Sold STC Terraced

11 BURTON TERRACE

UTTOXETER, STAFFORDSHIRE ST14 7AD

2 beds 1 baths 883 sq ft Listed 13 Oct 2020 (-2118d)

£149,500

Offers in Excess of

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# 2 bedroom terraced house for sale (ST14 7AD)

## Property Details

| Key | Value |
|-----|-------|
| Address | 11 BURTON TERRACE, UTTOXETER, STAFFORDSHIRE ST14 7AD |
| Price | £149,500 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 82 m² |
| Last sold | £155,000 Jan 2021 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 11/10/2030
- **Current heating cost:** £531/year
- **Est. upgrade cost to C:** £19,500

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- 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/4800-8820-3009-1062-0296)

## Description

The Property

I am delighted to have the opportunity to market this character Victorian traditional 2 bedroomed mid terraced property, having the benefit of a garage and off road parking to rear, this is a little gem and needs to be viewed to be fully appreciated. a brief internal description of the property comprises lounge, dining room, kitchen, downstairs wet room, upstairs bathroom, two double bedrooms, to the front of the property is a gravelled no maintenance garden and to the rear is a decked patio area, garden and mature shrubs and trees, garage and off road parking. The property is conveniently located with easy access to the A50 and school catchment area.

Lounge

3.81m x 3.50m (12' 6" x 11' 6") good sized room with window to front, radiator.

Dining Room

3.80m x 3.73m (12' 6" x 12' 3") good sized room with window to rear, radiator.

Kitchen

3.78m x 2.11m (12' 5" x 6' 11") with range of base and wall units, space for appliances, radiator.

Wet Room

comprising shower and w/c.

Bedroom One

3.81m x 3.55m (12' 6" x 11' 8") good sized double bedroom with front facing window, radiator.

Bedroom Two

3.70m x 2.87m (12' 2" x 9' 5") good sized double bedroom with window to rear, radiator.

Bathroom

3.15m x 1.82m (10' 4" x 6' 0") tiled bathroom incorporating shower cubicle, bath, w/c and wash basin, window to rear, extractor fan.

Front Garden

low maintenance gravelled garden, front gate.

Rear Garden

lovely decked patio area, garden with mature trees and shrubs, garage and access to off road parking.

Disclaimer for virtual viewingsSome or all information pertaining to this property may have been provided solely by the vendor, and although we always make every effort to verify the information provided to us, we strongly advise you to make further enquiries before continuing.

If you book a viewing or make an offer on a property that has had its valuation conducted virtually, you are doing so under the knowledge that this information may have been provided solely by the vendor, and that we may not have been able to access the premises to confirm the information or test any equipment. We therefore strongly advise you to make further enquiries before completing your purchase of the property to ensure you are happy with all the information provided.

## Property Photos

- ![Photo](/listings/photos/74194803/1609778)
- ![Photo](/listings/photos/74194803/1609779)
- ![Photo](/listings/photos/74194803/1609780)
- ![Photo](/listings/photos/74194803/1609781)
- ![Photo](/listings/photos/74194803/1609782)
- ![Photo](/listings/photos/74194803/1609783)
- ![Photo](/listings/photos/74194803/1609784)
- ![Photo](/listings/photos/74194803/1609786)
- ![Photo](/listings/photos/74194803/1609788)
- ![Photo](/listings/photos/74194803/1609790)

## Floorplans

- ![Floorplan 1](/listings/photos/74194803/1609792) - Floorplan 1

## EPC Graphs

- ![epc](/listings/photos/74194803/1609793) - epc

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 11 BURTON TERRACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AD | £155,000 | 11/01/2021 | 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 |
|---------|-------|------|------|
| 95 HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JJ | £153,000 | 05/12/2025 | Terraced |
| 14 LAUREL GROVE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7EL | £200,000 | 14/07/2025 | Terraced |
| 97 HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JJ | £205,000 | 07/09/2023 | Terraced |
| [Same street] 23 BURTON TERRACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AD | £187,500 | 16/06/2023 | Terraced |
| 32 BRADLEY STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7QA | £135,000 | 11/05/2023 | Terraced |
| 4 SHARLOTTE COURT, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JU | £230,000 | 03/04/2023 | Terraced |
| 9 SLADE FIELDS, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AH | £173,000 | 21/12/2022 | Terraced |
| 17 MANOR ROAD, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JL | £185,000 | 21/12/2022 | Terraced |
| 108 HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JH | £182,500 | 21/12/2022 | Terraced |
| 18 LAUREL GROVE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7EL | £180,000 | 14/12/2022 | Terraced |
| 8 PARK STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AG | £165,000 | 18/11/2022 | Terraced |
| 4 PARK PLACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AE | £159,995 | 26/10/2022 | Terraced |
| 12 MANOR ROAD, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JL | £72,500 | 06/10/2022 | Terraced |
| 2 SILVER STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7QE | £225,000 | 14/09/2022 | Terraced |
| 9 THE LIMES, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7FA | £197,000 | 02/08/2022 | Terraced |
| 26 GAS STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AA | £165,000 | 15/07/2022 | Terraced |
| 3 PARK STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AG | £145,000 | 04/07/2022 | Terraced |
| 6 THE LIMES, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7FA | £252,500 | 29/04/2022 | Terraced |
| [Same street] 7 BURTON TERRACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AD | £240,000 | 31/03/2022 | Terraced |
| 24 GAS STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AA | £150,000 | 31/03/2022 | Terraced |
| 99 FLAT HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JJ | £95,000 | 18/03/2022 | Terraced |
| 28 SLADE FIELDS, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AH | £135,950 | 09/02/2022 | Terraced |
| [Same street] 23 BURTON TERRACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AD | £100,000 | 16/11/2021 | Terraced |

**Street average:** £175,833 (3 sales)
**Area average:** £170,322 (20 sales)

## Price vs local average

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

- **Local average:** £185,784 (17 Terraced, ST14, 2024–2026)
- **Deviation:** -19.5%

## Rental Range

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

- **Low:** £760/mo
- **Realistic:** £844/mo
- **Optimistic:** £928/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £598/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, Burton Terrace, ST14 | £850/mo | 2 | 0.02 miles | OpenRent |
| 2 Bed Terraced House, Smithfield Road, ST14 | £820/mo | 2 | 0.32 miles | OpenRent |
| 2 Bed Flat, Chamberlain Close, ST14 | £715/mo | 2 | 0.38 miles | OpenRent |
| 2 Bed Flat, Chamberlain Close, ST14 | £935/mo | 2 | 0.38 miles | OpenRent |
| 2 Bed Flat, Chamberlain Close, ST14 | £1,050/mo | 2 | 0.38 miles | OpenRent |
| 2 Bed Semi-Detached House, Park Avenue, ST14 | £850/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed End Terrace, Drovers Close, ST14 | £850/mo | 2 | 0.42 miles | OpenRent |
| 2 Bed Semi-Detached House, Geoff Morrison Way, ST14 | £1,100/mo | 2 | 0.87 miles | OpenRent |

**Average rent: £896/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.57% (weak for cashflow)
- **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:** 6.8%
- **Cost-to-rent:** 14.7×
- **Monthly cashflow:** £151/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4.2%

*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:** £1,823/m²

## Capital growth trend

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

- **5y growth:** 28.5%
- **10y growth:** 47.9%

## House Price Index (HM Land Registry)

*Official index for East Staffordshire; Terraced series; as of April 2026.*

- **1y growth (index):** 2%
- **5y growth (index):** 21.6%
- **10y growth (index):** 49.6%

## 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

Floor area

82 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£155,000 Jan 2021

Price per m²

£1,823/m²

Local average

£185,784 (-19.5%)

Deprivation

Decile 6 (18,204 of 33,755)

Street crime

83 incidents within 1 mile (May 2026)

Key features

NO UPWARD CHAIN
Traditional Terraced House
Two Double Bedrooms
Two Receptions
Downstairs Wet Room
Off Road Parking
Garage
Front & Rear Gardens
Central Heating
Double Glazed

Additional details

Heating: Gas central
Parking: Garage, Off street
Garden: Private garden

Description

The Property
I am delighted to have the opportunity to market this character Victorian traditional 2 bedroomed mid terraced property, having the benefit of a garage and off road parking to rear, this is a little gem and needs to be viewed to be fully appreciated. a brief internal description of the property comprises lounge, dining room, kitchen, downstairs wet room, upstairs bathroom, two double bedrooms, to the front of the property is a gravelled no maintenance garden and to the rear is a decked patio area, garden and mature shrubs and trees, garage and off road parking. The property is conveniently located with easy access to the A50 and school catchment area.

Lounge
3.81m x 3.50m (12' 6" x 11' 6") good sized room with window to front, radiator.

Dining Room
3.80m x 3.73m (12' 6" x 12' 3") good sized room with window to rear, radiator.

Kitchen
3.78m x 2.11m (12' 5" x 6' 11") with range of base and wall units, space for appliances, radiator.

Wet Room
comprising shower and w/c.

Bedroom One
3.81m x 3.55m (12' 6" x 11' 8") good sized double bedroom with front facing window, radiator.

Bedroom Two
3.70m x 2.87m (12' 2" x 9' 5") good sized double bedroom with window to rear, radiator.

Bathroom
3.15m x 1.82m (10' 4" x 6' 0") tiled bathroom incorporating shower cubicle, bath, w/c and wash basin, window to rear, extractor fan.

Front Garden
low maintenance gravelled garden, front gate.

Rear Garden
lovely decked patio area, garden with mature trees and shrubs, garage and access to off road parking.

Disclaimer for virtual viewingsSome or all information pertaining to this property may have been provided solely by the vendor, and although we always make every effort to verify the information provided to us, we strongly advise you to make further enquiries before continuing.
If you book a viewing or make an offer on a property that has had its valuation conducted virtually, you are doing so under the knowledge that this information may have been provided solely by the vendor, and that we may not have been able to access the premises to confirm the information or test any equipment. We therefore strongly advise you to make further enquiries before completing your purchase of the property to ensure you are happy with all the information provided.

Listed by

covering Central England

Purplebricks

Reference: 74194803

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 12/10/2020

Expiry date: 11/10/2030

Current heating cost: £531/year

Potential heating cost: £398/year

Est. upgrade cost to C: £19,500

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
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

Floorplan 1

EPC Graphs

epc

Price history

Event	Date	Price	% change
Sold	11/01/2021 (5 years ago)	£155,000	—

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
95 HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JJ	£153,000	05/12/2025	Terraced
14 LAUREL GROVE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7EL	£200,000	14/07/2025	Terraced
97 HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JJ	£205,000	07/09/2023	Terraced
Same street 23 BURTON TERRACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AD	£187,500	16/06/2023	Terraced
32 BRADLEY STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7QA	£135,000	11/05/2023	Terraced
4 SHARLOTTE COURT, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JU	£230,000	03/04/2023	Terraced
9 SLADE FIELDS, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AH	£173,000	21/12/2022	Terraced
17 MANOR ROAD, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JL	£185,000	21/12/2022	Terraced
108 HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JH	£182,500	21/12/2022	Terraced
18 LAUREL GROVE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7EL	£180,000	14/12/2022	Terraced
8 PARK STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AG	£165,000	18/11/2022	Terraced
4 PARK PLACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AE	£159,995	26/10/2022	Terraced
12 MANOR ROAD, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JL	£72,500	06/10/2022	Terraced
2 SILVER STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7QE	£225,000	14/09/2022	Terraced
9 THE LIMES, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7FA	£197,000	02/08/2022	Terraced
26 GAS STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AA	£165,000	15/07/2022	Terraced
3 PARK STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AG	£145,000	04/07/2022	Terraced
6 THE LIMES, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7FA	£252,500	29/04/2022	Terraced
Same street 7 BURTON TERRACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AD	£240,000	31/03/2022	Terraced
24 GAS STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AA	£150,000	31/03/2022	Terraced
99 FLAT HIGH STREET, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7JJ	£95,000	18/03/2022	Terraced
28 SLADE FIELDS, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AH	£135,950	09/02/2022	Terraced
Same street 23 BURTON TERRACE, UTTOXETER, EAST STAFFORDSHIRE, STAFFORDSHIRE, ST14 7AD	£100,000	16/11/2021	Terraced

Street average: £175,833 (3 sales)

Area average: £170,322 (20 sales)

Capital growth trend

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

5y growth 28.5%

10y growth 47.9%

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

1y (index) 2%

5y (index) 21.6%

10y (index) 49.6%

Rental Range

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

Low £760/mo

Realistic £844/mo

Optimistic £928/mo

Based on Local Authority from postcode lookup → East Staffordshire.

LHA (30th percentile) floor for Eastern Staffordshire: £598/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ST14 7AD

Nearby

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

Type	Name	Distance
Bus stop	Cheadle Road	0.1 miles
Bus stop	Wellington Inn	0.1 miles
Shop	Cycle Centre	0.2 miles
Shop	The Pastel Room	0.2 miles
Train station	Uttoxeter	0.6 miles
Train station	Alton Towers Car Park	5.7 miles
Hospital	Cheadle Hosptal	7.7 miles
Hospital	Saint Oswald's Hospital	9.2 miles
University	Staffordshire University Blackheath Lane Site	10.7 miles

Street-level crime

Category	Count
Violence and sexual offences	35
Anti-social behaviour	18
Other theft	8
Public order	6
Criminal damage and arson	5
Other crime	3
Shoplifting	3
Vehicle crime	3
Drugs	1
Robbery	1
Total incidents	83

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
Thomas Alleyne's High School	Secondary	0.2 miles	Good — 21 Mar 2016
St Joseph's Catholic Primary School	Primary	0.4 miles	Outstanding — 8 Sep 2024
St Mary's CofE (A) First School	Primary	0.4 miles	Good — 13 Jul 2016
Windsor Park CE Middle School	Primary	0.4 miles	Good — 30 Mar 2015
Picknalls First School	Primary	0.5 miles	Good — 23 Feb 2020

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, Burton Terrace, ST14	£850/mo	2	0.02 miles	OpenRent
2 Bed Terraced House, Smithfield Road, ST14	£820/mo	2	0.32 miles	OpenRent
2 Bed Flat, Chamberlain Close, ST14	£715/mo	2	0.38 miles	OpenRent
2 Bed Flat, Chamberlain Close, ST14	£935/mo	2	0.38 miles	OpenRent
2 Bed Flat, Chamberlain Close, ST14	£1,050/mo	2	0.38 miles	OpenRent
2 Bed Semi-Detached House, Park Avenue, ST14	£850/mo	2	0.4 miles	OpenRent
2 Bed End Terrace, Drovers Close, ST14	£850/mo	2	0.42 miles	OpenRent
2 Bed Semi-Detached House, Geoff Morrison Way, ST14	£1,100/mo	2	0.87 miles	OpenRent

Average rent: £896/mo (8 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 5.8% gross yield avg £175,833 sale, £850/mo rent

Rent ratio 0.57%

Max investor price (0.8%) £106,250

Target investor price (1%) £85,000

Gross yield 6.8%

Cost-to-rent ratio 14.7×

Monthly cashflow £151/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 4.2%

This street — Gross yield for this street only (Land Registry sales + rental comparables, same postcode + street).
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).

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