same street] 42 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN | £120,000 | 06/01/2022 | Terraced |
| [Same street] POLDEN COURT 4 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN | £190,000 | 30/11/2021 | Terraced |
| [Same street] 2 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN | £172,500 | 17/11/2021 | Semi-detached |

**Street average:** £146,000 (9 sales)
**Area average:** £170,517 (20 sales)

## Price vs local average

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

- **Local average:** £204,284 (67 Terraced, TA6, 2024–2026)
- **Deviation:** -4.6%

## Rental Range

*ONS Price Index of Private Rents (South West). 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 Taunton & West Somerset (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £848/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, Cranleigh Gardens, TA6 | £1,300/mo | 3 | 0.11 miles | OpenRent |
| 3 Bed Detached House, Cavalier Close, TA6 | £1,650/mo | 3 | 0.83 miles | OpenRent |

**Average rent: £1,475/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.76% (weak for cashflow)
- **Max investor price (0.8%):** £184,375
- **Target investor price (1%):** £147,500

*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 £1,475/mo).*

- **Gross yield:** 9.1%
- **Cost-to-rent:** 11×
- **Monthly cashflow:** £535/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11.4%

*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:** £2,532/m²

## Capital growth trend

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

- **5y growth:** 14.8%
- **10y growth:** 49.5%

## House Price Index (HM Land Registry)

*Official index for South West; Terraced series; as of May 2026.*

- **1y growth (index):** 2.2%
- **5y growth (index):** 16.8%
- **10y growth (index):** 38.5%

## 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 elevation.jpg kitchen.jpg rear elevation.jpg bathroom.jpg Bed 1.jpg bed 2.jpg garden.jpg lounge.jpg

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Property details

Tenure

FREEHOLD

Floor area

77 m²

Council tax band

EPC rating

Year built

England and Wales: 1996-2002

Last sold

£192,000 Jan 2026

Price per m²

£2,532/m²

Local average

£204,284 (-4.6%)

Deprivation

Decile 1 (3,374 of 33,755)

Street crime

564 incidents within 1 mile (Jun 2026)

Key features

Terraced House
3 Bedrooms
Lounge
Kitchen/Dining Area
Double glazing
Central Heating
Parking
No Onward Chain

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Parking: Yes
Garden: Yes
Flooded in last 5 years: No

Description

Nestled on Polden Street in the charming town of Bridgwater, this delightful mid-terrace house offers a perfect blend of comfort and convenience. With three well-proportioned bedrooms, this property is ideal for families or those seeking extra space.

One of the standout features of this home is its prime location, just a short stroll from the town centre and the train station, making it an excellent choice for commuters and those who enjoy the vibrancy of town life. The nearby amenities provide a variety of shops, cafes, and services, ensuring that everything you need is within easy reach.

Entrance Hall - Front door into entrance hall, stairs to first floor with storage under, radiator.

Downstairs Wc - Obscure double glazed window to front, radiator, low level w/c, radiator, pedestal wash hand basin.

Kitchen/Breakfast Area - 4.47m x 1.93m (14'8 x 6'4) - Double glazed window to the front. range of wall & base units with rolltop work surface over, wall mounted boiler, gas hob with extractor over, built in with electric oven, space & plumbing for washing machine, space for fridge / freezer, radiator.

Lounge - 4.67m x 4.06m (15'4 x 13'4) - Double glazed patio doors leading out to the rear garden, radiator.

Landing - Storage cupboard.

Bedroom 1 - 4.06m x 3.18m (13'4 x 10'5) - Double glazed window to front, radiator.

Bedroom 2 - 3.99m x 2.36m (13'1 x 7'9) - Double glazed window to rear, radiator, loft access.

Bedroom 3 - 3.40m x 1.68m (11'2 x 5'6) - Double glazed window to rear, radiator.

Family Bathroom - 2.01m x 1.96m (6'7 x 6'5) - Panel bath with electric shower over, pedestal wash hand basin, low level w/c radiator.

Rear Elevation -

Garden - Enclosed rear garden.

Parking -

Description - Nestled on Polden Street in the charming town of Bridgwater, this delightful mid-terrace house offers a perfect blend of comfort and convenience. With three well-proportioned bedrooms, this property is ideal for families or those seeking extra space.

One of the standout features of this home is its prime location, just a short stroll from the town centre and the train station, making it an excellent choice for commuters and those who enjoy the vibrancy of town life. The nearby amenities provide a variety of shops, cafes, and services, ensuring that everything you need is within easy reach.

Material Information... - Additional information not previously mentioned
•Mains electric & gas.
•Water metered.
•Gas Central Heating.
•Mains sewage.
•No flooding in the last 5 years.
•Broadband and Mobile signal or coverage in the area.

For an indication of specific speeds and supply or coverage in the area, we recommend potential buyers to use the
Ofcom checkers below:
checker.ofcom.org.uk/en-gb/mobile-coverage
checker.ofcom.org.uk/en-gb/broadband-coverage

Flood Information:
flood-map-for-planning.service.gov.uk/location

Listed by

Bridgwater

The Property Group (2010) Ltd

Reference: 87244305

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 07/02/2023

Expiry date: 06/02/2033

Current heating cost: £678/year

Potential heating cost: £678/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

2PoldenCourt-High (1).jpg

EPC Graphs

EE Rating

Price history

Event	Date	Price	% change
Sold	30/01/2026 (6 months ago)	£192,000	—

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
33 DEVONSHIRE STREET, BRIDGWATER, SOMERSET, TA6 5EP	£185,000	15/12/2025	Terraced
24 GORDON TERRACE, BRIDGWATER, SOMERSET, TA6 5JP	£170,250	03/12/2025	Terraced
87 WELLINGTON ROAD, BRIDGWATER, SOMERSET, TA6 5HA	£187,500	07/11/2025	Terraced
Same street 46 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EN	£112,500	28/07/2025	Terraced
Same street 52 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EN	£160,000	03/07/2025	Terraced
49 WELLINGTON ROAD, BRIDGWATER, SOMERSET, TA6 5EY	£158,095	20/12/2023	Terraced
1 GORDON TERRACE, BRIDGWATER, SOMERSET, TA6 5JP	£200,000	01/12/2023	Terraced
54 DEVONSHIRE STREET, BRIDGWATER, SOMERSET, TA6 5ES	£205,000	01/12/2023	Terraced
Same street 20 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EN	£162,000	13/11/2023	Terraced
98 WELLINGTON ROAD, BRIDGWATER, SOMERSET, TA6 5HA	£150,000	19/10/2023	Terraced
53 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EL	£140,000	29/09/2023	Terraced
110 ST JOHN STREET, BRIDGWATER, SOMERSET, TA6 5HZ	£125,000	11/08/2023	Terraced
10 EDWARD STREET, BRIDGWATER, SOMERSET, TA6 5EU	£112,000	26/07/2023	Terraced
53 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EL	£117,000	03/07/2023	Terraced
1 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EL	£150,000	30/05/2023	Terraced
76 POLDEN STREET, BRIDGWATER, SOMERSET, TA6 5EW	£165,000	05/04/2023	Terraced
78 BARCLAY STREET, BRIDGWATER, SOMERSET, TA6 5HP	£165,000	06/03/2023	Terraced
44 CRANLEIGH GARDENS, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5JS	£195,000	28/12/2022	Terraced
79 ST JOHN STREET, BRIDGWATER, SOMERSET, TA6 5HX	£160,000	20/12/2022	Terraced
Same street 34 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN	£127,500	12/12/2022	Terraced
Same street 34 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN	£127,500	12/12/2022	Flat
72 WELLINGTON ROAD, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EZ	£160,000	09/12/2022	Terraced
12 CHURCH STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5AS	£230,000	07/10/2022	Terraced
21 GORDON TERRACE, BRIDGWATER, SOMERSET, TA6 5JP	£222,500	05/10/2022	Terraced
28 GORDON TERRACE, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5JP	£213,000	26/08/2022	Terraced
Same street 28 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN	£142,000	20/01/2022	Terraced
Same street 42 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN	£120,000	06/01/2022	Terraced
Same street POLDEN COURT 4 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN	£190,000	30/11/2021	Terraced
Same street 2 POLDEN STREET, BRIDGWATER, SEDGEMOOR, SOMERSET, TA6 5EN	£172,500	17/11/2021	Semi-detached

Street average: £146,000 (9 sales)

Area average: £170,517 (20 sales)

Capital growth trend

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

5y growth 14.8%

10y growth 49.5%

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

1y (index) 2.2%

5y (index) 16.8%

10y (index) 38.5%

Rental Range

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

Low £1,113/mo

Realistic £1,237/mo

Optimistic £1,361/mo

Based on Region from postcode lookup → South West.

LHA (30th percentile) floor for Taunton & West Somerset: £848/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View TA6 5EN

Address

2 Polden Court

Nearby

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

Type	Name	Distance
Bus stop	Bay 5	0.2 miles
Train station	Bridgwater	0.2 miles
Bus stop	Unknown	0.2 miles
Shop	We Buy Any Car	0.2 miles
Shop	Argos	0.3 miles
Hospital	Bridgwater Community Hospital	1.2 miles
Train station	Westonzoyland	3.4 miles
Hospital	Unknown	6.9 miles

Street-level crime

Category	Count
Violence and sexual offences	219
Anti-social behaviour	106
Shoplifting	82
Criminal damage and arson	42
Public order	36
Other theft	19
Burglary	13
Other crime	11
Drugs	9
Vehicle crime	9
Robbery	8
Bicycle theft	6
Possession of weapons	3
Theft from the person	1
Total incidents	564

Within 1 mile during Jun 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
Eastover Primary School	Primary	0.1 miles	Good — 18 Dec 2017
The Bridge School Sedgemoor	Other	0.2 miles	Good — 24 Oct 2014
Bridgwater and Taunton College	Other	0.4 miles	— (No rating)
Northgate Primary School	Primary	0.5 miles	Good — 7 Apr 2022
Bridgwater College Academy	Other	0.6 miles	Requires improvement — 28 Jun 2023

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, Cranleigh Gardens, TA6	£1,300/mo	3	0.11 miles	OpenRent
3 Bed Detached House, Cavalier Close, TA6	£1,650/mo	3	0.83 miles	OpenRent

Average rent: £1,475/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.76%

Max investor price (0.8%) £184,375

Target investor price (1%) £147,500

Gross yield 9.1%

Cost-to-rent ratio 11×

Monthly cashflow £535/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 11.4%

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).