Sold STC Flat

32 WOODYARD AVENUE

CHESTERFIELD, DERBYSHIRE S41 7WF

2 beds 2 baths 66 m² Listed 19 Sep 2025 (-276d)

£160,000

Guide Price

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# 2 bedroom flat for sale (S41 7WF)

## Property Details

| Key | Value |
|-----|-------|
| Address | 32 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE S41 7WF |
| Price | £160,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | A |
| Last sold | £160,000 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** B
- **Expiry date:** 27/09/2033
- **Current heating cost:** £404/year

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2385-3030-3301-2017-6200)

## Description

Guide Price £160,000 to £165,000

Perfectly positioned close to Chesterfield Town Centre, the train station, and key transport links to Sheffield City Centre, this modern two-bedroom top floor apartment offers stylish, low-maintenance living ideal for solo buyers, couples, and professionals who commute.A spacious L-shaped hallway welcomes you into the apartment, setting the tone for the well-planned layout. To the left, the open-plan living, kitchen, and dining area is bright and sociable, featuring dual aspect windows and a Juliet balcony that brings in natural light and fresh air. The kitchen is fitted with integrated appliances and sleek storage cupboards, making it both functional and contemporary.To the right of the hallway are two double bedrooms. The principal bedroom benefits from its own ensuite shower room, while the second bedroom includes fitted wardrobes and offers flexibility as a guest room, nursery, or home office. A modern three-piece bathroom serves the apartment, complete with bath, WC, and wash basin. A separate storage room adds further practicality.Externally, the property includes off-road parking, providing convenience and peace of mind.This is a smart, well-connected home that combines comfort, style, and location—ready to welcome its next owner with ease.

## Property Photos

- ![External](/listings/photos/167184992/670433) - External
- ![Lounge-Diner.](/listings/photos/167184992/670434) - Lounge-Diner.
- ![Living-Room](/listings/photos/167184992/670435) - Living-Room
- ![Kitchen](/listings/photos/167184992/670437) - Kitchen
- ![Ensuite.](/listings/photos/167184992/670439) - Ensuite.
- ![Bed1.](/listings/photos/167184992/670440) - Bed1.
- ![Bed2](/listings/photos/167184992/670442) - Bed2
- ![Bathroom.](/listings/photos/167184992/670443) - Bathroom.
- ![Hallway.](/listings/photos/167184992/670444) - Hallway.
- ![External](/listings/photos/167184992/670448) - External
- ![View](/listings/photos/167184992/670452) - View
- ![Kitchen](/listings/photos/167184992/670455) - Kitchen
- ![Kitchen](/listings/photos/167184992/670456) - Kitchen
- ![Bed1.](/listings/photos/167184992/670459) - Bed1.
- ![Dining-Area.](/listings/photos/167184992/670462) - Dining-Area.
- ![Living-Room](/listings/photos/167184992/670470) - Living-Room
- ![Living-Room.](/listings/photos/167184992/670480) - Living-Room.
- ![Living-Room](/listings/photos/167184992/670489) - Living-Room
- ![Bed1.](/listings/photos/167184992/670493) - Bed1.
- ![Bed2](/listings/photos/167184992/670494) - Bed2
- ![External](/listings/photos/167184992/670495) - External
- ![Hallway.](/listings/photos/167184992/670504) - Hallway.

## Floorplans

- ![Floorplan](/listings/photos/167184992/670505) - Floorplan

## EPC Graphs

- ![Energy Performance Certificate](/listings/photos/167184992/670506) - Energy Performance Certificate

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 32 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £160,000 | 23/01/2026 | 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 |
|---------|-------|------|------|
| [Same street] 78 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £108,000 | 23/05/2025 | Semi-detached |
| 7 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £148,495 | 15/12/2023 | Flat |
| [Same street] 44 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £272,995 | 31/08/2023 | Detached |
| [Same street] 12 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £182,995 | 30/06/2023 | Semi-detached |
| 18 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £158,495 | 24/03/2023 | Flat |
| 15 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £156,995 | 17/03/2023 | Flat |
| 11 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £142,995 | 24/02/2023 | Flat |
| 9 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £139,995 | 17/02/2023 | Flat |
| 4 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £119,995 | 22/12/2022 | Flat |
| 5 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £124,995 | 01/12/2022 | Flat |
| 2 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £119,995 | 01/12/2022 | Flat |
| 1 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £119,995 | 01/12/2022 | Flat |
| 3 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA | £124,995 | 01/12/2022 | Flat |
| [Same street] 54 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £329,995 | 30/11/2022 | Detached |
| [Same street] 56 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £329,995 | 30/11/2022 | Detached |
| [Same street] 38 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £342,995 | 27/10/2022 | Detached |
| THORNFIELD HOUSE APARTMENTS 2 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF | £137,500 | 27/09/2022 | Flat |
| 3 CANAL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7NL | £139,750 | 20/09/2022 | Flat |
| THORNFIELD HOUSE APARTMENTS 1 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF | £107,500 | 16/09/2022 | Flat |
| THORNFIELD HOUSE APARTMENTS 3 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF | £120,000 | 16/09/2022 | Flat |
| THORNFIELD HOUSE APARTMENTS 4 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF | £142,500 | 16/09/2022 | Flat |
| [Same street] 68 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £289,995 | 30/06/2022 | Detached |
| [Same street] 66 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £269,995 | 24/06/2022 | Semi-detached |
| [Same street] 64 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £269,995 | 31/05/2022 | Semi-detached |
| [Same street] 62 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £269,995 | 27/05/2022 | Semi-detached |
| [Same street] 58 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £259,995 | 27/05/2022 | Detached |
| 5 CANAL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7NL | £140,000 | 27/05/2022 | Flat |
| [Same street] 76 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £90,018 | 22/04/2022 | Terraced |
| [Same street] 78 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £75,733 | 14/04/2022 | Terraced |
| 6 SAWMILL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7WD | £149,995 | 25/02/2022 | Flat |
| 11 SAWMILL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7WD | £149,995 | 21/02/2022 | Flat |
| [Same street] 70 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £264,995 | 26/11/2021 | Semi-detached |
| [Same street] 72 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £264,995 | 29/10/2021 | Semi-detached |
| 28 SAWMILL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7WD | £144,995 | 30/09/2021 | Flat |
| 80 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF | £144,995 | 27/08/2021 | Flat |

**Street average:** £241,513 (15 sales)
**Area average:** £136,709 (20 sales)

## Price vs local average

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

- **Local average:** £146,875 (8 Flat, S41, 2024–2026)
- **Deviation:** +8.9%

## Rental Range

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

- **Low:** £661/mo
- **Realistic:** £734/mo
- **Optimistic:** £807/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £524/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 Flat, Heathcote House, S41 | £895/mo | 2 | 0.37 miles | OpenRent |
| 2 Bed Semi-Detached House, Higher Albert St, S41 | £700/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Semi-Detached House, Spital Lane, S41 | £765/mo | 2 | 0.93 miles | OpenRent |

**Average rent: £787/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.48% (weak for cashflow)
- **Max investor price (0.8%):** £95,625
- **Target investor price (1%):** £76,500

*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 £765/mo).*

- **Gross yield:** 5.7%
- **Cost-to-rent:** 17.4×
- **Monthly cashflow:** £33/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.9%

*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).*

## Price per Square Metre

- **£/m²:** £2,424/m²

## Capital growth trend

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

- **5y growth:** 113.3%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -1.9%
- **5y growth (index):** 5.6%
- **10y growth (index):** 27%

## 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)

External Lounge-Diner. Living-Room Kitchen Ensuite. Bed1. Bed2 Bathroom. Hallway. External View Kitchen Kitchen Bed1. Dining-Area. Living-Room Living-Room. Living-Room Bed1. Bed2 External Hallway.

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Property details

Tenure

LEASEHOLD

Floor area

66 m²

Council tax band

EPC rating

Last sold

£160,000 Jan 2026

Price per m²

£2,424/m²

Local average

£146,875 (+8.9%)

Deprivation

Decile 3 (7,738 of 33,755)

Street crime

399 incidents within 1 mile (Apr 2026)

Key features

Two Bedroom Apartment
Top Floor
Principal Bedroom w/ En-Suite
Second Bedroom w/ Fitted Wardrobes
Open Plan Kitchen-Diner & Living
Storage Room & Off Road Parking
Kitchen w/ Fitted Appliances
Juliet Balcony in Living Area
Lease Duration - 997 years / Service Charge £1125 per annum
EPC Rating: B / Council Tax Band A

Additional details

Parking: Yes

Description

Guide Price £160,000 to £165,000

Perfectly positioned close to Chesterfield Town Centre, the train station, and key transport links to Sheffield City Centre, this modern two-bedroom top floor apartment offers stylish, low-maintenance living ideal for solo buyers, couples, and professionals who commute.A spacious L-shaped hallway welcomes you into the apartment, setting the tone for the well-planned layout. To the left, the open-plan living, kitchen, and dining area is bright and sociable, featuring dual aspect windows and a Juliet balcony that brings in natural light and fresh air. The kitchen is fitted with integrated appliances and sleek storage cupboards, making it both functional and contemporary.To the right of the hallway are two double bedrooms. The principal bedroom benefits from its own ensuite shower room, while the second bedroom includes fitted wardrobes and offers flexibility as a guest room, nursery, or home office. A modern three-piece bathroom serves the apartment, complete with bath, WC, and wash basin. A separate storage room adds further practicality.Externally, the property includes off-road parking, providing convenience and peace of mind.This is a smart, well-connected home that combines comfort, style, and location—ready to welcome its next owner with ease.

Listed by

Chesterfield

HAUS CHESTERFIELD LTD

Reference: 167184992

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: B

Inspection date: 28/09/2023

Expiry date: 27/09/2033

Current heating cost: £404/year

Potential heating cost: £404/year

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

Energy Performance Certificate

Price history

Event	Date	Price	% change
Sold	23/01/2026 (4 months ago)	£160,000	—

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 78 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£108,000	23/05/2025	Semi-detached
7 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£148,495	15/12/2023	Flat
Same street 44 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£272,995	31/08/2023	Detached
Same street 12 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£182,995	30/06/2023	Semi-detached
18 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£158,495	24/03/2023	Flat
15 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£156,995	17/03/2023	Flat
11 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£142,995	24/02/2023	Flat
9 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£139,995	17/02/2023	Flat
4 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£119,995	22/12/2022	Flat
5 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£124,995	01/12/2022	Flat
2 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£119,995	01/12/2022	Flat
1 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£119,995	01/12/2022	Flat
3 LAVER DRIVE, CHESTERFIELD, DERBYSHIRE, S41 7WA	£124,995	01/12/2022	Flat
Same street 54 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£329,995	30/11/2022	Detached
Same street 56 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£329,995	30/11/2022	Detached
Same street 38 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£342,995	27/10/2022	Detached
THORNFIELD HOUSE APARTMENTS 2 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF	£137,500	27/09/2022	Flat
3 CANAL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7NL	£139,750	20/09/2022	Flat
THORNFIELD HOUSE APARTMENTS 1 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF	£107,500	16/09/2022	Flat
THORNFIELD HOUSE APARTMENTS 3 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF	£120,000	16/09/2022	Flat
THORNFIELD HOUSE APARTMENTS 4 GRATTON PLACE, CHESTERFIELD, DERBYSHIRE, S41 7FF	£142,500	16/09/2022	Flat
Same street 68 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£289,995	30/06/2022	Detached
Same street 66 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£269,995	24/06/2022	Semi-detached
Same street 64 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£269,995	31/05/2022	Semi-detached
Same street 62 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£269,995	27/05/2022	Semi-detached
Same street 58 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£259,995	27/05/2022	Detached
5 CANAL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7NL	£140,000	27/05/2022	Flat
Same street 76 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£90,018	22/04/2022	Terraced
Same street 78 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£75,733	14/04/2022	Terraced
6 SAWMILL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7WD	£149,995	25/02/2022	Flat
11 SAWMILL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7WD	£149,995	21/02/2022	Flat
Same street 70 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£264,995	26/11/2021	Semi-detached
Same street 72 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£264,995	29/10/2021	Semi-detached
28 SAWMILL MEWS, CHESTERFIELD, DERBYSHIRE, S41 7WD	£144,995	30/09/2021	Flat
80 WOODYARD AVENUE, CHESTERFIELD, DERBYSHIRE, S41 7WF	£144,995	27/08/2021	Flat

Street average: £241,513 (15 sales)

Area average: £136,709 (20 sales)

Capital growth trend

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

5y growth 113.3%

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

1y (index) -1.9%

5y (index) 5.6%

10y (index) 27%

Rental Range

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

Low £661/mo

Realistic £734/mo

Optimistic £807/mo

Based on Local Authority from postcode lookup → Chesterfield.

LHA (30th percentile) floor for Chesterfield: £524/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View S41 7WF

Nearby

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

Type	Name	Distance
Bus stop	Tapton Junction	0.1 miles
Shop	CMS Commercials	0.3 miles
Shop	Carpet Tile Centre	0.3 miles
Train station	Chesterfield	0.4 miles
Hospital	Chesterfield Royal Hospital	1.1 miles
Train station	Roundhouse Halt	2.6 miles
Hospital	Clay Cross Hospital	5.4 miles
University	The University of Sheffield AMRC	10.0 miles

Street-level crime

Category	Count
Violence and sexual offences	130
Anti-social behaviour	64
Public order	60
Shoplifting	53
Criminal damage and arson	26
Other theft	20
Vehicle crime	12
Drugs	10
Bicycle theft	5
Other crime	5
Robbery	4
Theft from the person	4
Burglary	3
Possession of weapons	3
Total incidents	399

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
Chesterfield College	Other	0.4 miles	— (No rating)
Abercrombie Primary School	Primary	0.4 miles	Good — 3 Jul 2019
Christ Church CofE Primary School	Primary	0.5 miles	Good — 19 Jul 2013
St Mary's Catholic Primary	Primary	0.7 miles	Good — 8 Jan 2019
St Peter and St Paul School	Other	0.8 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 Flat, Heathcote House, S41	£895/mo	2	0.37 miles	OpenRent
2 Bed Semi-Detached House, Higher Albert St, S41	£700/mo	2	0.4 miles	OpenRent
2 Bed Semi-Detached House, Spital Lane, S41	£765/mo	2	0.93 miles	OpenRent

Average rent: £787/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.48%

Max investor price (0.8%) £95,625

Target investor price (1%) £76,500

Gross yield 5.7%

Cost-to-rent ratio 17.4×

Monthly cashflow £33/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.9%

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).