# 4 bedroom detached house for sale (HP7 9LU)

## Property Details

| Key | Value |
|-----|-------|
| Address | FINCH HOUSE, FINCH LANE, AMERSHAM, BUCKINGHAMSHIRE HP7 9LU |
| Price | £1,450,000 |
| Bedrooms | 4 |
| Bathrooms | 3 |
| Last sold | £600,000 Jan 2020 |

## Description

A substantial new house built by the GRE Group to a high specification, situated in a quiet country lane within a mile of Little Chalfont Metropolitan Line station and adjoining beautiful countryside.  

Property ref: 121_220_4695025

## Property Photos

- ![Photo](/listings/photos/57806043/1638109)
- ![Photo](/listings/photos/57806043/1638110)
- ![Photo](/listings/photos/57806043/1638111)
- ![Photo](/listings/photos/57806043/1638112)
- ![Photo](/listings/photos/57806043/1638113)
- ![Photo](/listings/photos/57806043/1638114)
- ![Photo](/listings/photos/57806043/1638115)
- ![Photo](/listings/photos/57806043/1638116)
- ![Photo](/listings/photos/57806043/1638117)
- ![Photo](/listings/photos/57806043/1638118)
- ![Photo](/listings/photos/57806043/1638119)
- ![Photo](/listings/photos/57806043/1638120)

## Floorplans

- ![Floorplan 1](/listings/photos/57806043/1638121) - Floorplan 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| FINCH HOUSE FINCH LANE, AMERSHAM, BUCKINGHAMSHIRE, HP7 9LU | £600,000 | 31/01/2020 | Detached |

## Price vs local average

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

- **Local average:** £950,088 (9 Detached, HP7, 2024–2026)
- **Deviation:** +52.6%

## Rental Range

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

- **Low:** £1,328/mo
- **Realistic:** £1,476/mo
- **Optimistic:** £1,624/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,995/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 Terraced House, Amersham, HP7 | £2,300/mo | 4 | 0.38 miles | OpenRent |
| 4 Bed Semi-Detached House, The Bramblings, HP6 | £2,400/mo | 4 | 0.47 miles | OpenRent |
| 4 Bed Detached House, The Bramblings, HP6 | £3,050/mo | 4 | 0.54 miles | OpenRent |

**Average rent: £2,583/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.17% (weak for cashflow)
- **Max investor price (0.8%):** £300,000
- **Target investor price (1%):** £240,000

*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 £2,400/mo).*

- **Gross yield:** 2%
- **Cost-to-rent:** 50.3×
- **Monthly cashflow:** £-3,575/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -10.2%

*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:** -10.9%
- **10y growth:** 34.2%

## House Price Index (HM Land Registry)

*Official index for Buckinghamshire; Detached series; as of April 2026.*

- **1y growth (index):** 0.4%
- **5y growth (index):** 15%
- **10y growth (index):** 24.2%

## 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)