Sold STC Terraced

37 HOWITT STREET

HEANOR, DERBYSHIRE DE75 7AU

2 beds Listed 22 May 2015 (-4077d)

£97,500

Save

# 2 bedroom terraced house for sale (DE75 7AU)

## Property Details

| Key | Value |
|-----|-------|
| Address | 37 HOWITT STREET, HEANOR, DERBYSHIRE DE75 7AU |
| Price | £97,500 |
| Bedrooms | 2 |
| Last sold | £93,000 Nov 2015 |

## Description

**SUMMARY**

DECEPTIVELY SPACIOUS Family Home with a potential THIRD bedroom *** Well Presented ** BEAUTIFULLY PRESENTED GENEROUS REAR GARDEN *** Two Reception Rooms *** NO UPWARD CHAIN *** Viewing Essential

**DESCRIPTION**

More than a terraced home, this property offers ample living space with its generously sized rooms, a potential third bedroom and a larger than average rear garden. Howitt Street is ideally located in close proximity to a wide range of local amenities including shops, schools, bus routes and major road links. In brief, the internal accommodation offers a lounge, inner hallway with storage room, dining room and fully fitted breakfast kitchen. To the first floor are two double bedrooms and a family bathroom fitted with a three piece suite. A second staircase from the landing leads to the loft room (potential third bedroom) that has velux windows and houses the combi boiler. To the front of the property the gated walled garden leads to the front door. The generously sized rear garden is well maintained with a lawn, planted borders and patio areas. Viewing is highly recommended to fully appreciate the accommodation on offer.

**Lounge** 13' 8" Into Chimney Recess x 11' 5" ( 4.17m Into Chimney Recess x 3.48m )

uPVC double glazed entrance door and window to front elevation, gas fire with hearth and surround, radiator and door to:

**Hallway**

With stairs to first floor and a generous under-stairs storage cupboard.

**Dining Room** 13' 9" Into Chimney Recess x 12' 5" ( 4.19m Into Chimney Recess x 3.78m )

uPVC double glazed window to rear elevation and door to:

**Kitchen** 17' 5" x 6' 8" ( 5.31m x 2.03m )

Fitted with a range of matching wall and base units with roll-top work surfaces incorporating a sink and drainer unit with mixer tap, built-in oven, four ring gas hob with cooker hood over, space for further appliances and complimentary tiled splash backs. Tiled floor, two uPVC double glazed windows to side elevation and uPVC double glazed door to rear garden.

**First Floor Landing**

Spotlights to ceiling, staircase to second floor (loft room) and doors to:

**Bedroom One** 13' 9" Into chimney recess x 11' 5" ( 4.19m Into chimney recess x 3.48m )

Two uPVC double glazed windows to front and radiator.

**Bedroom Two** 12' 4" x 10' 10" Into chimney recess ( 3.76m x 3.30m Into chimney recess )

uPVC double glazed window to rear and radiator.

**Bathroom**

Fitted with a corner bath, low level WC and pedestal hand wash basin, uPVC double glazed opaque window to rear, wall mounted heated towel rail, half tiled walls and spotlights to ceiling.

**Second Floor**

**Loft Room** 17' 2" max x 10' 6" max ( 5.23m max x 3.20m max )

Potential to convert to a third bedroom; fitted with two sky light windows and wall mounted combi boiler.

**Rear Garden**

The generously sized enclosed rear garden offers a block paved patio with dwarf walled boundary and the remainder is laid to lawn with mature planted boarders, a range of fruit trees and enclosed by fenced boundary's.

1. MONEY LAUNDERING REGULATIONS - Intending purchasers will be asked to produce identification documentation at a later stage and we would ask for your co-operation in order that there will be no delay in agreeing the sale.

2. These particulars do not constitute part or all of an offer or contract.

3. The measurements indicated are supplied for guidance only and as such must be considered incorrect.

4. Potential buyers are advised to recheck the measurements before committing to any expense.

5. Burchell Edwards has not tested any apparatus, equipment, fixtures, fittings or services and it is the buyers interests to check the working condition of any appliances.

6. Burchell Edwards has not sought to verify the legal title of the property and the buyers must obtain verification from their solicitor.

## Property Photos

- ![Photo](/listings/photos/52379492/1277063)
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- ![Photo](/listings/photos/52379492/1277125)

## Floorplans

- ![Floorplan 1](/listings/photos/52379492/1277130) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/52379492/1277134) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 37 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £93,000 | 16/11/2015 | Terraced |
| 37 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £82,000 | 22/09/2009 | Terraced |
| 37 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £86,000 | 01/05/2009 | 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 |
|---------|-------|------|------|
| 34 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT | £155,000 | 14/11/2025 | Terraced |
| 46 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AY | £110,000 | 14/12/2023 | Terraced |
| 16 OAKLANDS AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BB | £135,000 | 08/12/2023 | Terraced |
| 91 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £120,000 | 01/12/2023 | Terraced |
| 14 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT | £150,000 | 30/11/2023 | Terraced |
| 104 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £138,000 | 24/11/2023 | Terraced |
| 54 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ | £225,000 | 23/11/2023 | Terraced |
| 66 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £180,000 | 27/10/2023 | Terraced |
| 10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ | £215,000 | 19/04/2023 | Terraced |
| [Same street] 33 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £105,000 | 30/03/2023 | Semi-detached |
| [Same street] 26 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £140,000 | 10/03/2023 | Terraced |
| 12 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AJ | £235,000 | 24/02/2023 | Terraced |
| [Same street] 61 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £205,000 | 06/01/2023 | Semi-detached |
| 10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ | £210,000 | 30/11/2022 | Terraced |
| 55 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB | £185,000 | 25/11/2022 | Terraced |
| 100 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AW | £140,000 | 24/11/2022 | Terraced |
| 21 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX | £142,000 | 30/09/2022 | Terraced |
| 98A HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA | £143,000 | 15/09/2022 | Terraced |
| 15 NEWTON DRIVE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TQ | £170,000 | 29/07/2022 | Terraced |
| 63 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ | £160,000 | 13/07/2022 | Terraced |
| 9 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB | £170,000 | 22/04/2022 | Terraced |
| [Same street] 24 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £112,000 | 04/04/2022 | Semi-detached |
| 31 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT | £367,500 | 31/03/2022 | Terraced |
| 5 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX | £103,000 | 17/03/2022 | Terraced |
| [Same street] 69 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £250,000 | 20/12/2021 | Semi-detached |
| [Same street] 14 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £115,000 | 21/10/2021 | Terraced |
| [Same street] 23 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU | £121,000 | 09/08/2021 | Terraced |

**Street average:** £149,714 (7 sales)
**Area average:** £172,675 (20 sales)

## Price vs local average

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

- **Local average:** £130,873 (28 Terraced, DE75, 2024–2026)
- **Deviation:** -25.5%

## Rental Range

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

- **Low:** £710/mo
- **Realistic:** £789/mo
- **Optimistic:** £868/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £593/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 |
|------|------|------|------|------|
| 2 Bed Terraced House, Peel Street, NG16 | £850/mo | 2 | 0.38 miles | OpenRent |

**Average rent: £850/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.87% (okay)
- **Max investor price (0.8%):** £106,250
- **Target investor price (1%):** £85,000

*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 £850/mo).*

- **Gross yield:** 10.5%
- **Cost-to-rent:** 9.6×
- **Monthly cashflow:** £356/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 15.1%

*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).*

## Capital growth trend

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

- **5y growth:** 2.8%
- **10y growth:** 13.2%

## House Price Index (HM Land Registry)

*Official index for Amber Valley; Terraced series; as of April 2026.*

- **1y growth (index):** 5.8%
- **5y growth (index):** 22.8%
- **10y growth (index):** 67.2%

## 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)

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Property details

Tenure

FREEHOLD

Last sold

£93,000 Nov 2015

Local average

£130,873 (-25.5%)

Deprivation

Decile 6 (19,653 of 33,755)

Street crime

255 incidents within 1 mile (May 2026)

Key features

Mid Terrace
Two Double Bedrooms
Potential for Third Bedroom
Fitted Breakfast Kitchen
Fitted Upstairs Family Bathroom
Generous Rear Garden
Two Reception Rooms
Popular Location
No Upward Chain

Additional details

Garden: Yes

Description

SUMMARY
DECEPTIVELY SPACIOUS Family Home with a potential THIRD bedroom * Well Presented BEAUTIFULLY PRESENTED GENEROUS REAR GARDEN * Two Reception Rooms * NO UPWARD CHAIN * Viewing Essential

DESCRIPTION
More than a terraced home, this property offers ample living space with its generously sized rooms, a potential third bedroom and a larger than average rear garden. Howitt Street is ideally located in close proximity to a wide range of local amenities including shops, schools, bus routes and major road links. In brief, the internal accommodation offers a lounge, inner hallway with storage room, dining room and fully fitted breakfast kitchen. To the first floor are two double bedrooms and a family bathroom fitted with a three piece suite. A second staircase from the landing leads to the loft room (potential third bedroom) that has velux windows and houses the combi boiler. To the front of the property the gated walled garden leads to the front door. The generously sized rear garden is well maintained with a lawn, planted borders and patio areas. Viewing is highly recommended to fully appreciate the accommodation on offer.

Lounge 13' 8" Into Chimney Recess x 11' 5" ( 4.17m Into Chimney Recess x 3.48m )
uPVC double glazed entrance door and window to front elevation, gas fire with hearth and surround, radiator and door to:

Hallway
With stairs to first floor and a generous under-stairs storage cupboard.

Dining Room 13' 9" Into Chimney Recess x 12' 5" ( 4.19m Into Chimney Recess x 3.78m )
uPVC double glazed window to rear elevation and door to:

Kitchen 17' 5" x 6' 8" ( 5.31m x 2.03m )
Fitted with a range of matching wall and base units with roll-top work surfaces incorporating a sink and drainer unit with mixer tap, built-in oven, four ring gas hob with cooker hood over, space for further appliances and complimentary tiled splash backs. Tiled floor, two uPVC double glazed windows to side elevation and uPVC double glazed door to rear garden.

First Floor Landing
Spotlights to ceiling, staircase to second floor (loft room) and doors to:

Bedroom One 13' 9" Into chimney recess x 11' 5" ( 4.19m Into chimney recess x 3.48m )
Two uPVC double glazed windows to front and radiator.

Bedroom Two 12' 4" x 10' 10" Into chimney recess ( 3.76m x 3.30m Into chimney recess )
uPVC double glazed window to rear and radiator.

Bathroom
Fitted with a corner bath, low level WC and pedestal hand wash basin, uPVC double glazed opaque window to rear, wall mounted heated towel rail, half tiled walls and spotlights to ceiling.

Second Floor

Loft Room 17' 2" max x 10' 6" max ( 5.23m max x 3.20m max )
Potential to convert to a third bedroom; fitted with two sky light windows and wall mounted combi boiler.

Rear Garden**
The generously sized enclosed rear garden offers a block paved patio with dwarf walled boundary and the remainder is laid to lawn with mature planted boarders, a range of fruit trees and enclosed by fenced boundary's.

1. MONEY LAUNDERING REGULATIONS - Intending purchasers will be asked to produce identification documentation at a later stage and we would ask for your co-operation in order that there will be no delay in agreeing the sale.
2. These particulars do not constitute part or all of an offer or contract.
3. The measurements indicated are supplied for guidance only and as such must be considered incorrect.
4. Potential buyers are advised to recheck the measurements before committing to any expense.
5. Burchell Edwards has not tested any apparatus, equipment, fixtures, fittings or services and it is the buyers interests to check the working condition of any appliances.
6. Burchell Edwards has not sought to verify the legal title of the property and the buyers must obtain verification from their solicitor.

Listed by

Eastwood

Connells

Reference: 52379492

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

Price history

8% since 2009

Event	Date	Price	% change
Sold	16/11/2015 (10 years ago)	£93,000	+13.4%
Sold	22/09/2009 (16 years ago)	£82,000	-4.7%
Sold	01/05/2009 (17 years ago)	£86,000	—

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
34 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT	£155,000	14/11/2025	Terraced
46 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AY	£110,000	14/12/2023	Terraced
16 OAKLANDS AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BB	£135,000	08/12/2023	Terraced
91 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£120,000	01/12/2023	Terraced
14 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT	£150,000	30/11/2023	Terraced
104 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£138,000	24/11/2023	Terraced
54 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ	£225,000	23/11/2023	Terraced
66 HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£180,000	27/10/2023	Terraced
10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ	£215,000	19/04/2023	Terraced
Same street 33 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£105,000	30/03/2023	Semi-detached
Same street 26 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£140,000	10/03/2023	Terraced
12 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AJ	£235,000	24/02/2023	Terraced
Same street 61 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£205,000	06/01/2023	Semi-detached
10 BUTCHERS WAY, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7WQ	£210,000	30/11/2022	Terraced
55 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB	£185,000	25/11/2022	Terraced
100 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AW	£140,000	24/11/2022	Terraced
21 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX	£142,000	30/09/2022	Terraced
98A HOLBROOK STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7BA	£143,000	15/09/2022	Terraced
15 NEWTON DRIVE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TQ	£170,000	29/07/2022	Terraced
63 MANSFIELD ROAD, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AQ	£160,000	13/07/2022	Terraced
9 STONE AVENUE, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7TB	£170,000	22/04/2022	Terraced
Same street 24 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£112,000	04/04/2022	Semi-detached
31 MARSHALL STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AT	£367,500	31/03/2022	Terraced
5 STARTHE BANK, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AX	£103,000	17/03/2022	Terraced
Same street 69 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£250,000	20/12/2021	Semi-detached
Same street 14 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£115,000	21/10/2021	Terraced
Same street 23 HOWITT STREET, HEANOR, AMBER VALLEY, DERBYSHIRE, DE75 7AU	£121,000	09/08/2021	Terraced

Street average: £149,714 (7 sales)

Area average: £172,675 (20 sales)

Capital growth trend

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

5y growth 2.8%

10y growth 13.2%

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

1y (index) 5.8%

5y (index) 22.8%

10y (index) 67.2%

Rental Range

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

Low £710/mo

Realistic £789/mo

Optimistic £868/mo

Based on Local Authority from postcode lookup → Amber Valley.

LHA (30th percentile) floor for Derby: £593/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View DE75 7AU

Nearby

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

Type	Name	Distance
Shop	Henry Simms	0.1 miles
Shop	The Mortgage Zone	0.1 miles
Bus stop	Marshall Street	0.1 miles
Train station	Langley Mill	0.6 miles
Train station	Ilkeston	3.3 miles
University	Clinical Sciences	8.0 miles
University	Britannia Mill	8.7 miles
Hospital	Priory Hospital Nottingham	9.4 miles
Hospital	Kings Mill Hospital	9.5 miles

Street-level crime

Category	Count
Violence and sexual offences	99
Anti-social behaviour	49
Public order	25
Criminal damage and arson	21
Shoplifting	19
Other theft	12
Drugs	8
Burglary	7
Other crime	5
Vehicle crime	5
Possession of weapons	4
Theft from the person	1
Total incidents	255

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
Laceyfields Academy	Primary	0.4 miles	Good — 24 Sep 2023
Jasmine House School	Other	0.4 miles	Good — 30 Nov 2023
Langley Mill Church of England Infant School and Nursery	Primary	0.4 miles	Good — 13 Dec 2010
Marlpool Junior School	Primary	0.4 miles	Good — 13 Nov 2022
Marlpool Infant School	Primary	0.5 miles	Good — 15 Apr 2015

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
2 Bed Terraced House, Peel Street, NG16	£850/mo	2	0.38 miles	OpenRent

Average rent: £850/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.87%

Max investor price (0.8%) £106,250

Target investor price (1%) £85,000

Gross yield 10.5%

Cost-to-rent ratio 9.6×

Monthly cashflow £356/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 15.1%

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).