Sold STC Terraced

20 OXFORD STREET

ULVERSTON, WESTMORLAND AND FURNESS LA12 0AZ

2 beds 1 baths 764 sq ft Listed 16 Feb 2023 (-1203d)

£179,950

Reduced on 8 Sep 2023

Save

# 2 bedroom terraced house for sale (LA12 0AZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 20 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS LA12 0AZ |
| Price | £179,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 71 m² |
| Last sold | £160,000 Feb 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** B
- **Current heating cost:** £937/year
- **Est. upgrade cost to C:** £26,523

### Recommendations
- B (£500 - £1,500)
- W (£800 - £1,200)
- C (£15 - £30)
- D (£80 - £120)
- G (£350 - £450)
- I (£2,200 - £3,000)
- N (£4,000 - £6,000)
- O (£3,300 - £6,500)
- U (£9,000 - £14,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8484-7925-2570-6286-1902)

## Description

****REDUCED TO £179,950 ****

A recently renovated mid terrace house in the market town of Ulverston. The current owner has fitted a modern new kitchen and bathroom, decorated with whites and greys, with new flooring though out and newly fitted boiler and windows, This modern spacious house is ready to move straight into with out having to do anything to it. Outside there is a good sized rear patio yard with outhouse. A viewing is highly recommended to appreciate the size and presentation of this lovely home.

EPC Rating E

South Lakeland Council Tax Band B

All Services Mains

**Entrance Hall**

Access from the front door into the entrance hall. Door to the lounge and dining room. Stairs to the   first floor.

**Lounge** 3.45 x 2.95

Neutrally decorated, white walls and skirting board, enhancing grey carpet. Double glazed window to the front, radiator and built in storage.

**Dining Room** 3.45 x 3.48

This would make an ideal dining room or a second lounge, open to the kitchen and neutrally decorated with new grey carpet. This room also benefits from a floor to ceiling built in storage cupboard which we believe is original to the property.  Doorway to access to the cellar.

**Kitchen** 1.91 x 2.73

A newly fitted grained Dove Grey kitchen with a range of base and wall units, space for cooker and washing machine, fitted extractor fan. Stainless Steel one and half bowl sink set into the black worktops. Double glazed window and door opening in the rear patio yard.

**Cellar**

Access from the dining room into the cellar, with flagged floor, ceiling light and wall mounted radiator.

**Stairs To First Floor**

From the hallway, newly grey carpeted stairs to the first floor and landing.

**Bedroom** 3.46 x 3.97

A light bright double bedroom with double glazed window over looking the front, radiator, neutral decoration and grey carpet.

**Bedroom** 2.67 x 2.15

Double glazed window over looking the rear patio yard.

**Bathroom** 1.66 x 3.50

A beautifully presented modern bathroom, with white bath, sink and w/c. Panelled wall over the bath area, neutrally decorated walls and grey contrasting flooring. Built in storage cupboard which houses the new boiler.

**External**

To the rear is an enclosed patio yard, with gated access to the rear lane.

## Property Photos

- ![Main Picture](/listings/photos/86015877/601116) - Main Picture
- ![Lounge](/listings/photos/86015877/601117) - Lounge
- ![Dining Room](/listings/photos/86015877/601119) - Dining Room
- ![Kitchen](/listings/photos/86015877/601120) - Kitchen
- ![Cellar](/listings/photos/86015877/601122) - Cellar
- ![Bedroom](/listings/photos/86015877/601123) - Bedroom
- ![Bedroom](/listings/photos/86015877/601124) - Bedroom
- ![Bathroom](/listings/photos/86015877/601125) - Bathroom
- ![Photo](/listings/photos/86015877/601126)
- ![External](/listings/photos/86015877/601127) - External
- ![Photo](/listings/photos/86015877/601128)

## EPC Graphs

- ![EPC](/listings/photos/86015877/601130) - EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 20 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £160,000 | 21/02/2024 | 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 |
|---------|-------|------|------|
| 14 LIGHTBURN ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AU | £250,000 | 16/01/2026 | Terraced |
| 25 NEVILLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BJ | £320,000 | 17/12/2025 | Terraced |
| 23 ALEXANDER ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0DE | £370,000 | 02/10/2025 | Terraced |
| [Same street] 28 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £164,000 | 31/05/2024 | Terraced |
| [Same street] 41 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £150,000 | 23/11/2023 | Terraced |
| 3 ARGYLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BD | £190,000 | 05/09/2023 | Terraced |
| [Same street] 7 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £208,000 | 18/08/2023 | Terraced |
| [Same street] 22 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £168,000 | 04/05/2023 | Terraced |
| 36 HARTLEY STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AN | £220,000 | 27/04/2023 | Terraced |
| [Same street] 34 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £190,000 | 10/03/2023 | Terraced |
| 14 TYSON SQUARE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BG | £175,000 | 19/12/2022 | Terraced |
| 5 HILL FALL, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BQ | £215,000 | 09/12/2022 | Terraced |
| 3 BRADDYLL TERRACE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DH | £410,000 | 31/10/2022 | Terraced |
| [Same street] 26 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £183,100 | 28/10/2022 | Terraced |
| 62 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £280,000 | 27/10/2022 | Terraced |
| THE LAURELS 5 BROGDEN STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AH | £290,000 | 29/09/2022 | Terraced |
| 10 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £305,000 | 14/09/2022 | Terraced |
| 8 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £300,000 | 25/07/2022 | Terraced |
| 20 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS | £125,000 | 01/06/2022 | Terraced |
| 59 LIGHTBURN AVENUE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DL | £290,000 | 20/05/2022 | Terraced |
| 4 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £295,000 | 17/05/2022 | Terraced |
| 58 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £227,000 | 06/05/2022 | Terraced |
| 75 - 77 THE ELLERS, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AQ | £175,000 | 15/03/2022 | Terraced |
| 46 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £220,000 | 28/02/2022 | Terraced |
| [Same street] 38 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £235,000 | 25/02/2022 | Terraced |
| 23 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS | £195,000 | 24/02/2022 | Terraced |
| [Same street] 33 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £185,000 | 17/02/2022 | Terraced |
| 12 CHAPEL STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BA | £185,000 | 10/02/2022 | Terraced |
| [Same street] 25 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £127,500 | 20/08/2021 | Terraced |
| [Same street] 19 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £167,000 | 20/08/2021 | Terraced |

**Street average:** £177,760 (10 sales)
**Area average:** £251,850 (20 sales)

## Price vs local average

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

- **Local average:** £182,721 (33 Terraced, LA12, 2024–2026)
- **Deviation:** -1.5%

## Rental Range

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

- **Low:** £856/mo
- **Realistic:** £951/mo
- **Optimistic:** £1,046/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £648/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 Detached House, Trinkeld Avenue, LA12 | £1,050/mo | 2 | 1.26 miles | OpenRent |

**Average rent: £1,050/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.58% (weak for cashflow)
- **Max investor price (0.8%):** £131,250
- **Target investor price (1%):** £105,000

*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 £1,050/mo).*

- **Gross yield:** 7%
- **Cost-to-rent:** 14.3×
- **Monthly cashflow:** £211/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4.9%

*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:** £2,535/m²

## Capital growth trend

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

- **5y growth:** 77%
- **10y growth:** 31.3%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -1%
- **5y growth (index):** 24.4%
- **10y growth (index):** 69.9%

## 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)

Main Picture Lounge Dining Room Kitchen Cellar Bedroom Bedroom Bathroom Photo 9 External Photo 11

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Property details

Tenure

FREEHOLD

Floor area

71 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£160,000 Feb 2024

Price per m²

£2,535/m²

Local average

£182,721 (-1.5%)

Deprivation

Decile 5 (14,992 of 33,755)

Street crime

63 incidents within 1 mile (Mar 2026)

Additional details

Garden: Yes

Description

**REDUCED TO £179,950
A recently renovated mid terrace house in the market town of Ulverston. The current owner has fitted a modern new kitchen and bathroom, decorated with whites and greys, with new flooring though out and newly fitted boiler and windows, This modern spacious house is ready to move straight into with out having to do anything to it. Outside there is a good sized rear patio yard with outhouse. A viewing is highly recommended to appreciate the size and presentation of this lovely home.

EPC Rating E
South Lakeland Council Tax Band B
All Services Mains

Entrance Hall
Access from the front door into the entrance hall. Door to the lounge and dining room. Stairs to the first floor.

Lounge 3.45 x 2.95
Neutrally decorated, white walls and skirting board, enhancing grey carpet. Double glazed window to the front, radiator and built in storage.

Dining Room 3.45 x 3.48
This would make an ideal dining room or a second lounge, open to the kitchen and neutrally decorated with new grey carpet. This room also benefits from a floor to ceiling built in storage cupboard which we believe is original to the property. Doorway to access to the cellar.

Kitchen 1.91 x 2.73
A newly fitted grained Dove Grey kitchen with a range of base and wall units, space for cooker and washing machine, fitted extractor fan. Stainless Steel one and half bowl sink set into the black worktops. Double glazed window and door opening in the rear patio yard.

Cellar
Access from the dining room into the cellar, with flagged floor, ceiling light and wall mounted radiator.

Stairs To First Floor
From the hallway, newly grey carpeted stairs to the first floor and landing.

Bedroom 3.46 x 3.97
A light bright double bedroom with double glazed window over looking the front, radiator, neutral decoration and grey carpet.

Bedroom 2.67 x 2.15
Double glazed window over looking the rear patio yard.

Bathroom 1.66 x 3.50
A beautifully presented modern bathroom, with white bath, sink and w/c. Panelled wall over the bath area, neutrally decorated walls and grey contrasting flooring. Built in storage cupboard which houses the new boiler.

External**
To the rear is an enclosed patio yard, with gated access to the rear lane.

Listed by

Barrow

Home & Finance Ltd

Reference: 86015877

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: B

Inspection date: 06/05/2014

Current heating cost: £937/year

Potential heating cost: £527/year

Est. upgrade cost to C: £26,523

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

Recommendations

Cavity wall insulation (£500 - £1,500)
Floor insulation (£800 - £1,200)
Increase hot water cylinder insulation (£15 - £30)
Draughtproof single-glazed windows (£80 - £120)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
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 (£9,000 - £14,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC

Price history

Event	Date	Price	% change
Sold	21/02/2024 (2 years ago)	£160,000	—

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
14 LIGHTBURN ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AU	£250,000	16/01/2026	Terraced
25 NEVILLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BJ	£320,000	17/12/2025	Terraced
23 ALEXANDER ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0DE	£370,000	02/10/2025	Terraced
Same street 28 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£164,000	31/05/2024	Terraced
Same street 41 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£150,000	23/11/2023	Terraced
3 ARGYLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BD	£190,000	05/09/2023	Terraced
Same street 7 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£208,000	18/08/2023	Terraced
Same street 22 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£168,000	04/05/2023	Terraced
36 HARTLEY STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AN	£220,000	27/04/2023	Terraced
Same street 34 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£190,000	10/03/2023	Terraced
14 TYSON SQUARE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BG	£175,000	19/12/2022	Terraced
5 HILL FALL, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BQ	£215,000	09/12/2022	Terraced
3 BRADDYLL TERRACE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DH	£410,000	31/10/2022	Terraced
Same street 26 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£183,100	28/10/2022	Terraced
62 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN	£280,000	27/10/2022	Terraced
THE LAURELS 5 BROGDEN STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AH	£290,000	29/09/2022	Terraced
10 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE	£305,000	14/09/2022	Terraced
8 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE	£300,000	25/07/2022	Terraced
20 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS	£125,000	01/06/2022	Terraced
59 LIGHTBURN AVENUE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DL	£290,000	20/05/2022	Terraced
4 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE	£295,000	17/05/2022	Terraced
58 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN	£227,000	06/05/2022	Terraced
75 - 77 THE ELLERS, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AQ	£175,000	15/03/2022	Terraced
46 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN	£220,000	28/02/2022	Terraced
Same street 38 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£235,000	25/02/2022	Terraced
23 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS	£195,000	24/02/2022	Terraced
Same street 33 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£185,000	17/02/2022	Terraced
12 CHAPEL STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BA	£185,000	10/02/2022	Terraced
Same street 25 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£127,500	20/08/2021	Terraced
Same street 19 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£167,000	20/08/2021	Terraced

Street average: £177,760 (10 sales)

Area average: £251,850 (20 sales)

Capital growth trend

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

5y growth 77%

10y growth 31.3%

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

1y (index) -1%

5y (index) 24.4%

10y (index) 69.9%

Rental Range

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

Low £856/mo

Realistic £951/mo

Optimistic £1,046/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for Kendal: £648/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View LA12 0AZ

Nearby

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

Type	Name	Distance
Shop	Devonshire Service Station	0.1 miles
Shop	DEL Bedroom, Bathroom & Kitchens	0.1 miles
Bus stop	Victoria Road Stand G	0.1 miles
Bus stop	Victoria Road Stand E	0.2 miles
Train station	Ulverston	0.3 miles
Train station	Dalton	4.5 miles
Hospital	Furness General Hospital	6.2 miles
Hospital	Millom Community Hospital	7.3 miles

Street-level crime

Category	Count
Violence and sexual offences	37
Public order	5
Other crime	4
Vehicle crime	4
Anti-social behaviour	3
Other theft	3
Shoplifting	3
Burglary	1
Criminal damage and arson	1
Possession of weapons	1
Theft from the person	1
Total incidents	63

Within 1 mile during Mar 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
Sir John Barrow School	Primary	0.0 miles	Outstanding — 9 May 2023
St Mary's Catholic Primary School, Ulverston	Primary	0.3 miles	Good — 15 Dec 2010
Ulverston Victoria High School	Secondary	0.4 miles	Good — 18 Dec 2013
Church Walk CofE Primary School	Primary	0.4 miles	Good — 1 Feb 2017
Croftlands Infant School	Primary	0.8 miles	Good — 15 Jan 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
2 Bed Detached House, Trinkeld Avenue, LA12	£1,050/mo	2	1.26 miles	OpenRent

Average rent: £1,050/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.58%

Max investor price (0.8%) £131,250

Target investor price (1%) £105,000

Gross yield 7%

Cost-to-rent ratio 14.3×

Monthly cashflow £211/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 4.9%

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).