Sold STC Semi-detached

297 PRINCE OF WALES LANE

BIRMINGHAM, WEST MIDLANDS B14 4LN

3 beds 1 baths 850 sq ft Listed 24 Aug 2022 (-1368d)

£255,000

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# 3 bedroom semi-detached house for sale (B14 4LN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 297 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS B14 4LN |
| Price | £255,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 79 m² |
| Last sold | £253,000 Dec 2022 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £551/year
- **Est. upgrade cost to C:** £15,500

### Recommendations
- B (£500 - £1,500)
- W2 (£4,000 - £6,000)
- 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/2679-3019-9208-3502-6204)

## Description

**** **** The property is set back from the road behind a block paved driveway providing off road parking extending to side gate access and storm porch with UPVC double glazed door leading into

**Entrance** **Hallway** **** With ceiling light point, radiator, coving to ceiling, stairs leading to the first floor accommodation, double glazed windows to front, obscure windows to lounge and doors leading off to

**Lounge** **Area** **17' 0" x 9' 10" (5.2m x 3.0m)** With double glazed sliding patio doors leading into conservatory, ceiling light point, radiator, wall lighting, gas fireplace with marble hearth and decorative surround and archway leading through to

**Dining** **Area** **** **9' 6" x 7' 10" (2.9m x 2.4m)** With double glazed window to rear elevation, radiator, ceiling light point and door leading into

**Kitchen** **10' 5" x 6' 6" (3.2m x 2.0m)** Being fitted with a range of wall, drawer and base units with laminate work surfaces, sink and drainer unit, tiling to splashback areas, gas cooker, fridge freezer, space and plumbing for washing machine, radiator, ceiling light point, useful pantry, under-stairs storage cupboard, double glazed window to side and UPVC obscure double glazed door to side

**Conservatory** **** **9' 10" x 8' 10" (3.0m x 2.7m)** With double glazed windows, polycarbonate roof, wall lighting and double glazed French doors leading out to the rear garden

**Accommodation** **on** **the** **First** **Floor** ****

**Landing** **** **** With obscure double glazed window to front elevation, coving to ceiling, loft access, ceiling light points and doors leading off to

**Bedroom** **One** **to** **Rear** **12' 9" x 7' 10" (3.9m x 2.4m)** With double glazed window to rear elevation, coving to ceiling, radiator, ceiling light point and a range of built-in wardrobes with vanity area

**Bedroom** **Two** **to** **Front** **** **10' 5" x 8' 10" (3.2m x 2.7m)** With double glazed window to front elevation, radiator, ceiling light point and useful over-stairs storage cupboard

**Bedroom** **Three** **to** **Rear** **8' 2" x 6' 6" (2.5m x 2.0m)** With double glazed window to rear elevation, radiator and ceiling light point

**Family** **Bathroom** **7' 6" x 4' 11" (2.3m x 1.5m)** Being fitted with a three piece suite comprising; panelled bath with shower over, low flush WC and pedestal wash hand basin, obscure double glazed window to side, tiling to walls, radiator, ceiling light point, electric wall heater and useful airing cupboard

**Low** **Maintenance** **Rear** **Garden** **** **** Being paved with mature shrub borders and fencing to boundaries

**Tenure** **** **** We are advised by the vendor that the property is freehold, but are awaiting confirmation from the vendor's solicitor. We would strongly advise all interested parties to obtain verification through their own solicitor or legal representative. EPC supplied by Nigel Hodges. Current council tax band - C

**** **** PROPERTY MISDESCRIPTIONS ACT: SMART HOMES have not tested any equipment, fixtures, fittings or services mentioned and do not by these Particulars or otherwise verify or warrant that they are in working order.  All measurements listed are given as an approximate guide and must be carefully checked by and verified by any Prospective Purchaser. These particulars form no part of any sale contract.  Any Prospective Purchaser should obtain verification of all legal and factual matters and information from their Solicitor, Licensed Conveyancer or Surveyors as appropriate.

## Property Photos

- ![Photo](/listings/photos/126349289/369883)
- ![Photo](/listings/photos/126349289/369884)
- ![Photo](/listings/photos/126349289/369885)
- ![Photo](/listings/photos/126349289/369886)
- ![Photo](/listings/photos/126349289/369887)
- ![Photo](/listings/photos/126349289/369888)
- ![Photo](/listings/photos/126349289/369889)
- ![Photo](/listings/photos/126349289/369890)
- ![Photo](/listings/photos/126349289/369891)
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- ![Photo](/listings/photos/126349289/369899)
- ![Photo](/listings/photos/126349289/369901)
- ![Photo](/listings/photos/126349289/369907)
- ![Photo](/listings/photos/126349289/369908)
- ![Photo](/listings/photos/126349289/369914)

## Floorplans

- ![Floorplan 1](/listings/photos/126349289/369918) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/126349289/369920) - EPC 1

## FENSA Certificates

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

### FENSA Certificate #98470
- **Address:** 297 PRINCE OF WALES LANE, BIRMINGHAM, B14 4LN
- **Certificate Issued:** 15/10/2002
- **Work Completed:** 19/08/2002
- **Items:** 2 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 297 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS, B14 4LN | £253,000 | 16/12/2022 | 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 |
|---------|-------|------|------|
| [Same street] 295 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS, B14 4LN | £26,170 | 06/01/2026 | Semi-detached |
| [Same street] 293 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS, B14 4LN | £270,000 | 28/10/2025 | Semi-detached |
| 36 HYTALL ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NF | £326,000 | 07/07/2025 | Semi-detached |
| 17 GORLESTON ROAD, BIRMINGHAM, WEST MIDLANDS, B14 4NR | £185,000 | 26/03/2025 | Semi-detached |
| 563 PETERBROOK ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1HS | £239,000 | 24/11/2023 | Semi-detached |
| 23 WESTFIELD AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PN | £200,000 | 27/10/2023 | Semi-detached |
| 14 MORTIMERS CLOSE, BIRMINGHAM, WEST MIDLANDS, B14 4PW | £345,000 | 16/08/2023 | Semi-detached |
| 292 PRINCE OF WALES LANE, BIRMINGHAM, SOLIHULL, WEST MIDLANDS, B14 4LL | £315,000 | 21/07/2023 | Semi-detached |
| 32 HYTALL ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NF | £320,000 | 19/07/2023 | Semi-detached |
| 288 PRINCE OF WALES LANE, BIRMINGHAM, SOLIHULL, WEST MIDLANDS, B14 4LL | £311,000 | 09/06/2023 | Semi-detached |
| 32 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NQ | £270,000 | 31/01/2023 | Semi-detached |
| 32 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NQ | £270,000 | 31/01/2023 | Semi-detached |
| 15 MORTIMERS CLOSE, BIRMINGHAM, WEST MIDLANDS, B14 4PW | £371,000 | 16/01/2023 | Semi-detached |
| 15 GORLESTON ROAD, BIRMINGHAM, WEST MIDLANDS, B14 4NR | £335,000 | 02/12/2022 | Semi-detached |
| 60 HYTALL ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NF | £278,000 | 31/10/2022 | Semi-detached |
| 52 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NH | £235,000 | 25/10/2022 | Semi-detached |
| 1 GORLESTON GROVE, BIRMINGHAM, WEST MIDLANDS, B14 4NS | £260,000 | 21/10/2022 | Semi-detached |
| 12 INSULL AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PR | £265,000 | 14/10/2022 | Semi-detached |
| 27 WESTFIELD AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PN | £285,000 | 22/07/2022 | Semi-detached |
| [Same street] 291 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS, B14 4LN | £264,000 | 01/07/2022 | Terraced |
| 6 INSULL AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PR | £220,000 | 10/06/2022 | Semi-detached |
| 10 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NG | £330,000 | 31/05/2022 | Semi-detached |
| 72 GORLESTON ROAD, BIRMINGHAM, WEST MIDLANDS, B14 4NR | £240,000 | 31/05/2022 | Semi-detached |

**Street average:** £186,723 (3 sales)
**Area average:** £280,000 (20 sales)

## Price vs local average

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

- **Local average:** £254,964 (37 Semi-detached, B14, 2024–2026)
- **Deviation:** +0%

## Rental Range

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

- **Low:** £977/mo
- **Realistic:** £1,086/mo
- **Optimistic:** £1,195/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £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, Yardley Wood, B14 | £1,200/mo | 3 | 0.4 miles | OpenRent |

**Average rent: £1,200/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.47% (weak for cashflow)
- **Max investor price (0.8%):** £150,000
- **Target investor price (1%):** £120,000

*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 £1,200/mo).*

- **Gross yield:** 5.6%
- **Cost-to-rent:** 17.7×
- **Monthly cashflow:** £51/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.8%

*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:** £3,228/m²

## Capital growth trend

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

- **5y growth:** 14.7%
- **10y growth:** 39.5%

## House Price Index (HM Land Registry)

*Official index for Birmingham; Semi-detached series; as of February 2026.*

- **1y growth (index):** 1.8%
- **5y growth (index):** 19.6%
- **10y growth (index):** 60.2%

## Flood risk

- **Zone:** 2
- **Risk:** In flood risk area
- **Source:** Environment Agency Flood Risk Areas (APSFR)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

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Property details

Tenure

FREEHOLD

Floor area

79 m²

EPC rating

Year built

England and Wales: 1950-1966

Last sold

£253,000 Dec 2022

Price per m²

£3,228/m²

Local average

£254,964 (+0%)

Deprivation

Decile 2 (4,815 of 33,755)

Street crime

252 incidents within 1 mile (Mar 2026)

Key features

A Well Maintained Semi Detached Property
Three Good Size Bedrooms
Open Plan Lounge Diner
Kitchen
Conservatory
Family Bathroom
Low Maintenance West Facing Rear Garden
Off Road Parking
No Upward Chain

Additional details

Parking: Off street
Garden: Yes

Description

** The property is set back from the road behind a block paved driveway providing off road parking extending to side gate access and storm porch with UPVC double glazed door leading into

Entrance Hallway With ceiling light point, radiator, coving to ceiling, stairs leading to the first floor accommodation, double glazed windows to front, obscure windows to lounge and doors leading off to

Lounge Area 17' 0" x 9' 10" (5.2m x 3.0m) With double glazed sliding patio doors leading into conservatory, ceiling light point, radiator, wall lighting, gas fireplace with marble hearth and decorative surround and archway leading through to

Dining Area 9' 6" x 7' 10" (2.9m x 2.4m) With double glazed window to rear elevation, radiator, ceiling light point and door leading into

Kitchen 10' 5" x 6' 6" (3.2m x 2.0m) Being fitted with a range of wall, drawer and base units with laminate work surfaces, sink and drainer unit, tiling to splashback areas, gas cooker, fridge freezer, space and plumbing for washing machine, radiator, ceiling light point, useful pantry, under-stairs storage cupboard, double glazed window to side and UPVC obscure double glazed door to side

Conservatory 9' 10" x 8' 10" (3.0m x 2.7m) With double glazed windows, polycarbonate roof, wall lighting and double glazed French doors leading out to the rear garden

Accommodation on the First Floor

Landing With obscure double glazed window to front elevation, coving to ceiling, loft access, ceiling light points and doors leading off to

Bedroom One to Rear 12' 9" x 7' 10" (3.9m x 2.4m) With double glazed window to rear elevation, coving to ceiling, radiator, ceiling light point and a range of built-in wardrobes with vanity area

Bedroom Two to Front 10' 5" x 8' 10" (3.2m x 2.7m) With double glazed window to front elevation, radiator, ceiling light point and useful over-stairs storage cupboard

Bedroom Three to Rear 8' 2" x 6' 6" (2.5m x 2.0m) With double glazed window to rear elevation, radiator and ceiling light point

Family Bathroom 7' 6" x 4' 11" (2.3m x 1.5m) Being fitted with a three piece suite comprising; panelled bath with shower over, low flush WC and pedestal wash hand basin, obscure double glazed window to side, tiling to walls, radiator, ceiling light point, electric wall heater and useful airing cupboard

Low Maintenance Rear Garden Being paved with mature shrub borders and fencing to boundaries

Tenure We are advised by the vendor that the property is freehold, but are awaiting confirmation from the vendor's solicitor. We would strongly advise all interested parties to obtain verification through their own solicitor or legal representative. EPC supplied by Nigel Hodges. Current council tax band - C

** PROPERTY MISDESCRIPTIONS ACT: SMART HOMES have not tested any equipment, fixtures, fittings or services mentioned and do not by these Particulars or otherwise verify or warrant that they are in working order. All measurements listed are given as an approximate guide and must be carefully checked by and verified by any Prospective Purchaser. These particulars form no part of any sale contract. Any Prospective Purchaser should obtain verification of all legal and factual matters and information from their Solicitor, Licensed Conveyancer or Surveyors as appropriate.

Listed by

Shirley

Smart Homes

Reference: 126349289

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 23/08/2022

Current heating cost: £551/year

Potential heating cost: £419/year

Est. upgrade cost to C: £15,500

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

Recommendations

Cavity wall insulation (£500 - £1,500)
Floor insulation (solid floor) (£4,000 - £6,000)
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: 2

Risk: In flood risk area

Environment Agency Flood Risk Areas (APSFR)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

FENSA Certificates

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

FENSA Certificate #98470

Property Details

Street: 297 PRINCE OF WALES LANE

Town: BIRMINGHAM

Postcode: B14 4LN

Installation Details

Items: 2 windows and 1 door

Certificate Issued: 15/10/2002

Work Completed: 19/08/2002

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	16/12/2022 (3 years ago)	£253,000	—

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
Same street 295 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS, B14 4LN	£26,170	06/01/2026	Semi-detached
Same street 293 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS, B14 4LN	£270,000	28/10/2025	Semi-detached
36 HYTALL ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NF	£326,000	07/07/2025	Semi-detached
17 GORLESTON ROAD, BIRMINGHAM, WEST MIDLANDS, B14 4NR	£185,000	26/03/2025	Semi-detached
563 PETERBROOK ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1HS	£239,000	24/11/2023	Semi-detached
23 WESTFIELD AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PN	£200,000	27/10/2023	Semi-detached
14 MORTIMERS CLOSE, BIRMINGHAM, WEST MIDLANDS, B14 4PW	£345,000	16/08/2023	Semi-detached
292 PRINCE OF WALES LANE, BIRMINGHAM, SOLIHULL, WEST MIDLANDS, B14 4LL	£315,000	21/07/2023	Semi-detached
32 HYTALL ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NF	£320,000	19/07/2023	Semi-detached
288 PRINCE OF WALES LANE, BIRMINGHAM, SOLIHULL, WEST MIDLANDS, B14 4LL	£311,000	09/06/2023	Semi-detached
32 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NQ	£270,000	31/01/2023	Semi-detached
32 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NQ	£270,000	31/01/2023	Semi-detached
15 MORTIMERS CLOSE, BIRMINGHAM, WEST MIDLANDS, B14 4PW	£371,000	16/01/2023	Semi-detached
15 GORLESTON ROAD, BIRMINGHAM, WEST MIDLANDS, B14 4NR	£335,000	02/12/2022	Semi-detached
60 HYTALL ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NF	£278,000	31/10/2022	Semi-detached
52 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NH	£235,000	25/10/2022	Semi-detached
1 GORLESTON GROVE, BIRMINGHAM, WEST MIDLANDS, B14 4NS	£260,000	21/10/2022	Semi-detached
12 INSULL AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PR	£265,000	14/10/2022	Semi-detached
27 WESTFIELD AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PN	£285,000	22/07/2022	Semi-detached
Same street 291 PRINCE OF WALES LANE, BIRMINGHAM, WEST MIDLANDS, B14 4LN	£264,000	01/07/2022	Terraced
6 INSULL AVENUE, BIRMINGHAM, WEST MIDLANDS, B14 4PR	£220,000	10/06/2022	Semi-detached
10 GRAFTON ROAD, SHIRLEY, SOLIHULL, WEST MIDLANDS, B90 1NG	£330,000	31/05/2022	Semi-detached
72 GORLESTON ROAD, BIRMINGHAM, WEST MIDLANDS, B14 4NR	£240,000	31/05/2022	Semi-detached

Street average: £186,723 (3 sales)

Area average: £280,000 (20 sales)

Capital growth trend

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

5y growth 14.7%

10y growth 39.5%

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

1y (index) 1.8%

5y (index) 19.6%

10y (index) 60.2%

Rental Range

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

Low £977/mo

Realistic £1,086/mo

Optimistic £1,195/mo

Based on Local Authority from postcode lookup → Birmingham.

LHA (30th percentile) floor for Birmingham: £823/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View B14 4LN

Nearby

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

Type	Name	Distance
Bus stop	High St / Prince Of Wales	0.1 miles
Shop	One Stop	0.3 miles
Shop	Highters Heath News & Food Store	0.4 miles
Train station	Shirley	1.0 miles
Train station	Whitlocks End	1.2 miles
Hospital	Park View Clinic	2.7 miles
Hospital	Hunters Moor Neurorehabilitation Unit	2.7 miles
University	Birmingham City University, Bournville Campus	3.3 miles

Street-level crime

Category	Count
Violence and sexual offences	88
Shoplifting	59
Criminal damage and arson	22
Vehicle crime	21
Public order	13
Other theft	12
Burglary	10
Anti-social behaviour	9
Robbery	8
Drugs	3
Other crime	3
Possession of weapons	3
Bicycle theft	1
Total incidents	252

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
Peterbrook Primary School	Primary	0.4 miles	— (No rating)
Hollywood Primary School	Primary	0.5 miles	Good — 1 Jul 2019
Highters Heath Community School	Primary	0.5 miles	Inadequate — 5 May 2022
Highters Heath Nursery School	Nursery	0.5 miles	Good — 23 Oct 2014
Christ Church, Church of England Secondary Academy	Secondary	0.6 miles	Requires improvement — 24 Jun 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
3 Bed Terraced House, Yardley Wood, B14	£1,200/mo	3	0.4 miles	OpenRent

Average rent: £1,200/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.47%

Max investor price (0.8%) £150,000

Target investor price (1%) £120,000

Gross yield 5.6%

Cost-to-rent ratio 17.7×

Monthly cashflow £51/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.8%

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).