Sold STC Town house

3 ELM TREE CLOSE

STALYBRIDGE, GREATER MANCHESTER SK15 2HF

3 beds 1 baths 73 m² Listed 3 May 2019 (-2600d)

£147,500

Save

# 3 bedroom town house for sale (SK15 2HF)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 ELM TREE CLOSE, STALYBRIDGE, GREATER MANCHESTER SK15 2HF |
| Price | £147,500 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Last sold | £140,000 Dec 2019 |

## Description

**** **** With NO VENDOR CHAIN this is a fantastic opportunity to purchase a Three bedroom Mid Terrace Town House property in Stalybridge, ideally located within a very convenient and popular residential area close to all local amenities, including excellent schools, transport links and the motorway network.

The property is well presented and maintained throughout, having accommodation briefly comprising of; Porch, Entrance Hallway, Lounge, Kitchen/Diner along with Three Bedrooms and Bathroom.

The property is also appointed with partial GCH & uPVC double glazed windows throughout.

Externally there is a mature garden area to the front along with a fenced and gated mature tiered garden with garage to the rear.

**PORCH** ****

With uPVC double glazing.

**ENTRANCE** **HALLWAY** **13' 5" x 2' 11" (4.11m x 0.90m)**

With oak laminate flooring and under stairs storage cupboard.

**LOUNGE** **13' 2" x 11' 3" (4.02m x 3.44m)**

Fully carpeted with feature gas fire and stone surround along with large uPVC double glazed bay window to the front.

**KITCHEN/DINER** **17' 10" x 9' 0" (5.46m x 2.75m)**

With linoleum flooring and white fitted wall and base units with tiled splash-backs along with two uPVC double glazed windows and a frost uPVC double glazed door to the rear.

(Cooker, Fridge Freezer and Washing Machine included).

**STAIRS/LANDING** ****

Fully carpeted with loft access hatch.

**BEDROOM** **ONE** **11' 0" x 8' 4" (3.37m x 2.56m)**

Fully carpeted master double bedroom with fitted wardrobes and large uPVC double glazed window to the front.

**BEDROOM** **TWO** **11' 0" x 8' 4" (3.37m x 2.56m)**

Fully carpeted with large uPVC double glazed window to the rear.

**BATHROOM** **6' 7" x 5' 6" (2.02m x 1.69m)**

With linoleum flooring and fully tiled walls having a beige suite consisting of toilet, hand wash basin and bath with overhead shower, along with large frosted uPVC double glazed window to the rear.

**BEDROOM** **THREE** **7' 4" x 6' 7" (2.25m x 2.03m)**

Fully carpeted with in-built storage cupboard and uPVC double glazed window to the front.

**EXTERNALLY** ****

There is a mature garden area to the front along with a fenced and gated mature tiered garden with garage to the rear.

## Property Photos

- ![Photo](/listings/photos/81455099/192422)
- ![Photo](/listings/photos/81455099/192424)
- ![Photo](/listings/photos/81455099/192426)
- ![Photo](/listings/photos/81455099/192428)
- ![Photo](/listings/photos/81455099/192430)
- ![Photo](/listings/photos/81455099/192432)
- ![Photo](/listings/photos/81455099/192434)
- ![Photo](/listings/photos/81455099/192436)

## Floorplans

- ![Floorplan 1](/listings/photos/81455099/192438) - Floorplan 1

## EPC Graphs

- ![EPC Front Page](/listings/photos/81455099/192441) - EPC Front Page

## FENSA Certificates

This property has 3 FENSA certificate(s) on record.

### FENSA Certificate #5611695
- **Address:** 3 Elm Tree Close, Stalybridge, SK15 2HF
- **Certificate Issued:** 28/04/2008
- **Work Completed:** 19/02/2008
- **Items:** 1 window(s)

### FENSA Certificate #1677942
- **Address:** 3 Elm Tree Close, Stalybridge, SK15 2HF
- **Certificate Issued:** 10/05/2004
- **Work Completed:** 30/03/2004
- **Items:** 2 window(s), 1 door(s)

### FENSA Certificate #717708
- **Address:** 3 Elm Tree Close, Stalybridge, SK15 2HF
- **Certificate Issued:** 29/05/2003
- **Work Completed:** 02/05/2003
- **Items:** 1 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF | £140,000 | 19/12/2019 | 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 |
|---------|-------|------|------|
| 17 NEW STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EZ | £205,000 | 27/11/2025 | Terraced |
| 34 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DP | £174,500 | 14/11/2025 | Terraced |
| [Same street] 9 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF | £232,000 | 03/09/2024 | Terraced |
| [Same street] 20 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF | £190,000 | 13/06/2024 | Terraced |
| [Same street] 31 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF | £220,000 | 30/04/2024 | Terraced |
| [Same street] 17 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF | £192,000 | 28/04/2023 | Terraced |
| 104 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN | £210,000 | 25/11/2022 | Terraced |
| 81 SPRING BANK, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EQ | £165,000 | 28/10/2022 | Terraced |
| [Same street] 31 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF | £220,000 | 06/09/2022 | Terraced |
| 82 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN | £145,000 | 22/08/2022 | Terraced |
| 113 SPRING BANK, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HL | £220,000 | 13/07/2022 | Terraced |
| 44 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN | £180,000 | 30/06/2022 | Terraced |
| 106 KENWORTHY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DX | £170,000 | 17/06/2022 | Terraced |
| 6B HOUGH HILL ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HB | £95,500 | 27/05/2022 | Terraced |
| 82 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN | £117,000 | 29/04/2022 | Terraced |
| 82 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN | £117,000 | 29/04/2022 | Terraced |
| 2 EGMONT TERRACE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HD | £134,410 | 18/03/2022 | Terraced |
| 23 RANGE ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HH | £276,000 | 20/10/2021 | Terraced |
| 7 NEW STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EZ | £90,000 | 13/10/2021 | Terraced |
| 16 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DP | £157,000 | 15/09/2021 | Terraced |
| 51 ASTLEY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EX | £146,782 | 25/08/2021 | Terraced |
| [Same street] 54 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF | £195,000 | 23/08/2021 | Terraced |
| 86 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN | £170,000 | 12/07/2021 | Terraced |
| 63 ASTLEY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EX | £110,500 | 02/07/2021 | Terraced |
| 71 SPRING BANK, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EQ | £125,000 | 30/06/2021 | Terraced |
| 106 KENWORTHY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DX | £147,000 | 24/06/2021 | Terraced |

**Street average:** £208,167 (6 sales)
**Area average:** £157,785 (20 sales)

## Price vs local average

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

- **Local average:** £174,225 (30 Terraced, SK15, 2024–2026)
- **Deviation:** -15.3%

## Rental Range

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

- **Low:** £827/mo
- **Realistic:** £919/mo
- **Optimistic:** £1,011/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 Semi-Detached House, Forester Drive, SK15 | £1,250/mo | 3 | 0.16 miles | OpenRent |

**Average rent: £1,250/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.85% (okay)
- **Max investor price (0.8%):** £156,250
- **Target investor price (1%):** £125,000

*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 £1,250/mo).*

- **Gross yield:** 10.2%
- **Cost-to-rent:** 9.8×
- **Monthly cashflow:** £519/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 14.6%

*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:** 5.5%
- **10y growth:** 38.7%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 3%
- **5y growth (index):** 30.7%
- **10y growth (index):** 86.7%

## 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)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8

/ 8

Property details

Floor area

73 m²

Last sold

£140,000 Dec 2019

Local average

£174,225 (-15.3%)

Deprivation

Decile 10 (31,312 of 33,755)

Street crime

0 incidents within 1 mile (Apr 2026)

Key features

NO VENDOR CHAIN
Mid Terraced Town House
Three Bedrooms
Kitchen/Diner
Detached Garage
Front & Rear Gardens
uPVC Double Glazed & Part GCH
Energy Rating - D

Additional details

Parking: Garage
Garden: Yes

Description

** With NO VENDOR CHAIN this is a fantastic opportunity to purchase a Three bedroom Mid Terrace Town House property in Stalybridge, ideally located within a very convenient and popular residential area close to all local amenities, including excellent schools, transport links and the motorway network.

The property is well presented and maintained throughout, having accommodation briefly comprising of; Porch, Entrance Hallway, Lounge, Kitchen/Diner along with Three Bedrooms and Bathroom.

The property is also appointed with partial GCH & uPVC double glazed windows throughout.

Externally there is a mature garden area to the front along with a fenced and gated mature tiered garden with garage to the rear.

PORCH
With uPVC double glazing.

ENTRANCE HALLWAY 13' 5" x 2' 11" (4.11m x 0.90m)
With oak laminate flooring and under stairs storage cupboard.

LOUNGE 13' 2" x 11' 3" (4.02m x 3.44m)
Fully carpeted with feature gas fire and stone surround along with large uPVC double glazed bay window to the front.

KITCHEN/DINER 17' 10" x 9' 0" (5.46m x 2.75m)
With linoleum flooring and white fitted wall and base units with tiled splash-backs along with two uPVC double glazed windows and a frost uPVC double glazed door to the rear.
(Cooker, Fridge Freezer and Washing Machine included).

STAIRS/LANDING
Fully carpeted with loft access hatch.

BEDROOM ONE 11' 0" x 8' 4" (3.37m x 2.56m)
Fully carpeted master double bedroom with fitted wardrobes and large uPVC double glazed window to the front.

BEDROOM TWO 11' 0" x 8' 4" (3.37m x 2.56m)
Fully carpeted with large uPVC double glazed window to the rear.

BATHROOM 6' 7" x 5' 6" (2.02m x 1.69m)
With linoleum flooring and fully tiled walls having a beige suite consisting of toilet, hand wash basin and bath with overhead shower, along with large frosted uPVC double glazed window to the rear.

BEDROOM THREE 7' 4" x 6' 7" (2.25m x 2.03m)
Fully carpeted with in-built storage cupboard and uPVC double glazed window to the front.

EXTERNALLY **
There is a mature garden area to the front along with a fenced and gated mature tiered garden with garage to the rear.

Listed by

Ashton-under-Lyne

Alan Kirkham

Reference: 81455099

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

EPC Front Page

FENSA Certificates

This property has 3 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #5611695

Property Details

Street: 3 Elm Tree Close

Town: Stalybridge

Postcode: SK15 2HF

Installation Details

Items: 1 window

Certificate Issued: 28/04/2008

Work Completed: 19/02/2008

This certificate data was retrieved from FENSA's database

FENSA Certificate #1677942

Property Details

Street: 3 Elm Tree Close

Town: Stalybridge

Postcode: SK15 2HF

Installation Details

Items: 2 windows and 1 door

Certificate Issued: 10/05/2004

Work Completed: 30/03/2004

This certificate data was retrieved from FENSA's database

FENSA Certificate #717708

Property Details

Street: 3 Elm Tree Close

Town: Stalybridge

Postcode: SK15 2HF

Installation Details

Items: 1 window

Certificate Issued: 29/05/2003

Work Completed: 02/05/2003

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	19/12/2019 (6 years ago)	£140,000	—

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
17 NEW STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EZ	£205,000	27/11/2025	Terraced
34 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DP	£174,500	14/11/2025	Terraced
Same street 9 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF	£232,000	03/09/2024	Terraced
Same street 20 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF	£190,000	13/06/2024	Terraced
Same street 31 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF	£220,000	30/04/2024	Terraced
Same street 17 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF	£192,000	28/04/2023	Terraced
104 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN	£210,000	25/11/2022	Terraced
81 SPRING BANK, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EQ	£165,000	28/10/2022	Terraced
Same street 31 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF	£220,000	06/09/2022	Terraced
82 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN	£145,000	22/08/2022	Terraced
113 SPRING BANK, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HL	£220,000	13/07/2022	Terraced
44 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN	£180,000	30/06/2022	Terraced
106 KENWORTHY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DX	£170,000	17/06/2022	Terraced
6B HOUGH HILL ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HB	£95,500	27/05/2022	Terraced
82 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN	£117,000	29/04/2022	Terraced
82 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN	£117,000	29/04/2022	Terraced
2 EGMONT TERRACE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HD	£134,410	18/03/2022	Terraced
23 RANGE ROAD, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HH	£276,000	20/10/2021	Terraced
7 NEW STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EZ	£90,000	13/10/2021	Terraced
16 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DP	£157,000	15/09/2021	Terraced
51 ASTLEY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EX	£146,782	25/08/2021	Terraced
Same street 54 ELM TREE CLOSE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2HF	£195,000	23/08/2021	Terraced
86 FORESTER DRIVE, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EN	£170,000	12/07/2021	Terraced
63 ASTLEY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EX	£110,500	02/07/2021	Terraced
71 SPRING BANK, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2EQ	£125,000	30/06/2021	Terraced
106 KENWORTHY STREET, STALYBRIDGE, TAMESIDE, GREATER MANCHESTER, SK15 2DX	£147,000	24/06/2021	Terraced

Street average: £208,167 (6 sales)

Area average: £157,785 (20 sales)

Capital growth trend

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

5y growth 5.5%

10y growth 38.7%

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

1y (index) 3%

5y (index) 30.7%

10y (index) 86.7%

Rental Range

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

Low £827/mo

Realistic £919/mo

Optimistic £1,011/mo

Based on Local Authority from postcode lookup → Tameside.

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 SK15 2HF

Nearby

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

Type	Name	Distance
Bus stop	High Street/The Pineapple	0.3 miles
Bus stop	High Street/Forester Drive	0.3 miles
Shop	Finlays News	0.3 miles
Shop	Unknown	0.3 miles
Train station	Stalybridge	0.6 miles
Hospital	Tameside General Hospital	1.3 miles
Train station	Flowery Field	1.5 miles
Hospital	Park Lodge Independent Hospital	4.3 miles
University	UK Management College	4.5 miles
University	University of Manchester Fallowfield Campus	6.9 miles

Street-level crime

Category	Count
Total incidents	0

Within 1 mile during Apr 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
St. Peter's Catholic Primary School, a Voluntary Academy	Primary	0.2 miles	Good — 24 Jan 2024
Gorse Hall Primary and Nursery School	Primary	0.3 miles	Good — 17 Sep 2023
Trinity School	Other	0.4 miles	— (No rating)
Broadbent Fold Primary School and Nursery	Primary	0.4 miles	Good — 27 Oct 2012
St Paul's CofE Primary School, Stalybridge	Primary	0.7 miles	Good — 27 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
3 Bed Semi-Detached House, Forester Drive, SK15	£1,250/mo	3	0.16 miles	OpenRent

Average rent: £1,250/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.85%

Max investor price (0.8%) £156,250

Target investor price (1%) £125,000

Gross yield 10.2%

Cost-to-rent ratio 9.8×

Monthly cashflow £519/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 14.6%

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).