Sold STC Semi-detached

23 BORKWOOD WAY

ORPINGTON, GREATER LONDON BR6 9PB

4 beds 1 baths 1,130 sq ft Listed 29 Jul 2026 (-28d)

£750,000

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# 4 bedroom semi-detached house for sale (BR6 9PB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 23 BORKWOOD WAY, ORPINGTON, GREATER LONDON BR6 9PB |
| Price | £750,000 |
| Bedrooms | 4 |
| Bathrooms | 1 |
| Council tax | E |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 105 m² |
| Last sold | £650,000 Jul 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** B
- **Expiry date:** 30/05/2034
- **Current heating cost:** £1,819/year
- **Est. upgrade cost to C:** £28,675

### Recommendations
- A2 (£850 - £1,500)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- W2 (£4,000 - £6,000)
- G (£350 - £450)
- I (£2,200 - £3,000)
- 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/7693-3038-8205-1224-5200)

## Description

This extended semi-detached home sits on a large plot in a highly desirable road on the south side of Orpington, close to reputable schools and Orpington station.

The accommodation is over two floors and has been extended to the side and to the rear. On the ground floor, you will find two reception rooms - a living room at the front and dining room to the rear. In addition, there is an L-shaped kitchen/breakfast room and ground floor WC.

A hallway at the front has stairs that lead to the first floor landing and from here, you can access the four bedrooms and family bathroom and WC.

The stand-out feature of this home must be the impressive garden to the rear which extends to over 130' long and over 50' at its widest point.

It has areas of patio, lawn and many mature trees and shrubs. It's ideal for children to play.

At the front, you will find a private driveway providing off street parking and this also gives access to the integral garage.

Orpington, a desirable commuter town within the M25 with many people drawn to the area for the reputable schools and the railway stations that can transport you direct into London in as little as 15 minutes. The town centre has a comprehensive range of shops and facilities including the Walnuts Shopping Centre and Odeon cinema. Sports facilities are also well catered for with the Walnuts Leisure Centre, golf courses, football and rugby clubs all within the area. You will also find larger stores such as Marks and Spencer at the Nugent Retail Park, along with supermarkets and home living stores along the Sevenoaks Way. Shopping centres at Bluewater and Bromley can also be found within 10 miles drive or bus journey.

Local Authority: Bromley

Council Tax Band: E

Please note than an AML fee is chargeable once an offer is accepted to cover the cost of carrying out the required identity and anti-money laundering checks.

Extended Semi-detached

Four Bedrooms

Kitchen/Breakfast Room

130' Rear Garden

## Property Photos

- ![Picture No. 19](/listings/photos/175039838/1682282) - Picture No. 19
- ![Picture No. 10](/listings/photos/175039838/1682283) - Picture No. 10
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- ![Picture No. 16](/listings/photos/175039838/1682286) - Picture No. 16
- ![Picture No. 14](/listings/photos/175039838/1682287) - Picture No. 14
- ![Picture No. 12](/listings/photos/175039838/1682288) - Picture No. 12
- ![Picture No. 08](/listings/photos/175039838/1682289) - Picture No. 08
- ![Picture No. 02](/listings/photos/175039838/1682290) - Picture No. 02
- ![Picture No. 03](/listings/photos/175039838/1682291) - Picture No. 03
- ![Picture No. 04](/listings/photos/175039838/1682292) - Picture No. 04
- ![Picture No. 05](/listings/photos/175039838/1682293) - Picture No. 05
- ![Picture No. 06](/listings/photos/175039838/1682294) - Picture No. 06
- ![Picture No. 07](/listings/photos/175039838/1682295) - Picture No. 07
- ![Picture No. 09](/listings/photos/175039838/1682296) - Picture No. 09
- ![Picture No. 13](/listings/photos/175039838/1682297) - Picture No. 13
- ![Picture No. 17](/listings/photos/175039838/1682298) - Picture No. 17
- ![Picture No. 18](/listings/photos/175039838/1682299) - Picture No. 18
- ![Picture No. 20](/listings/photos/175039838/1682300) - Picture No. 20
- ![Picture No. 21](/listings/photos/175039838/1682301) - Picture No. 21

## Floorplans

- ![Floorplan](/listings/photos/175039838/1682302) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/175039838/1682303) - EPC Rating Graph

## FENSA Certificates

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

### FENSA Certificate #16482687
- **Address:** 23 Borkwood Way, ORPINGTON, BR6 9PB
- **Certificate Issued:** 22/09/2024
- **Work Completed:** 12/09/2024
- **Items:** 1 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 23 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB | £650,000 | 15/07/2024 | Semi-detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 22 ROSEBERRY GARDENS, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QE | £460,000 | 23/01/2026 | Semi-detached |
| 19 TUBBENDEN DRIVE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PA | £677,500 | 09/01/2026 | Semi-detached |
| 2 FAIRVIEW DRIVE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NX | £545,000 | 12/12/2025 | Semi-detached |
| 42 LEAMINGTON AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QB | £555,415 | 28/11/2024 | Semi-detached |
| 22 LEAMINGTON AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QB | £520,000 | 30/11/2023 | Semi-detached |
| 31 LEAMINGTON AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QA | £555,000 | 31/10/2023 | Semi-detached |
| [Same street] 31 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB | £600,000 | 27/10/2023 | Other |
| 23 TILE FARM ROAD, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9RY | £615,000 | 28/09/2023 | Semi-detached |
| [Same street] 7 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB | £707,500 | 26/09/2023 | Semi-detached |
| 35 MELROSE CRESCENT, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NT | £455,000 | 12/09/2023 | Semi-detached |
| 87 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PE | £587,000 | 25/08/2023 | Semi-detached |
| 35 MELROSE CRESCENT, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NT | £449,310 | 28/07/2023 | Semi-detached |
| 15 TUBBENDEN DRIVE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PA | £701,000 | 13/06/2023 | Semi-detached |
| 161 TUBBENDEN LANE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PS | £625,000 | 08/06/2023 | Semi-detached |
| 82 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PF | £609,000 | 31/03/2023 | Semi-detached |
| 50 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PF | £575,000 | 04/02/2023 | Semi-detached |
| [Same street] 41 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB | £480,000 | 27/01/2023 | Semi-detached |
| 2 SUMMERHILL CLOSE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PX | £467,500 | 25/01/2023 | Semi-detached |
| 59 NORTHLANDS AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9LU | £565,000 | 14/12/2022 | Semi-detached |
| 44 NORTHLANDS AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9LY | £588,000 | 29/11/2022 | Semi-detached |
| 54 RIDGEWAY CRESCENT, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QP | £790,000 | 29/11/2022 | Semi-detached |
| 113 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PE | £599,000 | 07/11/2022 | Semi-detached |
| 2 SOUTHLANDS AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NZ | £612,500 | 04/11/2022 | Semi-detached |
| [Same street] 21 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB | £640,000 | 08/04/2022 | Semi-detached |

**Street average:** £606,875 (4 sales)
**Area average:** £577,561 (20 sales)

## Price vs local average

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

- **Local average:** £623,538 (50 Semi-detached, BR6, 2024–2026)
- **Deviation:** +20.3%

## Rental Range

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

- **Low:** £1,513/mo
- **Realistic:** £1,681/mo
- **Optimistic:** £1,849/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,446/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 |
|------|------|------|------|------|
| 4 Bed Semi-Detached House, Newstead Avenue, BR6 | £2,650/mo | 4 | 0.49 miles | OpenRent |
| 4 Bed Detached House, Warren Road, BR6 | £2,500/mo | 4 | 0.51 miles | OpenRent |
| 4 Bed Terraced House, Highfield Avenue, BR6 | £2,400/mo | 4 | 0.71 miles | OpenRent |
| 4 Bed Terraced House, Arundel Drive, BR6 | £2,300/mo | 4 | 1.21 miles | OpenRent |

**Average rent: £2,463/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £306,250
- **Target investor price (1%):** £245,000

*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 £2,450/mo).*

- **Gross yield:** 3.9%
- **Cost-to-rent:** 25.5×
- **Monthly cashflow:** £-774/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.3%

*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:** £7,143/m²

## Capital growth trend

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

- **5y growth:** 8.7%
- **10y growth:** 27.1%

## House Price Index (HM Land Registry)

*Official index for Bromley; Semi-detached series; as of May 2026.*

- **1y growth (index):** 1.6%
- **5y growth (index):** 16.2%
- **10y growth (index):** 29%

## 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)

Picture No. 19 Picture No. 10 Picture No. 11 Picture No. 15 Picture No. 16 Picture No. 14 Picture No. 12 Picture No. 08 Picture No. 02 Picture No. 03 Picture No. 04 Picture No. 05 Picture No. 06 Picture No. 07 Picture No. 09 Picture No. 13 Picture No. 17 Picture No. 18 Picture No. 20 Picture No. 21

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Property details

Tenure

FREEHOLD

Floor area

105 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£650,000 Jul 2024

Price per m²

£7,143/m²

Local average

£623,538 (+20.3%)

Deprivation

Decile 10 (33,467 of 33,755)

Street crime

105 incidents within 1 mile (Jun 2026)

Key features

Extended Semi-detached
Four Bedrooms
Kitchen/Breakfast Room
130' Rear Garden

Additional details

Parking: Garage, Driveway
Garden: Yes

Description

This extended semi-detached home sits on a large plot in a highly desirable road on the south side of Orpington, close to reputable schools and Orpington station.

The accommodation is over two floors and has been extended to the side and to the rear. On the ground floor, you will find two reception rooms - a living room at the front and dining room to the rear. In addition, there is an L-shaped kitchen/breakfast room and ground floor WC.

A hallway at the front has stairs that lead to the first floor landing and from here, you can access the four bedrooms and family bathroom and WC.

The stand-out feature of this home must be the impressive garden to the rear which extends to over 130' long and over 50' at its widest point.
It has areas of patio, lawn and many mature trees and shrubs. It's ideal for children to play.
At the front, you will find a private driveway providing off street parking and this also gives access to the integral garage.

Orpington, a desirable commuter town within the M25 with many people drawn to the area for the reputable schools and the railway stations that can transport you direct into London in as little as 15 minutes. The town centre has a comprehensive range of shops and facilities including the Walnuts Shopping Centre and Odeon cinema. Sports facilities are also well catered for with the Walnuts Leisure Centre, golf courses, football and rugby clubs all within the area. You will also find larger stores such as Marks and Spencer at the Nugent Retail Park, along with supermarkets and home living stores along the Sevenoaks Way. Shopping centres at Bluewater and Bromley can also be found within 10 miles drive or bus journey.

Local Authority: Bromley
Council Tax Band: E

Please note than an AML fee is chargeable once an offer is accepted to cover the cost of carrying out the required identity and anti-money laundering checks.

Extended Semi-detached
Four Bedrooms
Kitchen/Breakfast Room
130' Rear Garden

Listed by

Orpington

Countrywide UK Sales - Connells

Reference: 175039838

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: B

Inspection date: 31/05/2024

Expiry date: 30/05/2034

Current heating cost: £1,819/year

Potential heating cost: £795/year

Est. upgrade cost to C: £28,675

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)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Floor insulation (solid floor) (£4,000 - £6,000)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
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)

Registered land (INSPIRE)

This location falls inside an HM Land Registry INSPIRE registered freehold polygon.

Plot: ~741 m² (0.18 acres)

Source: HM Land Registry INSPIRE Index Polygons.

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

FENSA Certificates

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

FENSA Certificate #16482687 Recent

Property Details

Street: 23 Borkwood Way

Town: ORPINGTON

Postcode: BR6 9PB

Installation Details

Items: 1 window and 1 door

Certificate Issued: 22/09/2024

Work Completed: 12/09/2024

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
Listed for sale	—	£750,000	+15.4%
Sold	15/07/2024 (2 years ago)	£650,000	—

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
22 ROSEBERRY GARDENS, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QE	£460,000	23/01/2026	Semi-detached
19 TUBBENDEN DRIVE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PA	£677,500	09/01/2026	Semi-detached
2 FAIRVIEW DRIVE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NX	£545,000	12/12/2025	Semi-detached
42 LEAMINGTON AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QB	£555,415	28/11/2024	Semi-detached
22 LEAMINGTON AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QB	£520,000	30/11/2023	Semi-detached
31 LEAMINGTON AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QA	£555,000	31/10/2023	Semi-detached
Same street 31 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB	£600,000	27/10/2023	Other
23 TILE FARM ROAD, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9RY	£615,000	28/09/2023	Semi-detached
Same street 7 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB	£707,500	26/09/2023	Semi-detached
35 MELROSE CRESCENT, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NT	£455,000	12/09/2023	Semi-detached
87 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PE	£587,000	25/08/2023	Semi-detached
35 MELROSE CRESCENT, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NT	£449,310	28/07/2023	Semi-detached
15 TUBBENDEN DRIVE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PA	£701,000	13/06/2023	Semi-detached
161 TUBBENDEN LANE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PS	£625,000	08/06/2023	Semi-detached
82 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PF	£609,000	31/03/2023	Semi-detached
50 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PF	£575,000	04/02/2023	Semi-detached
Same street 41 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB	£480,000	27/01/2023	Semi-detached
2 SUMMERHILL CLOSE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PX	£467,500	25/01/2023	Semi-detached
59 NORTHLANDS AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9LU	£565,000	14/12/2022	Semi-detached
44 NORTHLANDS AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9LY	£588,000	29/11/2022	Semi-detached
54 RIDGEWAY CRESCENT, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9QP	£790,000	29/11/2022	Semi-detached
113 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PE	£599,000	07/11/2022	Semi-detached
2 SOUTHLANDS AVENUE, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9NZ	£612,500	04/11/2022	Semi-detached
Same street 21 BORKWOOD WAY, ORPINGTON, BROMLEY, GREATER LONDON, BR6 9PB	£640,000	08/04/2022	Semi-detached

Street average: £606,875 (4 sales)

Area average: £577,561 (20 sales)

Capital growth trend

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

5y growth 8.7%

10y growth 27.1%

House Price Index (HM Land Registry — official index, not sold-price averages): Bromley. Series: Semi-detached. As of May 2026.

1y (index) 1.6%

5y (index) 16.2%

10y (index) 29%

Rental Range

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

Low £1,513/mo

Realistic £1,681/mo

Optimistic £1,849/mo

Based on Local Authority from postcode lookup → Bromley.

LHA (30th percentile) floor for Cambridge: £1,446/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View BR6 9PB

Nearby

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

Type	Name	Distance
Bus stop	Hail & Ride Fairview Drive	0.1 miles
Shop	Beale Ironmongers	0.3 miles
Shop	Rolands Bakery	0.3 miles
Train station	Orpington	0.7 miles
Train station	Chelsfield	1.2 miles
Hospital	Chelsfield Park Hospital	2.2 miles
Hospital	Sloane Hospital	4.8 miles
University	University of Greenwich	9.0 miles

Street-level crime

Category	Count
Violence and sexual offences	28
Anti-social behaviour	26
Public order	13
Vehicle crime	12
Other theft	8
Burglary	4
Drugs	4
Shoplifting	4
Robbery	2
Theft from the person	2
Criminal damage and arson	1
Possession of weapons	1
Total incidents	105

Within 1 mile during Jun 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
Tubbenden Primary School	Primary	0.2 miles	Good — 6 Jul 2023
Newstead Wood School	Secondary	0.4 miles	Outstanding — 17 Mar 2022
Holy Innocents Catholic Primary School	Primary	0.4 miles	Good — 8 Dec 2017
Warren Road Primary School	Primary	0.5 miles	Outstanding — 6 Feb 2023
Farnborough Primary School	Primary	0.5 miles	Good — 28 Apr 2024

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
4 Bed Semi-Detached House, Newstead Avenue, BR6	£2,650/mo	4	0.49 miles	OpenRent
4 Bed Detached House, Warren Road, BR6	£2,500/mo	4	0.51 miles	OpenRent
4 Bed Terraced House, Highfield Avenue, BR6	£2,400/mo	4	0.71 miles	OpenRent
4 Bed Terraced House, Arundel Drive, BR6	£2,300/mo	4	1.21 miles	OpenRent

Average rent: £2,463/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.33%

Max investor price (0.8%) £306,250

Target investor price (1%) £245,000

Gross yield 3.9%

Cost-to-rent ratio 25.5×

Monthly cashflow £-774/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -4.3%

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).