For sale Flat

FLAT B

18 VALMAR ROAD, LONDON, GREATER LONDON SE5 9NG

2 beds 1 baths 657 sq ft Listed 20 Mar 2026 (-85d)

£475,000

Reduced on 11 May 2026 · Was £485,000

Save

# 2 bedroom apartment for sale (SE5 9NG)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT B, 18 VALMAR ROAD, LONDON, GREATER LONDON SE5 9NG |
| Price | £475,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | B |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 61 m² |
| Last sold | £430,000 Sep 2018 |

## Description

A beautifully presented first floor, two double bedroom period conversion on a quiet residential road. Very well maintained by the current owners, the property offers generous living space, excellent natural light, and is ideal for first time buyers. Well positioned near the amenities of Coldharbour Lane and Camberwell, the property benefits from excellent transport links, including Denmark Hill, Loughborough Junction, and Brixton Station. This up-and-coming area offers a great mix of green spaces and city convenience, with a wide selection of shops, restaurants, and gastro pubs nearby. Elephant & Castle (Bakerloo & Northern lines) is around a 15 minute walk or a short bus ride away.

## Property Photos

- ![_DSC7732](/listings/photos/173543426/326572) - _DSC7732
- ![_DSC7728](/listings/photos/173543426/326573) - _DSC7728
- ![_DSC7736](/listings/photos/173543426/326574) - _DSC7736
- ![_DSC7702](/listings/photos/173543426/326575) - _DSC7702
- ![_DSC7724](/listings/photos/173543426/326576) - _DSC7724
- ![_DSC7742](/listings/photos/173543426/326578) - _DSC7742
- ![_DSC7717](/listings/photos/173543426/326579) - _DSC7717
- ![_DSC7709](/listings/photos/173543426/326580) - _DSC7709
- ![_DSC7712](/listings/photos/173543426/326581) - _DSC7712
- ![_DSC7744](/listings/photos/173543426/326582) - _DSC7744
- ![_DSC7753](/listings/photos/173543426/326583) - _DSC7753

## Floorplans

- ![Floor Plan](/listings/photos/173543426/326585) - Floor Plan

## EPC Graphs

- ![EPC Front Page](/listings/photos/173543426/326587) - EPC Front Page
- ![epc graph](/listings/photos/173543426/326598) - epc graph

## FENSA Certificates

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

### FENSA Certificate #10066913
- **Address:** 18 Valmar Road, LONDON, SE5 9NG
- **Certificate Issued:** 03/02/2014
- **Work Completed:** 18/12/2013
- **Items:** 5 window(s), 3 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 18 FLAT B VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £430,000 | 21/09/2018 | Flat |
| 18 FLAT B VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £402,000 | 11/09/2015 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 10 FLAT A MORNA ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NJ | £430,000 | 19/12/2025 | Flat |
| CEDARTREE COURT, 54 FLAT 3 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NH | £275,000 | 12/12/2025 | Flat |
| [Same street] 3 APARTMENT 1 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £645,000 | 12/09/2025 | Flat |
| [Same street] 12 GROUND FLOOR FLAT VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £485,000 | 16/05/2025 | Flat |
| KING GEORGE COURT, 26 FLAT 11 COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9SE | £400,000 | 21/02/2025 | Flat |
| 23 FLAT B COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR | £400,000 | 11/12/2023 | Flat |
| 25 FLAT A COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR | £450,000 | 11/12/2023 | Flat |
| 25B COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR | £450,000 | 11/12/2023 | Flat |
| 23 FLAT A COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR | £215,000 | 11/12/2023 | Flat |
| CALEB COURT, 1 FLAT 2 MILKWELL YARD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PH | £390,000 | 06/10/2023 | Flat |
| BARNET HOUSE FLAT 11 CRAWFORD ESTATE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9HE | £320,000 | 26/09/2023 | Flat |
| [Same street] 40 & A HALF VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £875,000 | 22/08/2023 | Terraced |
| ELMTREE COURT, 56 FLAT 4 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NH | £302,500 | 31/07/2023 | Flat |
| 11B DANEVILLE ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 8SE | £310,500 | 12/12/2022 | Flat |
| [Same street] 9 SECOND FLOOR FLAT VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £547,000 | 02/12/2022 | Flat |
| 39 ALLENDALE CLOSE, LONDON, SOUTHWARK, GREATER LONDON, SE5 8SG | £355,000 | 14/11/2022 | Flat |
| 47 CRAWFORD ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NF | £370,000 | 02/11/2022 | Flat |
| [Same street] 26 FIRST FLOOR FLAT VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £425,000 | 26/09/2022 | Flat |
| [Same street] 8 FLAT 2 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £375,000 | 05/09/2022 | Flat |
| 14G COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PR | £445,000 | 01/09/2022 | Flat |
| 14H COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PR | £392,500 | 16/08/2022 | Flat |
| 4 FLAT C MORNA ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NJ | £560,000 | 20/07/2022 | Flat |
| 14B COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PR | £240,000 | 18/07/2022 | Flat |
| [Same street] 44 FLAT C VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £375,000 | 13/06/2022 | Flat |
| BARNET HOUSE FLAT 12 CRAWFORD ESTATE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9HE | £410,000 | 13/04/2022 | Flat |
| WITHAM HOUSE FLAT 12 CRAWFORD ESTATE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9HG | £340,500 | 11/04/2022 | Flat |
| 62 ALLENDALE CLOSE, LONDON, SOUTHWARK, GREATER LONDON, SE5 8SG | £420,000 | 08/04/2022 | Flat |
| [Same street] 8 FLAT 1 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £493,640 | 21/03/2022 | Flat |
| [Same street] 4 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £595,000 | 17/12/2021 | Flat |
| [Same street] 12 FLAT C VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £425,000 | 17/09/2021 | Flat |
| [Same street] 3 APARTMENT 1 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG | £601,000 | 16/07/2021 | Flat |

**Street average:** £531,058 (11 sales)
**Area average:** £373,800 (20 sales)

## Price vs local average

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

- **Local average:** £451,917 (65 Flat, SE5, 2024–2026)
- **Deviation:** +5.1%

## Rental Range

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

- **Low:** £2,156/mo
- **Realistic:** £2,395/mo
- **Optimistic:** £2,635/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Inner South East London (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £1,546/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, Camberwell New Road, SE5 | £2,450/mo | 2 | 0.19 miles | OpenRent |
| 2 Bed Flat, Denmark Road, SE5 | £3,350/mo | 2 | 0.21 miles | OpenRent |
| 2 Bed Flat, Camberwell Church Street, SE5 | £2,550/mo | 2 | 0.26 miles | OpenRent |
| 2 Bed Flat, Baldwin Crescent, SE5 | £3,180/mo | 2 | 0.26 miles | OpenRent |
| 2 Bed Flat, De Crespigny Park, SE5 | £2,275/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed Flat, Coldharbour Lane, SE5 | £2,300/mo | 2 | 0.35 miles | OpenRent |
| 2 Bed Maisonette, Councillor Street, SE5 | £5,000/mo | 2 | 0.41 miles | OpenRent |
| 2 Bed Flat, Cameron House, SE5 | £2,250/mo | 2 | 0.44 miles | OpenRent |

**Average rent: £2,919/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.53% (weak for cashflow)
- **Max investor price (0.8%):** £312,500
- **Target investor price (1%):** £250,000

*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 £2,500/mo).*

- **Gross yield:** 6.3%
- **Cost-to-rent:** 15.8×
- **Monthly cashflow:** £354/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 3.1%

*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:** £7,787/m²

## Capital growth trend

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

- **5y growth:** 1.3%
- **10y growth:** 9.4%

## House Price Index (HM Land Registry)

*Official index for Southwark; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** -4.7%
- **5y growth (index):** -5%
- **10y growth (index):** -8.3%

## 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)

_DSC7732 _DSC7728 _DSC7736 _DSC7702 _DSC7724 _DSC7742 _DSC7717 _DSC7709 _DSC7712 _DSC7744 _DSC7753

/ 11

Property details

Tenure

LEASEHOLD (100 years remaining on lease)

Floor area

61 m²

Council tax band

Year built

England and Wales: 1900-1929

Last sold

£430,000 Sep 2018

Price per m²

£7,787/m²

Local average

£451,917 (+5.1%)

Deprivation

Decile 3 (8,590 of 33,755)

Street crime

1224 incidents within 1 mile (Apr 2026)

Key features

Two double bedrooms
Open plan
Lots of natural light
Modern Kitchen
Plenty of storage
Local amenities
Denmark Hill Station
Excellent bus routes
Ruskin Park
Kings College Hospital

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: Permit

Description

Listed by

London

Urban Village Homes Limited

Reference: 173543426

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floor Plan

EPC Graphs

EPC Front Page

epc graph

FENSA Certificates

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

FENSA Certificate #10066913

Property Details

Street: 18 Valmar Road

Town: LONDON

Postcode: SE5 9NG

Installation Details

Items: 5 windows and 3 doors

Certificate Issued: 03/02/2014

Work Completed: 18/12/2013

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

7% since 2015

Event	Date	Price	% change
Listed for sale	—	£475,000	+10.5%
Sold	21/09/2018 (7 years ago)	£430,000	+7%
Sold	11/09/2015 (10 years ago)	£402,000	—

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
10 FLAT A MORNA ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NJ	£430,000	19/12/2025	Flat
CEDARTREE COURT, 54 FLAT 3 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NH	£275,000	12/12/2025	Flat
Same street 3 APARTMENT 1 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£645,000	12/09/2025	Flat
Same street 12 GROUND FLOOR FLAT VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£485,000	16/05/2025	Flat
KING GEORGE COURT, 26 FLAT 11 COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9SE	£400,000	21/02/2025	Flat
23 FLAT B COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR	£400,000	11/12/2023	Flat
25 FLAT A COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR	£450,000	11/12/2023	Flat
25B COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR	£450,000	11/12/2023	Flat
23 FLAT A COLDHARBOUR LANE, LONDON, LAMBETH, GREATER LONDON, SE5 9NR	£215,000	11/12/2023	Flat
CALEB COURT, 1 FLAT 2 MILKWELL YARD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PH	£390,000	06/10/2023	Flat
BARNET HOUSE FLAT 11 CRAWFORD ESTATE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9HE	£320,000	26/09/2023	Flat
Same street 40 & A HALF VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£875,000	22/08/2023	Terraced
ELMTREE COURT, 56 FLAT 4 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NH	£302,500	31/07/2023	Flat
11B DANEVILLE ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 8SE	£310,500	12/12/2022	Flat
Same street 9 SECOND FLOOR FLAT VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£547,000	02/12/2022	Flat
39 ALLENDALE CLOSE, LONDON, SOUTHWARK, GREATER LONDON, SE5 8SG	£355,000	14/11/2022	Flat
47 CRAWFORD ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NF	£370,000	02/11/2022	Flat
Same street 26 FIRST FLOOR FLAT VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£425,000	26/09/2022	Flat
Same street 8 FLAT 2 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£375,000	05/09/2022	Flat
14G COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PR	£445,000	01/09/2022	Flat
14H COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PR	£392,500	16/08/2022	Flat
4 FLAT C MORNA ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NJ	£560,000	20/07/2022	Flat
14B COLDHARBOUR LANE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9PR	£240,000	18/07/2022	Flat
Same street 44 FLAT C VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£375,000	13/06/2022	Flat
BARNET HOUSE FLAT 12 CRAWFORD ESTATE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9HE	£410,000	13/04/2022	Flat
WITHAM HOUSE FLAT 12 CRAWFORD ESTATE, LONDON, SOUTHWARK, GREATER LONDON, SE5 9HG	£340,500	11/04/2022	Flat
62 ALLENDALE CLOSE, LONDON, SOUTHWARK, GREATER LONDON, SE5 8SG	£420,000	08/04/2022	Flat
Same street 8 FLAT 1 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£493,640	21/03/2022	Flat
Same street 4 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£595,000	17/12/2021	Flat
Same street 12 FLAT C VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£425,000	17/09/2021	Flat
Same street 3 APARTMENT 1 VALMAR ROAD, LONDON, SOUTHWARK, GREATER LONDON, SE5 9NG	£601,000	16/07/2021	Flat

Street average: £531,058 (11 sales)

Area average: £373,800 (20 sales)

Capital growth trend

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

5y growth 1.3%

10y growth 9.4%

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

1y (index) -4.7%

5y (index) -5%

10y (index) -8.3%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: ASSETHOLD LIMITED (2276277)

Rental Range

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

Low £2,156/mo

Realistic £2,395/mo

Optimistic £2,635/mo

Based on Local Authority from postcode lookup → Southwark.

LHA (30th percentile) floor for Inner South East London: £1,546/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SE5 9NG

Nearby

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

Type	Name	Distance
Shop	Audy Berry Hair	0.0 miles
Shop	A Class Salon	0.0 miles
Bus stop	Denmark Hill / Camberwell Green	0.1 miles
Bus stop	Valmar Road	0.1 miles
Hospital	Dental Hospital	0.2 miles
Hospital	King's College Hospital Emergency Department	0.3 miles
Train station	Denmark Hill	0.4 miles
Train station	Loughborough Junction	0.5 miles
University	University of Wales Trinity Saint David London Campus	0.8 miles
University	University Library	1.8 miles

Street-level crime

Category	Count
Violence and sexual offences	335
Anti-social behaviour	240
Theft from the person	97
Other theft	82
Vehicle crime	76
Criminal damage and arson	71
Shoplifting	66
Public order	64
Drugs	63
Burglary	49
Robbery	34
Bicycle theft	25
Other crime	13
Possession of weapons	9
Total incidents	1224

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
Crawford Primary School	Primary	0.1 miles	Good — 25 Nov 2019
Maudsley and Bethlem Hospital School	Other	0.2 miles	Outstanding — 8 Dec 2011
Sacred Heart Catholic School	Secondary	0.2 miles	Outstanding — 18 Jan 2024
Arco Academy	Other	0.2 miles	Requires improvement — 11 Nov 2021
The Hospital and Home Tuition Sick Children's Service	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 Terraced House, Camberwell New Road, SE5	£2,450/mo	2	0.19 miles	OpenRent
2 Bed Flat, Denmark Road, SE5	£3,350/mo	2	0.21 miles	OpenRent
2 Bed Flat, Camberwell Church Street, SE5	£2,550/mo	2	0.26 miles	OpenRent
2 Bed Flat, Baldwin Crescent, SE5	£3,180/mo	2	0.26 miles	OpenRent
2 Bed Flat, De Crespigny Park, SE5	£2,275/mo	2	0.29 miles	OpenRent
2 Bed Flat, Coldharbour Lane, SE5	£2,300/mo	2	0.35 miles	OpenRent
2 Bed Maisonette, Councillor Street, SE5	£5,000/mo	2	0.41 miles	OpenRent
2 Bed Flat, Cameron House, SE5	£2,250/mo	2	0.44 miles	OpenRent

Average rent: £2,919/mo (8 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 3.5% gross yield avg £531,058 sale, £1,550/mo rent

Rent ratio 0.53%

Max investor price (0.8%) £312,500

Target investor price (1%) £250,000

Gross yield 6.3%

Cost-to-rent ratio 15.8×

Monthly cashflow £354/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 3.1%

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).