Sold Town house

38 RADCLIFFE ROAD

OLDHAM, GREATER MANCHESTER OL4 2NR

3 beds 1 baths 818 sq ft Listed 8 Sep 2023 (-1057d)

£169,950

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# 3 bedroom town house for sale (OL4 2NR)

## Property Details

| Key | Value |
|-----|-------|
| Address | 38 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER OL4 2NR |
| Price | £169,950 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 1967-1975 |
| Floor area | 76 m² |
| Last sold | £119,950 Jun 2018 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 24/04/2027
- **Est. upgrade cost to C:** £11,530

### Recommendations
- E (£30)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8893-7724-4130-4885-1922)

## Description

****NO CHAIN** **A well presented mid town house located in this popular location in Moorside. This lovely home is offered in super condition throughout so viewing is essential. Accommodation comprising: Entrance hallway, lounge, dining room and kitchen. To the first floor three bedrooms and a lovely bathroom.  Externally there is a south west facing rear garden and lawn area to the front. On road parking. Local schools within easy reach.

**ENTRANCE HALL**

With a composite door, designer mirror radiator, carpeted.

**LOUNGE** - 4.04m x 3.89m (13'3" x 12'9")

Front aspect, uPVC bay window with fitted blinds, radiator, understaires cupboard, wall light sockets.

**DINING ROOM** - 4.78m x 2.82m (15'8" x 9'3")

Rear aspect, internal room, carpeted, radiator.

**KITCHEN** - 4.6m x 1.99m (15'1" x 6'6")

Rear aspect, with a fitted range of eye and base level units, roll top work tops, one and a half sink unit with mixer taps, splashbacks, 4 ring gas hob, electric oven under, space for fridge freezer, plumbing for an auto washing machine, two uPVC windows and fitted blinds, uPVC door to rear, tiled floor.

**LANDING**

Galleried landing, with fitted carpet, loft access which is particularly boarded, cupboard housing Valliant Combi boiler.

**BEDROOM ONE** - 3.66m x 3.15m (12'0" x 10'4")

Rear aspect, uPVC window, radiator, laminate flooring.

**BEDROOM TWO** - 3.23m x 2.44m (10'7" x 8'0")

Front aspect, uPVC window and fitted blind, radiator, laminate floor.

**BEDROOM THREE** - 2.54m x 2.01m (8'4" x 6'7")

Front aspect, uPVC window, radiator, laminate floor, bulkhead.

**BATHROOM**

Rear aspect, three piece suite comprising: P shape bath with dual head shower over, wash hand basin, low level W.C, tiled walls, vinyl floor covering, uPVC window and blind, chrome rad.

**EXTERNALLY**

To the front a small grass area and pathway to the front door. To the rear a lovely pagoda with composite floor decking, gate to rear, tap, south west facing. On road parking

**ADDITIONAL INFORMATION**

TENURE:  Leasehold - Solicitor to confirm details.

COUNCIL BAND: B -  Please note these are subject to change occasionally, so we advise you make your own checks with the local council prior to completion.

VIEWING ARRANGEMENTS: Strictly by appointment with the agents.

**AGENTS NOTES**

Whilst every care has been taken to prepare these sales particulars they are for guidance purposes only. Potential buyers should fully investigate any issues that maybe personally important to them prior to completion. All measurements are approximate and are for general guidance purposes only and whilst every care has been taken to ensure their accuracy, they should not be relied upon and potential buyers are advised to recheck the measurements. Fixtures and Fittings stated as included in the property are based on achieving the asking price.

## Property Photos

- ![Photo](/listings/photos/139673831/1647124)
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## Floorplans

- ![Floorplan 1](/listings/photos/139673831/1647183) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/139673831/1647186) - EPC 1

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #15299633
- **Address:** 38 Radcliffe Road, OLDHAM, OL4 2NR
- **Certificate Issued:** 17/07/2022
- **Work Completed:** 05/07/2022
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 38 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £119,950 | 29/06/2018 | 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 |
|---------|-------|------|------|
| 45 RIXSON STREET, OLDHAM, GREATER MANCHESTER, OL4 2NX | £150,000 | 09/01/2026 | Terraced |
| 19 ALBANY STREET, OLDHAM, GREATER MANCHESTER, OL4 2NT | £110,000 | 08/01/2026 | Terraced |
| 34 BRAMBLE AVENUE, OLDHAM, GREATER MANCHESTER, OL4 2PQ | £190,000 | 12/12/2025 | Terraced |
| 19 JOWETT STREET, OLDHAM, GREATER MANCHESTER, OL1 4JQ | £168,000 | 09/12/2025 | Terraced |
| 36 PIERCE STREET, OLDHAM, GREATER MANCHESTER, OL1 4JH | £105,000 | 28/11/2025 | Terraced |
| [Same street] 40 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £155,000 | 31/10/2025 | Terraced |
| 56 COUNTHILL ROAD, OLDHAM, GREATER MANCHESTER, OL4 2PB | £200,000 | 30/09/2025 | Terraced |
| 63 ALVA ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NS | £123,000 | 21/03/2025 | Terraced |
| [Same street] 27 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £170,000 | 22/11/2024 | Semi-detached |
| [Same street] 10 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £135,000 | 01/12/2023 | Terraced |
| 19 BRAMBLE AVENUE, OLDHAM, GREATER MANCHESTER, OL4 2PQ | £182,500 | 03/11/2023 | Terraced |
| 28 ALVA ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NS | £97,000 | 19/10/2023 | Terraced |
| 16 BRAMBLE AVENUE, OLDHAM, GREATER MANCHESTER, OL4 2PQ | £150,000 | 06/10/2023 | Terraced |
| 34 PIERCE STREET, OLDHAM, GREATER MANCHESTER, OL1 4JH | £95,000 | 02/10/2023 | Terraced |
| 358 RIPPONDEN ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NU | £105,000 | 12/07/2023 | Terraced |
| 143 COUNTHILL ROAD, OLDHAM, GREATER MANCHESTER, OL4 2PE | £105,000 | 28/06/2023 | Terraced |
| 54A COUNTHILL ROAD, OLDHAM, GREATER MANCHESTER, OL4 2PB | £185,000 | 19/06/2023 | Terraced |
| 30 PIERCE STREET, OLDHAM, GREATER MANCHESTER, OL1 4JH | £123,000 | 02/06/2023 | Terraced |
| 9 KILBURN STREET, OLDHAM, GREATER MANCHESTER, OL1 4JF | £131,000 | 26/05/2023 | Terraced |
| 5 JOWETT STREET, OLDHAM, GREATER MANCHESTER, OL1 4JQ | £112,500 | 05/05/2023 | Terraced |
| 4 CORNHILL STREET, OLDHAM, GREATER MANCHESTER, OL1 4JD | £82,500 | 22/02/2023 | Terraced |
| 12 CORNHILL STREET, OLDHAM, GREATER MANCHESTER, OL1 4JD | £82,500 | 22/02/2023 | Terraced |
| [Same street] 30 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £98,000 | 20/01/2023 | Terraced |
| 341 RIPPONDEN ROAD, OLDHAM, GREATER MANCHESTER, OL1 4JJ | £140,000 | 14/12/2022 | Terraced |
| [Same street] 44 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £150,000 | 23/09/2022 | Terraced |
| [Same street] 1 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £152,000 | 01/08/2022 | Semi-detached |
| [Same street] 3 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £141,000 | 20/06/2022 | Semi-detached |
| [Same street] 22 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR | £100,000 | 01/10/2021 | Terraced |

**Street average:** £137,625 (8 sales)
**Area average:** £131,850 (20 sales)

## Price vs local average

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

- **Local average:** £160,770 (68 Terraced, OL4, 2024–2026)
- **Deviation:** +5.7%

## Rental Range

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

- **Low:** £829/mo
- **Realistic:** £921/mo
- **Optimistic:** £1,013/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Oldham & Rochdale (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 |
|------|------|------|------|------|
| 3 Bed Terraced House, Jowett St, OL1 | £1,300/mo | 3 | 0.14 miles | OpenRent |
| 3 Bed Terraced House, Sharples Hall Street, OL4 | £1,100/mo | 3 | 0.4 miles | OpenRent |
| 3 Bed End Terrace, Thirlstone Avenue, OL4 | £1,100/mo | 3 | 0.99 miles | OpenRent |

**Average rent: £1,167/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.65% (weak for cashflow)
- **Max investor price (0.8%):** £137,500
- **Target investor price (1%):** £110,000

*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 £1,100/mo).*

- **Gross yield:** 7.8%
- **Cost-to-rent:** 12.9×
- **Monthly cashflow:** £296/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 7.2%

*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:** £2,236/m²

## Capital growth trend

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

- **5y growth:** 26.5%
- **10y growth:** 59.4%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 4.2%
- **5y growth (index):** 35.4%
- **10y growth (index):** 94.8%

## 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

LEASEHOLD

Floor area

76 m²

Council tax band

EPC rating

Year built

England and Wales: 1967-1975

Last sold

£119,950 Jun 2018

Price per m²

£2,236/m²

Local average

£160,770 (+5.7%)

Deprivation

Decile 4 (12,460 of 33,755)

Street crime

0 incidents within 1 mile (May 2026)

Key features

Town House
Three Bedrooms
Popular Location
Two Receptions
South/West Facing Rear Courtyard and Gardens to Front
Gas Central Heating with Combi Boiler
uPVC Double Glazed
NO CHAIN

Additional details

Heating: Gas, Double glazing
Parking: On street
Garden: Yes

Description

**NO CHAIN A well presented mid town house located in this popular location in Moorside. This lovely home is offered in super condition throughout so viewing is essential. Accommodation comprising: Entrance hallway, lounge, dining room and kitchen. To the first floor three bedrooms and a lovely bathroom. Externally there is a south west facing rear garden and lawn area to the front. On road parking. Local schools within easy reach.
ENTRANCE HALL
With a composite door, designer mirror radiator, carpeted.
LOUNGE - 4.04m x 3.89m (13'3" x 12'9")
Front aspect, uPVC bay window with fitted blinds, radiator, understaires cupboard, wall light sockets.
DINING ROOM - 4.78m x 2.82m (15'8" x 9'3")
Rear aspect, internal room, carpeted, radiator.
KITCHEN - 4.6m x 1.99m (15'1" x 6'6")
Rear aspect, with a fitted range of eye and base level units, roll top work tops, one and a half sink unit with mixer taps, splashbacks, 4 ring gas hob, electric oven under, space for fridge freezer, plumbing for an auto washing machine, two uPVC windows and fitted blinds, uPVC door to rear, tiled floor.
LANDING
Galleried landing, with fitted carpet, loft access which is particularly boarded, cupboard housing Valliant Combi boiler.
BEDROOM ONE - 3.66m x 3.15m (12'0" x 10'4")
Rear aspect, uPVC window, radiator, laminate flooring.
BEDROOM TWO - 3.23m x 2.44m (10'7" x 8'0")
Front aspect, uPVC window and fitted blind, radiator, laminate floor.
BEDROOM THREE - 2.54m x 2.01m (8'4" x 6'7")
Front aspect, uPVC window, radiator, laminate floor, bulkhead.
BATHROOM
Rear aspect, three piece suite comprising: P shape bath with dual head shower over, wash hand basin, low level W.C, tiled walls, vinyl floor covering, uPVC window and blind, chrome rad.
EXTERNALLY
To the front a small grass area and pathway to the front door. To the rear a lovely pagoda with composite floor decking, gate to rear, tap, south west facing. On road parking
ADDITIONAL INFORMATION

TENURE: Leasehold - Solicitor to confirm details.
COUNCIL BAND: B - Please note these are subject to change occasionally, so we advise you make your own checks with the local council prior to completion.
VIEWING ARRANGEMENTS: Strictly by appointment with the agents.
AGENTS NOTES**
Whilst every care has been taken to prepare these sales particulars they are for guidance purposes only. Potential buyers should fully investigate any issues that maybe personally important to them prior to completion. All measurements are approximate and are for general guidance purposes only and whilst every care has been taken to ensure their accuracy, they should not be relied upon and potential buyers are advised to recheck the measurements. Fixtures and Fittings stated as included in the property are based on achieving the asking price.

Listed by

Chadderton

Kirkham Property

Reference: 139673831

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 25/04/2017

Expiry date: 24/04/2027

Est. upgrade cost to C: £11,530

Recommendations

Low energy lighting for all fixed outlets (£30)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #15299633 Recent

Property Details

Street: 38 Radcliffe Road

Town: OLDHAM

Postcode: OL4 2NR

Installation Details

Items: 1 door

Certificate Issued: 17/07/2022

Work Completed: 05/07/2022

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	29/06/2018 (8 years ago)	£119,950	—

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
45 RIXSON STREET, OLDHAM, GREATER MANCHESTER, OL4 2NX	£150,000	09/01/2026	Terraced
19 ALBANY STREET, OLDHAM, GREATER MANCHESTER, OL4 2NT	£110,000	08/01/2026	Terraced
34 BRAMBLE AVENUE, OLDHAM, GREATER MANCHESTER, OL4 2PQ	£190,000	12/12/2025	Terraced
19 JOWETT STREET, OLDHAM, GREATER MANCHESTER, OL1 4JQ	£168,000	09/12/2025	Terraced
36 PIERCE STREET, OLDHAM, GREATER MANCHESTER, OL1 4JH	£105,000	28/11/2025	Terraced
Same street 40 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£155,000	31/10/2025	Terraced
56 COUNTHILL ROAD, OLDHAM, GREATER MANCHESTER, OL4 2PB	£200,000	30/09/2025	Terraced
63 ALVA ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NS	£123,000	21/03/2025	Terraced
Same street 27 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£170,000	22/11/2024	Semi-detached
Same street 10 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£135,000	01/12/2023	Terraced
19 BRAMBLE AVENUE, OLDHAM, GREATER MANCHESTER, OL4 2PQ	£182,500	03/11/2023	Terraced
28 ALVA ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NS	£97,000	19/10/2023	Terraced
16 BRAMBLE AVENUE, OLDHAM, GREATER MANCHESTER, OL4 2PQ	£150,000	06/10/2023	Terraced
34 PIERCE STREET, OLDHAM, GREATER MANCHESTER, OL1 4JH	£95,000	02/10/2023	Terraced
358 RIPPONDEN ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NU	£105,000	12/07/2023	Terraced
143 COUNTHILL ROAD, OLDHAM, GREATER MANCHESTER, OL4 2PE	£105,000	28/06/2023	Terraced
54A COUNTHILL ROAD, OLDHAM, GREATER MANCHESTER, OL4 2PB	£185,000	19/06/2023	Terraced
30 PIERCE STREET, OLDHAM, GREATER MANCHESTER, OL1 4JH	£123,000	02/06/2023	Terraced
9 KILBURN STREET, OLDHAM, GREATER MANCHESTER, OL1 4JF	£131,000	26/05/2023	Terraced
5 JOWETT STREET, OLDHAM, GREATER MANCHESTER, OL1 4JQ	£112,500	05/05/2023	Terraced
4 CORNHILL STREET, OLDHAM, GREATER MANCHESTER, OL1 4JD	£82,500	22/02/2023	Terraced
12 CORNHILL STREET, OLDHAM, GREATER MANCHESTER, OL1 4JD	£82,500	22/02/2023	Terraced
Same street 30 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£98,000	20/01/2023	Terraced
341 RIPPONDEN ROAD, OLDHAM, GREATER MANCHESTER, OL1 4JJ	£140,000	14/12/2022	Terraced
Same street 44 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£150,000	23/09/2022	Terraced
Same street 1 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£152,000	01/08/2022	Semi-detached
Same street 3 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£141,000	20/06/2022	Semi-detached
Same street 22 RADCLIFFE ROAD, OLDHAM, GREATER MANCHESTER, OL4 2NR	£100,000	01/10/2021	Terraced

Street average: £137,625 (8 sales)

Area average: £131,850 (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 59.4%

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

1y (index) 4.2%

5y (index) 35.4%

10y (index) 94.8%

Rental Range

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

Low £829/mo

Realistic £921/mo

Optimistic £1,013/mo

Based on Local Authority from postcode lookup → Oldham.

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

Location

Map view View on Google Maps View on OpenStreetMap Street View OL4 2NR

Nearby

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

Type	Name	Distance
Bus stop	Watersheddings, Ripponden Road / opposite Radcliffe Road	0.1 miles
Bus stop	Watersheddings, Ripponden Road / near Radcliffe Road	0.1 miles
Shop	Bargain Booze	0.2 miles
Shop	Four Seasons	0.2 miles
Hospital	The Christie at Oldham	1.7 miles
Hospital	SpaMedica Oldham	1.8 miles
Train station	Greenfield	3.0 miles
Train station	Mossley	3.2 miles
University	UCEN Manchester (City Campus)	8.1 miles
University	University of Law	8.3 miles

Street-level crime

Category	Count
Total incidents	0

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
Kingsland School	Other	0.2 miles	Good — 13 May 2020
Woodlands Primary Academy	Primary	0.2 miles	Good — 27 Feb 2020
St. Theresa's RC Primary School	Primary	0.4 miles	Good — 15 Sep 2024
Littlemoor Primary School	Primary	0.5 miles	Requires improvement — 23 Sep 2024
Hodge Clough Primary School	Primary	0.5 miles	Good — 17 Jun 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
3 Bed Terraced House, Jowett St, OL1	£1,300/mo	3	0.14 miles	OpenRent
3 Bed Terraced House, Sharples Hall Street, OL4	£1,100/mo	3	0.4 miles	OpenRent
3 Bed End Terrace, Thirlstone Avenue, OL4	£1,100/mo	3	0.99 miles	OpenRent

Average rent: £1,167/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 9.6% gross yield avg £137,625 sale, £1,100/mo rent

Rent ratio 0.65%

Max investor price (0.8%) £137,500

Target investor price (1%) £110,000

Gross yield 7.8%

Cost-to-rent ratio 12.9×

Monthly cashflow £296/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 7.2%

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).