Sold STC Terraced

3 NEW STREET

WREXHAM, RHOSLLANERCHRUGOG, WREXHAM LL14 1RE

2 beds 1 baths 969 sq ft Listed 18 May 2019 (-2562d)

£110,000

Save

# 2 bedroom terraced house for sale (LL14 1RE)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 NEW STREET, WREXHAM, RHOSLLANERCHRUGOG, WREXHAM LL14 1RE |
| Price | £110,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 90 m² |
| Last sold | £110,000 Aug 2019 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Current heating cost:** £1,443/year
- **Est. upgrade cost to C:** £26,105

### Recommendations
- A2 (£850 - £1,500)
- B (£500 - £1,500)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- E (£30)
- G (£350 - £450)
- 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/0971-1210-5104-8987-0404)

## Description

**Hallway** - With wood effect flooring and stairs off to the first floor.

**Dining Room** - 3.34m x 3.33m (10'11" x 10'11") - Door off the hallway opens into the dining room which is well presented with a double glazed window to the front, wood effect flooring, opening into the lounge.

**Lounge** - 3.62m x 3.67m (11'10" x 12'0") - A superbly presented room with a double glazed window to the rear, wood effect flooring, door into the kitchen.

**Kitchen** - 3.21m x 2.21m (10'6" x 7'3") - A well appointed kitchen fitted with an attractive range of oak faced wall, drawer and base units, working surface with inset 1 1/4 stainless steel sink and drainer, oven, stainless steel extractor fan, integrated dishwasher, plumbing for a washing machine, space for a fridge/freezer, part tiled walls, wall mounted gas combination boiler, tiled flooring, useful storage cupboard.

**First Floor Landing** - With carpeted flooring, door off to the stairs leading up to the attic space.

**Bedroom 1** - 3.73m x 3.36m (12'2" x 11'0") - A spacious and stylishly presented room with 2 double glazed windows to the front, attractive exposed timber floors, fitted wardrobes.

**Bedroom 2** - 3.66m x 2.95m (12'0" x 9'8") - A double bedroom with a large double glazed window to the rear, carpeted flooring, built in wardrobes.

**Bathroom** - 3.20m x 2.20m (10'5" x 7'2") - A fantastic bathroom with a 4 piece suite fitted with an impressive deep jacuzzi bath, separate fully tiled shower cubicle, low level w.c, pedestal wash hand basin, wood effect flooring, 2 double glazed windows, fully tiled walls.

**Attic Space** - 4.59m x 4.12m (15'0" x 13'6") - Currently used as a bedroom (no current building regs), being well presented with a Velux window opening to the rear offering wonderful far reaching views, carpeted flooring, built in wardrobes and drawers.

**Rear Garden** - To the rear is a concrete area leading on to a raised decked seating area, outside store and gate allowing access at the rear.

**Front** - To the front is an area immediately adjacent to the front of the house allowing parking for 1 car.

## Property Photos

- ![IMG_3441.jpg](/listings/photos/71777404/499166) - IMG_3441.jpg
- ![IMG_3405.jpg](/listings/photos/71777404/499167) - IMG_3405.jpg
- ![IMG_3396.jpg](/listings/photos/71777404/499172) - IMG_3396.jpg
- ![IMG_3413.jpg](/listings/photos/71777404/499174) - IMG_3413.jpg
- ![IMG_3399.jpg](/listings/photos/71777404/499179) - IMG_3399.jpg
- ![IMG_3417.jpg](/listings/photos/71777404/499184) - IMG_3417.jpg
- ![IMG_3423.jpg](/listings/photos/71777404/499188) - IMG_3423.jpg
- ![IMG_3426.jpg](/listings/photos/71777404/499189) - IMG_3426.jpg
- ![IMG_3433.jpg](/listings/photos/71777404/499194) - IMG_3433.jpg
- ![IMG_3439.jpg](/listings/photos/71777404/499196) - IMG_3439.jpg

## EPC Graphs

- ![EE Rating](/listings/photos/71777404/499199) - EE Rating
- ![EI Rating](/listings/photos/71777404/499202) - EI Rating

## FENSA Certificates

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

### FENSA Certificate #3492851
- **Address:** 3 New Street, Rhosllanerchrugog, LL14 1RE
- **Certificate Issued:** 20/02/2006
- **Work Completed:** 30/01/2006
- **Items:** 7 window(s), 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £110,000 | 02/08/2019 | Terraced |
| 3 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £35,000 | 20/09/1996 | 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 |
|---------|-------|------|------|
| 40 CAMPBELL STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1BP | £109,000 | 05/12/2025 | Terraced |
| [Same street] 23 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £112,500 | 04/07/2024 | Terraced |
| [Same street] 11 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £80,000 | 01/07/2024 | Terraced |
| [Same street] 9A NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £94,000 | 31/05/2024 | Terraced |
| [Same street] 19 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £130,000 | 17/03/2023 | Detached |
| BRON Y WAWR SOUTH LANE, PONCIAU, WREXHAM, LL14 1RL | £145,000 | 02/11/2022 | Terraced |
| BODAWEL, 64 BANK STREET, PONCIAU, WREXHAM, LL14 1EN | £137,000 | 26/09/2022 | Terraced |
| [Same street] DOLWAR, 4 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £129,950 | 16/09/2022 | Semi-detached |
| 11 PENRY STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1DF | £64,000 | 26/08/2022 | Terraced |
| 4 HEOL Y FELIN, RHOSLLANERCHRUGOG, WREXHAM, LL14 1AT | £105,000 | 22/07/2022 | Terraced |
| [Same street] GWYNFRYN NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £146,000 | 21/07/2022 | Detached |
| [Same street] 10B NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £112,000 | 15/07/2022 | Terraced |
| 9 GERDDI, RHOSLLANERCHRUGOG, WREXHAM, LL14 1BS | £120,000 | 07/07/2022 | Terraced |
| [Same street] 7A NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £127,000 | 20/06/2022 | Semi-detached |
| BODAWEL, 64 BANK STREET, PONCIAU, WREXHAM, LL14 1EN | £84,500 | 22/04/2022 | Terraced |
| BRON Y WAWR SOUTH LANE, PONCIAU, WREXHAM, LL14 1RL | £84,250 | 21/03/2022 | Terraced |
| [Same street] 14 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £189,000 | 02/02/2022 | Detached |
| 8 SWAN STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1BN | £152,500 | 25/01/2022 | Terraced |
| 41 HALL STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 2LF | £127,500 | 28/09/2021 | Terraced |
| FERNDALE QUEEN STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1PY | £135,000 | 24/09/2021 | Terraced |
| [Same street] 12B NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £97,750 | 26/08/2021 | Semi-detached |
| 3 STAFFORD VIEW, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RF | £97,500 | 03/06/2021 | Terraced |
| [Same street] 25 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE | £110,000 | 28/05/2021 | Terraced |

**Street average:** £120,745 (11 sales)
**Area average:** £113,438 (12 sales)

## Price vs local average

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

- **Local average:** £148,618 (25 Terraced, LL14, 2024–2026)
- **Deviation:** -26%

## Rental Range

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

- **Low:** £681/mo
- **Realistic:** £757/mo
- **Optimistic:** £833/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, New Street, LL14 | £750/mo | 2 | 0.01 miles | OpenRent |
| 2 Bed Flat, Ponciau, LL14 | £675/mo | 2 | 0.1 miles | OpenRent |
| 2 Bed Terraced House, Owens Street, LL14 | £700/mo | 2 | 0.17 miles | OpenRent |
| 2 Bed Semi-Detached House, Royal Oak Cottages, LL14 | £750/mo | 2 | 0.3 miles | OpenRent |

**Average rent: £719/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.66% (weak for cashflow)
- **Max investor price (0.8%):** £90,625
- **Target investor price (1%):** £72,500

*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 £725/mo).*

- **Gross yield:** 7.9%
- **Cost-to-rent:** 12.6×
- **Monthly cashflow:** £194/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 7.3%

*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:** £1,222/m²

## Capital growth trend

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

- **5y growth:** 12.7%
- **10y growth:** 63.9%

## House Price Index (HM Land Registry)

*Official index for Wrexham; Terraced series; as of February 2026.*

- **1y growth (index):** 2.6%
- **5y growth (index):** 26.4%
- **10y growth (index):** 54%

## 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)

IMG_3441.jpg IMG_3405.jpg IMG_3396.jpg IMG_3413.jpg IMG_3399.jpg IMG_3417.jpg IMG_3423.jpg IMG_3426.jpg IMG_3433.jpg IMG_3439.jpg

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Property details

Floor area

90 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£110,000 Aug 2019

Price per m²

£1,222/m²

Local average

£148,618 (-26%)

Street crime

94 incidents within 1 mile (Mar 2026)

Key features

A superb 3 bedroom terraced property
Ideal for a first time or investment buyer
2 Reception rooms
4 piece bathroom suite
Useable attic space
MUST BE VIEWED TO BE APPRECIATED

Additional details

Parking: Yes
Garden: Yes

Description

A superb 2 bedroom terraced property offering deceptively spacious living accommodation located in the village of Rhosllanerchrugog. The property offers 2 reception rooms and 2 double bedrooms as well as an attic space which is currently used as a bedroom. Situated in the village of Rhosllanerchrugog which has an array of local amenities close to hand including shops, primary and secondary schools and has excellent access to the A483. In brief the property comprises of; hallway, dining room, lounge and kitchen to the ground floor, 2 bedrooms and a bathroom to the first floor and a staircase rising to the attic space. VIEWING HIGHLY RECOMMENDED.

Hallway - With wood effect flooring and stairs off to the first floor.

Dining Room - 3.34m x 3.33m (10'11" x 10'11") - Door off the hallway opens into the dining room which is well presented with a double glazed window to the front, wood effect flooring, opening into the lounge.

Lounge - 3.62m x 3.67m (11'10" x 12'0") - A superbly presented room with a double glazed window to the rear, wood effect flooring, door into the kitchen.

Kitchen - 3.21m x 2.21m (10'6" x 7'3") - A well appointed kitchen fitted with an attractive range of oak faced wall, drawer and base units, working surface with inset 1 1/4 stainless steel sink and drainer, oven, stainless steel extractor fan, integrated dishwasher, plumbing for a washing machine, space for a fridge/freezer, part tiled walls, wall mounted gas combination boiler, tiled flooring, useful storage cupboard.

First Floor Landing - With carpeted flooring, door off to the stairs leading up to the attic space.

Bedroom 1 - 3.73m x 3.36m (12'2" x 11'0") - A spacious and stylishly presented room with 2 double glazed windows to the front, attractive exposed timber floors, fitted wardrobes.

Bedroom 2 - 3.66m x 2.95m (12'0" x 9'8") - A double bedroom with a large double glazed window to the rear, carpeted flooring, built in wardrobes.

Bathroom - 3.20m x 2.20m (10'5" x 7'2") - A fantastic bathroom with a 4 piece suite fitted with an impressive deep jacuzzi bath, separate fully tiled shower cubicle, low level w.c, pedestal wash hand basin, wood effect flooring, 2 double glazed windows, fully tiled walls.

Attic Space - 4.59m x 4.12m (15'0" x 13'6") - Currently used as a bedroom (no current building regs), being well presented with a Velux window opening to the rear offering wonderful far reaching views, carpeted flooring, built in wardrobes and drawers.

Rear Garden - To the rear is a concrete area leading on to a raised decked seating area, outside store and gate allowing access at the rear.

Front - To the front is an area immediately adjacent to the front of the house allowing parking for 1 car.

Listed by

Rossett

Monopoly {Northwest} Ltd

Reference: 71777404

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 11/03/2024

Current heating cost: £1,443/year

Potential heating cost: £872/year

Est. upgrade cost to C: £26,105

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

Recommendations

Flat roof or sloping ceiling insulation (£850 - £1,500)
Cavity wall insulation (£500 - £1,500)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Low energy lighting for all fixed outlets (£30)
Upgrade heating controls (£350 - £450)
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)

EPC Graphs

EE Rating

EI Rating

FENSA Certificates

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

FENSA Certificate #3492851

Property Details

Street: 3 New Street

Town: Rhosllanerchrugog

Postcode: LL14 1RE

Installation Details

Items: 7 windows and 2 doors

Certificate Issued: 20/02/2006

Work Completed: 30/01/2006

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

214% since 1996

Event	Date	Price	% change
Sold	02/08/2019 (6 years ago)	£110,000	+214.3%
Sold	20/09/1996 (29 years ago)	£35,000	—

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
40 CAMPBELL STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1BP	£109,000	05/12/2025	Terraced
Same street 23 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£112,500	04/07/2024	Terraced
Same street 11 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£80,000	01/07/2024	Terraced
Same street 9A NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£94,000	31/05/2024	Terraced
Same street 19 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£130,000	17/03/2023	Detached
BRON Y WAWR SOUTH LANE, PONCIAU, WREXHAM, LL14 1RL	£145,000	02/11/2022	Terraced
BODAWEL, 64 BANK STREET, PONCIAU, WREXHAM, LL14 1EN	£137,000	26/09/2022	Terraced
Same street DOLWAR, 4 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£129,950	16/09/2022	Semi-detached
11 PENRY STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1DF	£64,000	26/08/2022	Terraced
4 HEOL Y FELIN, RHOSLLANERCHRUGOG, WREXHAM, LL14 1AT	£105,000	22/07/2022	Terraced
Same street GWYNFRYN NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£146,000	21/07/2022	Detached
Same street 10B NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£112,000	15/07/2022	Terraced
9 GERDDI, RHOSLLANERCHRUGOG, WREXHAM, LL14 1BS	£120,000	07/07/2022	Terraced
Same street 7A NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£127,000	20/06/2022	Semi-detached
BODAWEL, 64 BANK STREET, PONCIAU, WREXHAM, LL14 1EN	£84,500	22/04/2022	Terraced
BRON Y WAWR SOUTH LANE, PONCIAU, WREXHAM, LL14 1RL	£84,250	21/03/2022	Terraced
Same street 14 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£189,000	02/02/2022	Detached
8 SWAN STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1BN	£152,500	25/01/2022	Terraced
41 HALL STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 2LF	£127,500	28/09/2021	Terraced
FERNDALE QUEEN STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1PY	£135,000	24/09/2021	Terraced
Same street 12B NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£97,750	26/08/2021	Semi-detached
3 STAFFORD VIEW, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RF	£97,500	03/06/2021	Terraced
Same street 25 NEW STREET, RHOSLLANERCHRUGOG, WREXHAM, LL14 1RE	£110,000	28/05/2021	Terraced

Street average: £120,745 (11 sales)

Area average: £113,438 (12 sales)

Capital growth trend

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

5y growth 12.7%

10y growth 63.9%

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

1y (index) 2.6%

5y (index) 26.4%

10y (index) 54%

Rental Range

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

Low £681/mo

Realistic £757/mo

Optimistic £833/mo

Based on Local Authority from postcode lookup → Wrexham.

Location

Map view View on Google Maps View on OpenStreetMap Street View LL14 1RE

Nearby

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

Type	Name	Distance
Bus stop	Broad Street	0.1 miles
Shop	Unknown	0.5 miles
Shop	Johnstown Village Convenience Store	0.6 miles
Train station	Ruabon	1.8 miles
Train station	Wrexham Central	3.3 miles
University	Wrexham University, School of Creative Arts	3.4 miles
University	Wrexham University	3.6 miles
Hospital	Oswestry Minor Injuries Unit	10.3 miles

Street-level crime

Category	Count
Violence and sexual offences	36
Anti-social behaviour	25
Shoplifting	8
Other theft	6
Criminal damage and arson	5
Public order	4
Burglary	3
Drugs	3
Other crime	2
Vehicle crime	2
Total incidents	94

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
Ysgol Y Ponciau	Other	0.2 miles	— (No rating)
Ysgol Y Rhos	Other	0.2 miles	— (No rating)
Ysgol-Y-Grango	Other	0.2 miles	— (No rating)
Ysgol-Y-Wern	Other	0.3 miles	— (No rating)
Ysgol Hooson	Other	0.3 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
2 Bed Detached House, New Street, LL14	£750/mo	2	0.01 miles	OpenRent
2 Bed Flat, Ponciau, LL14	£675/mo	2	0.1 miles	OpenRent
2 Bed Terraced House, Owens Street, LL14	£700/mo	2	0.17 miles	OpenRent
2 Bed Semi-Detached House, Royal Oak Cottages, LL14	£750/mo	2	0.3 miles	OpenRent

Average rent: £719/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 7.5% gross yield avg £120,745 sale, £750/mo rent

Rent ratio 0.66%

Max investor price (0.8%) £90,625

Target investor price (1%) £72,500

Gross yield 7.9%

Cost-to-rent ratio 12.6×

Monthly cashflow £194/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 7.3%

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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