Sold STC End of terrace

23 BWLLFA ROAD

ABERDARE, RHONDDA CYNON TAFF CF44 8UG

3 beds 2 baths 81 m² Listed 20 Oct 2025 (-274d)

£199,995

Save

# 3 bedroom end of terrace house for sale (CF44 8UG)

## Property Details

| Key | Value |
|-----|-------|
| Address | 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF CF44 8UG |
| Price | £199,995 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Last sold | £195,000 Jan 2026 |

## Description

Bwllfa Road

We are delighted to market this immaculately presented and very spacious 3 bedroom property on Bwllfa Road, in the sought after village of Cwmdare.

This gorgeous home is close to excellent village amenities, schools and transport links and is only a 1 minute walk to the beautiful Dare Valley Country Park.

Off road parking, 3 double bedrooms, 2 bathrooms, a spacious living room and a beautiful kitchen-diner, coupled with a wonderful finish throughout and a sun filled garden.

This property will tick a lot of boxes!

The large living and dining room is warm and inviting and presented to an excellent standard. The spacious kitchen-diner is finished beautifully, with a range of integrated appliances and quiet views in to the garden. A separate WC is found on this floor.

Upstairs, the principal bedroom is presented to an excellent standard and is a large double bedroom. Bedroom 2 is another large double with quiet views in to the garden and farmers fields and bedroom 3 is another good sized double. The sleek family bathroom is well designed and well appointed with a shower over the bath.

The sun filled garden is very quiet and private and is a combination of artificial lawn and patio. This property also benefits from excellent off road parking for 2 vehicles.

A simply beautiful home in a highly desirable location.

## Property Photos

- ![IMG_3396.jpeg](/listings/photos/168408215/1223871) - IMG_3396.jpeg
- ![IMG_3405.jpeg](/listings/photos/168408215/1223872) - IMG_3405.jpeg
- ![IMG_3413.jpeg](/listings/photos/168408215/1223873) - IMG_3413.jpeg
- ![IMG_3416.jpeg](/listings/photos/168408215/1223874) - IMG_3416.jpeg
- ![IMG_3419.jpeg](/listings/photos/168408215/1223875) - IMG_3419.jpeg
- ![IMG_3421.jpeg](/listings/photos/168408215/1223876) - IMG_3421.jpeg
- ![IMG_3467.jpeg](/listings/photos/168408215/1223877) - IMG_3467.jpeg
- ![IMG_3433.jpeg](/listings/photos/168408215/1223878) - IMG_3433.jpeg
- ![IMG_3440.jpeg](/listings/photos/168408215/1223879) - IMG_3440.jpeg
- ![IMG_3443.jpeg](/listings/photos/168408215/1223880) - IMG_3443.jpeg
- ![IMG_3446.jpeg](/listings/photos/168408215/1223881) - IMG_3446.jpeg
- ![IMG_3450.jpeg](/listings/photos/168408215/1223882) - IMG_3450.jpeg
- ![IMG_3455.jpeg](/listings/photos/168408215/1223883) - IMG_3455.jpeg
- ![IMG_3462.jpeg](/listings/photos/168408215/1223884) - IMG_3462.jpeg
- ![IMG_3475.jpeg](/listings/photos/168408215/1223885) - IMG_3475.jpeg
- ![IMG_3483.jpeg](/listings/photos/168408215/1223886) - IMG_3483.jpeg
- ![IMG_3487.jpeg](/listings/photos/168408215/1223887) - IMG_3487.jpeg
- ![IMG_3493.jpeg](/listings/photos/168408215/1223888) - IMG_3493.jpeg
- ![IMG_3497.jpeg](/listings/photos/168408215/1223889) - IMG_3497.jpeg
- ![IMG_3500.jpeg](/listings/photos/168408215/1223890) - IMG_3500.jpeg
- ![IMG_3505.jpeg](/listings/photos/168408215/1223891) - IMG_3505.jpeg
- ![IMG_3514.jpeg](/listings/photos/168408215/1223892) - IMG_3514.jpeg
- ![IMG_3520.jpeg](/listings/photos/168408215/1223893) - IMG_3520.jpeg
- ![IMG_3535.jpeg](/listings/photos/168408215/1223894) - IMG_3535.jpeg
- ![IMG_3545.jpeg](/listings/photos/168408215/1223895) - IMG_3545.jpeg

## EPC Graphs

- ![EE](/listings/photos/168408215/1223896) - EE
- ![EI](/listings/photos/168408215/1223897) - EI

## FENSA Certificates

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

### FENSA Certificate #2226378
- **Address:** 23 Bwllfa Road, Cwmdare, CF44 8UG
- **Certificate Issued:** 16/11/2004
- **Work Completed:** 22/10/2004
- **Items:** 7 window(s), 2 door(s)

### FENSA Certificate #3640031
- **Address:** 23 Bwllfa Road, ABERDARE, CF44 8UG
- **Certificate Issued:** 11/04/2006
- **Work Completed:** 17/02/2006
- **Items:** 1 door(s)

### FENSA Certificate #7464410
- **Address:** 23 Bwllfa Road, ABERDARE, CF44 8UG
- **Certificate Issued:** 06/07/2010
- **Work Completed:** 12/04/2010
- **Items:** 2 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £195,000 | 23/01/2026 | Terraced |
| 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £177,500 | 26/05/2022 | Terraced |
| 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £119,995 | 06/08/2020 | Terraced |
| 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £98,500 | 02/04/2015 | Terraced |
| 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £85,000 | 02/07/2010 | Terraced |
| 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £45,000 | 27/08/2009 | Terraced |
| 23 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £29,950 | 01/12/1999 | 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 |
|---------|-------|------|------|
| 37 BRYNDERWEN, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8SE | £182,000 | 28/11/2025 | Terraced |
| 24 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB | £159,950 | 24/11/2023 | Terraced |
| [Same street] 58 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £160,000 | 20/09/2023 | Terraced |
| 33 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB | £68,000 | 22/08/2023 | Terraced |
| 75 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF | £93,000 | 11/05/2023 | Terraced |
| 2 JAMES STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8UD | £185,000 | 05/05/2023 | Terraced |
| 17 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR | £101,000 | 17/02/2023 | Terraced |
| 4 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB | £137,000 | 11/11/2022 | Terraced |
| 29 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR | £115,000 | 28/10/2022 | Terraced |
| 83 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF | £93,000 | 07/10/2022 | Terraced |
| 30 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB | £79,000 | 12/08/2022 | Terraced |
| [Same street] 35 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £127,000 | 15/07/2022 | Terraced |
| [Same street] 22D BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £93,500 | 06/07/2022 | Terraced |
| [Same street] 52 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £113,500 | 10/06/2022 | Terraced |
| 28 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR | £160,000 | 10/06/2022 | Terraced |
| [Same street] 43 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG | £145,000 | 23/02/2022 | Terraced |
| 103 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF | £127,000 | 22/02/2022 | Terraced |
| 82 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF | £145,000 | 11/02/2022 | Terraced |
| 1 QUEEN STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TT | £110,000 | 16/12/2021 | Terraced |
| 30 BRYNDERWEN, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8SE | £175,000 | 10/12/2021 | Terraced |
| 73 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF | £132,500 | 09/12/2021 | Terraced |
| 72 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF | £150,500 | 08/12/2021 | Terraced |
| 9 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR | £136,500 | 11/11/2021 | Terraced |
| 4 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR | £103,000 | 08/10/2021 | Terraced |
| 47 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR | £130,000 | 27/08/2021 | Terraced |

**Street average:** £127,800 (5 sales)
**Area average:** £129,123 (20 sales)

## Price vs local average

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

- **Local average:** £116,316 (72 Terraced, CF44, 2024–2026)
- **Deviation:** +71.9%

## Rental Range

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

- **Low:** £673/mo
- **Realistic:** £748/mo
- **Optimistic:** £823/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, Ann Street, CF44 | £800/mo | 3 | 1.21 miles | OpenRent |

**Average rent: £800/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.4% (weak for cashflow)
- **Max investor price (0.8%):** £100,000
- **Target investor price (1%):** £80,000

*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 £800/mo).*

- **Gross yield:** 4.8%
- **Cost-to-rent:** 20.8×
- **Monthly cashflow:** £-93/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.9%

*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:** 11.2%
- **10y growth:** 43.2%

## House Price Index (HM Land Registry)

*Official index for Rhondda Cynon Taf; Terraced series; as of April 2026.*

- **1y growth (index):** 8%
- **5y growth (index):** 31.8%
- **10y growth (index):** 75.8%

## 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)

IMG_3396.jpeg IMG_3405.jpeg IMG_3413.jpeg IMG_3416.jpeg IMG_3419.jpeg IMG_3421.jpeg IMG_3467.jpeg IMG_3433.jpeg IMG_3440.jpeg IMG_3443.jpeg IMG_3446.jpeg IMG_3450.jpeg IMG_3455.jpeg IMG_3462.jpeg IMG_3475.jpeg IMG_3483.jpeg IMG_3487.jpeg IMG_3493.jpeg IMG_3497.jpeg IMG_3500.jpeg IMG_3505.jpeg IMG_3514.jpeg IMG_3520.jpeg IMG_3535.jpeg IMG_3545.jpeg

/ 25

Property details

Tenure

FREEHOLD

Floor area

81 m²

Last sold

£195,000 Jan 2026

Local average

£116,316 (+71.9%)

Street crime

46 incidents within 1 mile (May 2026)

Additional details

Parking: Yes
Garden: Yes

Description

Bwllfa Road

We are delighted to market this immaculately presented and very spacious 3 bedroom property on Bwllfa Road, in the sought after village of Cwmdare.

This gorgeous home is close to excellent village amenities, schools and transport links and is only a 1 minute walk to the beautiful Dare Valley Country Park.

Off road parking, 3 double bedrooms, 2 bathrooms, a spacious living room and a beautiful kitchen-diner, coupled with a wonderful finish throughout and a sun filled garden.

This property will tick a lot of boxes!

The large living and dining room is warm and inviting and presented to an excellent standard. The spacious kitchen-diner is finished beautifully, with a range of integrated appliances and quiet views in to the garden. A separate WC is found on this floor.

Upstairs, the principal bedroom is presented to an excellent standard and is a large double bedroom. Bedroom 2 is another large double with quiet views in to the garden and farmers fields and bedroom 3 is another good sized double. The sleek family bathroom is well designed and well appointed with a shower over the bath.

The sun filled garden is very quiet and private and is a combination of artificial lawn and patio. This property also benefits from excellent off road parking for 2 vehicles.

A simply beautiful home in a highly desirable location.

Listed by

Aberdare

Penhill Jones Property

Reference: 168408215

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

FENSA Certificates

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

FENSA Certificate #2226378

Property Details

Street: 23 Bwllfa Road

Town: Cwmdare

Postcode: CF44 8UG

Installation Details

Items: 7 windows and 2 doors

Certificate Issued: 16/11/2004

Work Completed: 22/10/2004

This certificate data was retrieved from FENSA's database

FENSA Certificate #3640031

Property Details

Street: 23 Bwllfa Road

Town: ABERDARE

Postcode: CF44 8UG

Installation Details

Items: 1 door

Certificate Issued: 11/04/2006

Work Completed: 17/02/2006

This certificate data was retrieved from FENSA's database

FENSA Certificate #7464410

Property Details

Street: 23 Bwllfa Road

Town: ABERDARE

Postcode: CF44 8UG

Installation Details

Items: 2 windows

Certificate Issued: 06/07/2010

Work Completed: 12/04/2010

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

551% since 1999

Event	Date	Price	% change
Sold	23/01/2026 (5 months ago)	£195,000	+9.9%
Sold	26/05/2022 (4 years ago)	£177,500	+47.9%
Sold	06/08/2020 (5 years ago)	£119,995	+21.8%
Sold	02/04/2015 (11 years ago)	£98,500	+15.9%
Sold	02/07/2010 (16 years ago)	£85,000	+88.9%
Sold	27/08/2009 (16 years ago)	£45,000	+50.3%
Sold	01/12/1999 (26 years ago)	£29,950	—

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
37 BRYNDERWEN, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8SE	£182,000	28/11/2025	Terraced
24 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB	£159,950	24/11/2023	Terraced
Same street 58 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG	£160,000	20/09/2023	Terraced
33 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB	£68,000	22/08/2023	Terraced
75 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF	£93,000	11/05/2023	Terraced
2 JAMES STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8UD	£185,000	05/05/2023	Terraced
17 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR	£101,000	17/02/2023	Terraced
4 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB	£137,000	11/11/2022	Terraced
29 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR	£115,000	28/10/2022	Terraced
83 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF	£93,000	07/10/2022	Terraced
30 DARE ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UB	£79,000	12/08/2022	Terraced
Same street 35 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG	£127,000	15/07/2022	Terraced
Same street 22D BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG	£93,500	06/07/2022	Terraced
Same street 52 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG	£113,500	10/06/2022	Terraced
28 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR	£160,000	10/06/2022	Terraced
Same street 43 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UG	£145,000	23/02/2022	Terraced
103 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF	£127,000	22/02/2022	Terraced
82 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF	£145,000	11/02/2022	Terraced
1 QUEEN STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TT	£110,000	16/12/2021	Terraced
30 BRYNDERWEN, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8SE	£175,000	10/12/2021	Terraced
73 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF	£132,500	09/12/2021	Terraced
72 BWLLFA ROAD, ABERDARE, RHONDDA CYNON TAFF, CF44 8UF	£150,500	08/12/2021	Terraced
9 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR	£136,500	11/11/2021	Terraced
4 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR	£103,000	08/10/2021	Terraced
47 KING STREET, CWMDARE, ABERDARE, RHONDDA CYNON TAFF, CF44 8TR	£130,000	27/08/2021	Terraced

Street average: £127,800 (5 sales)

Area average: £129,123 (20 sales)

Capital growth trend

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

5y growth 11.2%

10y growth 43.2%

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

1y (index) 8%

5y (index) 31.8%

10y (index) 75.8%

Rental Range

Estimated market rent for Rhondda Cynon Taf. Low = conservative, Realistic = average, Optimistic = best case.

Low £673/mo

Realistic £748/mo

Optimistic £823/mo

Based on Local Authority from postcode lookup → Rhondda Cynon Taf.

Location

Map view View on Google Maps View on OpenStreetMap Street View CF44 8UG

Nearby

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

Type	Name	Distance
Bus stop	Unknown	0.2 miles
Shop	Unknown	1.2 miles
Shop	Autocare	1.2 miles
Train station	Aberdare	1.8 miles
Train station	Cwmbach	3.0 miles
Hospital	Priory Hospital Ty Cwm Rhondda	5.3 miles
Hospital	Ysbyty Cwm Rhondda	5.8 miles

Street-level crime

Category	Count
Violence and sexual offences	20
Public order	10
Anti-social behaviour	6
Criminal damage and arson	3
Vehicle crime	3
Other crime	2
Burglary	1
Drugs	1
Total incidents	46

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
Cwmdar County Primary School	Other	0.3 miles	— (No rating)
Maesgwyn Special School	Other	0.5 miles	— (No rating)
Ysgol G.G. Aberdar	Other	0.5 miles	— (No rating)
Ty Gwyn Education Centres	Other	0.7 miles	— (No rating)
Park Lane Special School	Other	0.7 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
3 Bed Terraced House, Ann Street, CF44	£800/mo	3	1.21 miles	OpenRent

Average rent: £800/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.4%

Max investor price (0.8%) £100,000

Target investor price (1%) £80,000

Gross yield 4.8%

Cost-to-rent ratio 20.8×

Monthly cashflow £-93/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.9%

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).