Sold STC Flat

APARTMENT 104

WEXLER LOFTS, 100, CARVER STREET, BIRMINGHAM, WEST MIDLANDS B1 3AQ

1 beds 1 baths 55 m² Listed 4 Jun 2023 (-1156d)

£235,000

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# 1 bedroom apartment for sale (B1 3AQ)

## Property Details

| Key | Value |
|-----|-------|
| Address | APARTMENT 104, WEXLER LOFTS, 100, CARVER STREET, BIRMINGHAM, WEST MIDLANDS B1 3AQ |
| Price | £235,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Last sold | £227,000 Jan 2024 |

## Description

**DESCRIPTION** **** James Laurence are pleased to present an immaculately presented, individual designed one bedroom loft apartment in the sought after Wexler lofts development. The property spans over 696 Sq. Ft. and comprises of:- An entrance hall, open plan living & kitchen area fitted with a top of the range kitchen with freestanding appliances, master bedroom with built in wardrobes, family bathroom and boasts a secured and allocated parking space.

The property also benefits from large picture windows, high ceilings, exposed brickwork, solid flooring and a daytime concierge service.

A must view to avoid disappointment!

**ENTRANCE** **HALL** ****

**OPEN** **PLAN** **LIVING** **&** **KITCHEN** **AREA** **26' 1" x 16' 7" (7.95m x 5.05m)**

**MASTER** **BEDROOM** **15' 4" x 9' 9" (4.67m x 2.97m)**

**FAMILY** **BATHROOM** ****

**PARKING** **** The property boasts one secure and allocated parking space.

**LOCATION** **** The property is located in the heart of Birmingham's Jewellery Quarter.

The Jewellery Quarter is a designated conservation area and proposed World Heritage Site and is already a prestigious and highly desired part of Birmingham. It is experiencing further development as some of the old factories are converted into apartments, restaurants and shops. It is only a short distance to all that Birmingham City Centre has to offer including the Colmore Business District.

**JAMES** **LAURENCE** **ESTATE** **AGENTS** **** Agents Note: We have not tested any of the electrical, central heating or sanitary ware appliances. Purchasers should make their own investigations as to the workings of the relevant items. Floor plans are for identification purposes only and not to scale. All room measurements and mileages quoted in these sales particulars are approximate. All material information stated below has been provided by our client, but we would request all information to be verified by the purchaser's chosen solicitor.

Fixtures and Fittings: All those items mentioned in these particulars by way of fixtures and fittings are deemed to be included in the sale price. Others, if any, are excluded. However, we would always advise that this is confirmed by the purchaser at the point of offer.

Tenure: Leasehold

Services: All mains' services are connected to the property.

Local Authority: Birmingham City Council

Council Tax Band - D

Service Charge -  £1960.00 Per Annum

Ground Rent -  £250.00 Per Annum (For the Apartment) & £50.00 Per Annum (For the Parking). So in total £300.00 Per Annum.

Ground Rent Review Period - TBC

Length of Lease - 105 Years Remaining (125 Years from 1st March 2002)

To complete our comprehensive service, James Laurence Estate Agents is pleased to offer the following:-

Free Valuation: Please contact the office on to make an appointment.

Residential Lettings and Management: If you are interested in letting out your property or are considering renting a property, please contact our office to find out further information.

Conveyancing: Very competitively priced rates agreed with our panel of local experienced and respected Solicitors. Please contact this office for further details.

Financial Services: James Laurene Estate Agents work with an independent Mortgage Service offering face to face mortgage advice to suit your needs. Please contact the office on to make a free appointment.

## Property Photos

- ![Photo](/listings/photos/135685211/1629879)
- ![Photo](/listings/photos/135685211/1629881)
- ![Photo](/listings/photos/135685211/1629882)
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- ![Photo](/listings/photos/135685211/1629886)
- ![Photo](/listings/photos/135685211/1629887)
- ![Photo](/listings/photos/135685211/1629888)
- ![Photo](/listings/photos/135685211/1629889)
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- ![Photo](/listings/photos/135685211/1629893)
- ![Photo](/listings/photos/135685211/1629895)

## Floorplans

- ![Floorplan 1](/listings/photos/135685211/1629897) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/135685211/1629900) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| WEXLER LOFTS, 100 APARTMENT 104 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £227,000 | 22/01/2024 | Flat |
| WEXLER LOFTS, 100 APARTMENT 104 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £200,000 | 08/03/2017 | Flat |
| WEXLER LOFTS, 100 APARTMENT 104 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £129,000 | 12/12/2014 | Flat |
| WEXLER LOFTS, 100 APARTMENT 104 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £100,000 | 10/07/2009 | Flat |
| WEXLER LOFTS, 100 APARTMENT 104 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £143,500 | 27/04/2007 | Flat |
| WEXLER LOFTS, 100 APARTMENT 104 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £130,000 | 27/01/2006 | Flat |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| TREASURE HOUSE, 4 APARTMENT 10 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3ER | £157,000 | 28/11/2025 | Flat |
| AMAZON LOFTS APARTMENT 321 TENBY STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AJ | £143,000 | 26/11/2025 | Flat |
| TREASURE HOUSE, 4 APARTMENT 17 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3ER | £265,000 | 01/08/2025 | Flat |
| WEXLER LOFTS, 100 APARTMENT 214 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £230,000 | 11/07/2025 | Flat |
| WEXLER LOFTS, 100 APARTMENT 124 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £245,000 | 28/06/2024 | Flat |
| WEXLER LOFTS, 100 APARTMENT 410 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £235,000 | 15/05/2024 | Flat |
| WEXLER LOFTS, 100 APARTMENT 302 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £230,000 | 07/02/2024 | Flat |
| WEXLER LOFTS, 100 APARTMENT 306 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £205,000 | 20/12/2023 | Flat |
| ORB APARTMENT 5 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AP | £228,500 | 30/11/2023 | Flat |
| SYDENHAM PLACE, 19C TENBY STREET NORTH, BIRMINGHAM, WEST MIDLANDS, B1 3EN | £115,000 | 10/11/2023 | Flat |
| METALWORKS APARTMENTS, 91 71 WARSTONE LANE, BIRMINGHAM, WEST MIDLANDS, B18 6PG | £216,500 | 08/11/2023 | Flat |
| TREASURE HOUSE, 1 THE BASEMENT CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AS | £33,500 | 30/10/2023 | Flat |
| 39 APARTMENT 403 POWELL STREET, BIRMINGHAM, WEST MIDLANDS, B1 3DH | £120,000 | 16/10/2023 | Flat |
| ORB, 6 APARTMENT 71 TENBY STREET, BIRMINGHAM, WEST MIDLANDS, B1 3EL | £210,000 | 13/10/2023 | Flat |
| WEXLER LOFTS, 100 APARTMENT 218 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £240,000 | 04/09/2023 | Flat |
| ALBION COURT 101 ALBION STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AA | £245,000 | 25/08/2023 | Flat |
| SUMMER HOUSE, 95 APARTMENT 303 POPE STREET, BIRMINGHAM, WEST MIDLANDS, B1 3BJ | £170,000 | 28/07/2023 | Flat |
| 34 APARTMENT 2 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AS | £168,000 | 30/06/2023 | Flat |
| WEXLER LOFTS, 100 APARTMENT 140 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £170,000 | 27/04/2023 | Flat |
| WEXLER LOFTS, 100 PENTHOUSE 4 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ | £240,000 | 17/02/2023 | Flat |

**Area average:** £193,325 (20 sales)

## Price vs local average

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

- **Local average:** £172,333 (39 Flat, B1, 2024–2026)
- **Deviation:** +36.4%

## Rental Range

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

- **Low:** £981/mo
- **Realistic:** £1,090/mo
- **Optimistic:** £1,199/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £693/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 |
|------|------|------|------|------|
| Studio Flat, Kettleworks, B1 | £850/mo | 1 | 0.14 miles | OpenRent |
| 1 Bed Flat, Spencer Point, B18 | £2,000/mo | 1 | 0.25 miles | OpenRent |
| 1 Bed Flat, Spencer Point, B18 | £2,250/mo | 1 | 0.25 miles | OpenRent |
| 1 Bed Flat, Spencer Point, B18 | £2,250/mo | 1 | 0.25 miles | OpenRent |
| 1 Bed Flat, Spencer Point, B18 | £2,250/mo | 1 | 0.25 miles | OpenRent |

**Average rent: £1,920/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.96% (okay)
- **Max investor price (0.8%):** £281,250
- **Target investor price (1%):** £225,000

*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 £2,250/mo).*

- **Gross yield:** 11.5%
- **Cost-to-rent:** 8.7×
- **Monthly cashflow:** £1,075/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 18.9%

*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).*

## Capital growth trend

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

- **5y growth:** -26.5%
- **10y growth:** -11%

## House Price Index (HM Land Registry)

*Official index for Birmingham; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -2.6%
- **5y growth (index):** 5%
- **10y growth (index):** 36.2%

## Flood risk

- **Zone:** 2
- **Risk:** In flood risk area
- **Source:** Environment Agency Flood Risk Areas (APSFR)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8 Photo 9 Photo 10 Photo 11

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Property details

Tenure

LEASEHOLD

Floor area

55 m²

Last sold

£227,000 Jan 2024

Local average

£172,333 (+36.4%)

Street crime

1630 incidents within 1 mile (May 2026)

Key features

One-Bedroom Apartment
Secured & Allocated Parking
Loft-Style With Exposed Brick
696 Sq, Ft,
Split Level Living
High Ceilings
High Specification Finish
**EWS1 FORM GRANTED**
Individual Designed Apartment
Popular Jewellery Quarter Location

Additional details

Parking: Off street, Allocated

Description

DESCRIPTION ** James Laurence are pleased to present an immaculately presented, individual designed one bedroom loft apartment in the sought after Wexler lofts development. The property spans over 696 Sq. Ft. and comprises of:- An entrance hall, open plan living & kitchen area fitted with a top of the range kitchen with freestanding appliances, master bedroom with built in wardrobes, family bathroom and boasts a secured and allocated parking space.
The property also benefits from large picture windows, high ceilings, exposed brickwork, solid flooring and a daytime concierge service.
A must view to avoid disappointment!

ENTRANCE HALL

OPEN PLAN LIVING & KITCHEN AREA 26' 1" x 16' 7" (7.95m x 5.05m)

MASTER BEDROOM 15' 4" x 9' 9" (4.67m x 2.97m)

FAMILY BATHROOM

PARKING The property boasts one secure and allocated parking space.

LOCATION The property is located in the heart of Birmingham's Jewellery Quarter.

The Jewellery Quarter is a designated conservation area and proposed World Heritage Site and is already a prestigious and highly desired part of Birmingham. It is experiencing further development as some of the old factories are converted into apartments, restaurants and shops. It is only a short distance to all that Birmingham City Centre has to offer including the Colmore Business District.

JAMES LAURENCE ESTATE AGENTS ** Agents Note: We have not tested any of the electrical, central heating or sanitary ware appliances. Purchasers should make their own investigations as to the workings of the relevant items. Floor plans are for identification purposes only and not to scale. All room measurements and mileages quoted in these sales particulars are approximate. All material information stated below has been provided by our client, but we would request all information to be verified by the purchaser's chosen solicitor.

Fixtures and Fittings: All those items mentioned in these particulars by way of fixtures and fittings are deemed to be included in the sale price. Others, if any, are excluded. However, we would always advise that this is confirmed by the purchaser at the point of offer.

Tenure: Leasehold

Services: All mains' services are connected to the property.

Local Authority: Birmingham City Council

Council Tax Band - D

Service Charge - £1960.00 Per Annum

Ground Rent - £250.00 Per Annum (For the Apartment) & £50.00 Per Annum (For the Parking). So in total £300.00 Per Annum.

Ground Rent Review Period - TBC

Length of Lease - 105 Years Remaining (125 Years from 1st March 2002)

To complete our comprehensive service, James Laurence Estate Agents is pleased to offer the following:-

Free Valuation: Please contact the office on to make an appointment.

Residential Lettings and Management: If you are interested in letting out your property or are considering renting a property, please contact our office to find out further information.

Conveyancing: Very competitively priced rates agreed with our panel of local experienced and respected Solicitors. Please contact this office for further details.

Financial Services: James Laurene Estate Agents work with an independent Mortgage Service offering face to face mortgage advice to suit your needs. Please contact the office on to make a free appointment.

Listed by

Birmingham

James Laurence Estate Agents

Reference: 135685211

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 2

Risk: In flood risk area

Environment Agency Flood Risk Areas (APSFR)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

Price history

75% since 2006

Event	Date	Price	% change
Sold	22/01/2024 (2 years ago)	£227,000	+13.5%
Sold	08/03/2017 (9 years ago)	£200,000	+55%
Sold	12/12/2014 (11 years ago)	£129,000	+29%
Sold	10/07/2009 (17 years ago)	£100,000	-30.3%
Sold	27/04/2007 (19 years ago)	£143,500	+10.4%
Sold	27/01/2006 (20 years ago)	£130,000	—

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
TREASURE HOUSE, 4 APARTMENT 10 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3ER	£157,000	28/11/2025	Flat
AMAZON LOFTS APARTMENT 321 TENBY STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AJ	£143,000	26/11/2025	Flat
TREASURE HOUSE, 4 APARTMENT 17 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3ER	£265,000	01/08/2025	Flat
WEXLER LOFTS, 100 APARTMENT 214 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£230,000	11/07/2025	Flat
WEXLER LOFTS, 100 APARTMENT 124 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£245,000	28/06/2024	Flat
WEXLER LOFTS, 100 APARTMENT 410 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£235,000	15/05/2024	Flat
WEXLER LOFTS, 100 APARTMENT 302 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£230,000	07/02/2024	Flat
WEXLER LOFTS, 100 APARTMENT 306 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£205,000	20/12/2023	Flat
ORB APARTMENT 5 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AP	£228,500	30/11/2023	Flat
SYDENHAM PLACE, 19C TENBY STREET NORTH, BIRMINGHAM, WEST MIDLANDS, B1 3EN	£115,000	10/11/2023	Flat
METALWORKS APARTMENTS, 91 71 WARSTONE LANE, BIRMINGHAM, WEST MIDLANDS, B18 6PG	£216,500	08/11/2023	Flat
TREASURE HOUSE, 1 THE BASEMENT CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AS	£33,500	30/10/2023	Flat
39 APARTMENT 403 POWELL STREET, BIRMINGHAM, WEST MIDLANDS, B1 3DH	£120,000	16/10/2023	Flat
ORB, 6 APARTMENT 71 TENBY STREET, BIRMINGHAM, WEST MIDLANDS, B1 3EL	£210,000	13/10/2023	Flat
WEXLER LOFTS, 100 APARTMENT 218 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£240,000	04/09/2023	Flat
ALBION COURT 101 ALBION STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AA	£245,000	25/08/2023	Flat
SUMMER HOUSE, 95 APARTMENT 303 POPE STREET, BIRMINGHAM, WEST MIDLANDS, B1 3BJ	£170,000	28/07/2023	Flat
34 APARTMENT 2 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AS	£168,000	30/06/2023	Flat
WEXLER LOFTS, 100 APARTMENT 140 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£170,000	27/04/2023	Flat
WEXLER LOFTS, 100 PENTHOUSE 4 CARVER STREET, BIRMINGHAM, WEST MIDLANDS, B1 3AQ	£240,000	17/02/2023	Flat

Area average: £193,325 (20 sales)

Capital growth trend

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

5y growth -26.5%

10y growth -11%

House Price Index (HM Land Registry — official index, not sold-price averages): Birmingham. Series: Flats and maisonettes. As of April 2026.

1y (index) -2.6%

5y (index) 5%

10y (index) 36.2%

Rental Range

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

Low £981/mo

Realistic £1,090/mo

Optimistic £1,199/mo

Based on Local Authority from postcode lookup → Birmingham.

LHA (30th percentile) floor for Birmingham: £693/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View B1 3AQ

Address

100 Carver Street

Nearby

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

Type	Name	Distance
Shop	Hair City One	0.1 miles
Shop	Mark's Deli	0.1 miles
Bus stop	Frederick St / Graham St	0.1 miles
Bus stop	Warstone Lane / Carver St	0.1 miles
Train station	Jewellery Quarter	0.3 miles
Train station	Birmingham Snow Hill	0.6 miles
University	BIMM University Birmingham	1.4 miles
University	University of Birmingham School of Dentistry	2.4 miles
Hospital	Brian Oliver Centre	7.2 miles
Hospital	Bilston Street Surgery	9.5 miles

Street-level crime

Category	Count
Violence and sexual offences	666
Shoplifting	173
Other theft	136
Criminal damage and arson	110
Public order	109
Vehicle crime	85
Anti-social behaviour	71
Drugs	62
Possession of weapons	57
Burglary	50
Robbery	46
Theft from the person	40
Other crime	13
Bicycle theft	12
Total incidents	1630

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
Jewellery Quarter Academy	Secondary	0.1 miles	Good — 7 Jul 2022
City United Academy (CUA)	Other	0.3 miles	Good — 6 Jul 2022
Nelson Junior and Infant School	Primary	0.3 miles	Good — 20 Apr 2015
Brookfields Primary School	Primary	0.3 miles	Good — 8 May 2023
University College Birmingham	Other	0.4 miles	— (No rating)

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
Studio Flat, Kettleworks, B1	£850/mo	1	0.14 miles	OpenRent
1 Bed Flat, Spencer Point, B18	£2,000/mo	1	0.25 miles	OpenRent
1 Bed Flat, Spencer Point, B18	£2,250/mo	1	0.25 miles	OpenRent
1 Bed Flat, Spencer Point, B18	£2,250/mo	1	0.25 miles	OpenRent
1 Bed Flat, Spencer Point, B18	£2,250/mo	1	0.25 miles	OpenRent

Average rent: £1,920/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.96%

Max investor price (0.8%) £281,250

Target investor price (1%) £225,000

Gross yield 11.5%

Cost-to-rent ratio 8.7×

Monthly cashflow £1,075/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 18.9%

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).