Sold STC Detached

3 OX HEY CRESCENT

STOKE-ON-TRENT, BIDDULPH, STAFFORDSHIRE ST8 7EY

2 beds 1 baths 807 sq ft Listed 1 Oct 2020 (-2062d)

£195,000

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# 2 bedroom detached bungalow for sale (ST8 7EY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 OX HEY CRESCENT, STOKE-ON-TRENT, BIDDULPH, STAFFORDSHIRE ST8 7EY |
| Price | £195,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1950-1966 |
| Floor area | 75 m² |
| Last sold | £190,000 Dec 2020 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £708/year

### Recommendations
- A (350)
- W1 (1,200)
- E (20)
- N (6,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2408-1071-7292-3735-4930)

## Description

2 Bedrooms.   A Rare Opportunity To Purchase This Detached Bungalow Occupying A Large Established Plot & With No Upward Chain.  Property Briefly Comprises: Entrance Porch & Entrance Hall With Doors To Principal Rooms.  Generous Lounge, Dining Kitchen & Shower Room.  Large Garden With Fantastic  Views Over Towards Congleton Edge.  Detached Garage.  Viewing Highly Recommended.

## Property Photos

- ![Front Elevation](/listings/photos/85350706/520593) - Front Elevation
- ![Lounge ](/listings/photos/85350706/520595) - Lounge 
- ![Rear Elevation ](/listings/photos/85350706/520599) - Rear Elevation 
- ![Bedroom 1](/listings/photos/85350706/520603) - Bedroom 1
- ![Bedroom 2](/listings/photos/85350706/520605) - Bedroom 2
- ![Street View](/listings/photos/85350706/520611) - Street View
- ![Bathroom ](/listings/photos/85350706/520613) - Bathroom 
- ![Rear Garden](/listings/photos/85350706/520618) - Rear Garden
- ![Dining Kitchen ](/listings/photos/85350706/520623) - Dining Kitchen 
- ![Bedroom 2](/listings/photos/85350706/520627) - Bedroom 2
- ![Rear Elevation](/listings/photos/85350706/520630) - Rear Elevation
- ![Bedroom 1](/listings/photos/85350706/520635) - Bedroom 1
- ![Lounge ](/listings/photos/85350706/520640) - Lounge 
- ![Rear Garden ](/listings/photos/85350706/520643) - Rear Garden 
- ![Dining Kitchen ](/listings/photos/85350706/520647) - Dining Kitchen 
- ![Shower Room](/listings/photos/85350706/520651) - Shower Room
- ![Front View](/listings/photos/85350706/520655) - Front View
- ![Rear Elevation](/listings/photos/85350706/520659) - Rear Elevation
- ![Rear Elevation](/listings/photos/85350706/520661) - Rear Elevation

## FENSA Certificates

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

### FENSA Certificate #8502420
- **Address:** 3 Ox Hey Crescent, Biddulph, ST8 7EY
- **Certificate Issued:** 09/11/2011
- **Work Completed:** 25/10/2011
- **Items:** 1 window(s)

### FENSA Certificate #7725779
- **Address:** 3 Ox Hey Crescent, Biddulph, ST8 7EY
- **Certificate Issued:** 25/10/2010
- **Work Completed:** 08/10/2010
- **Items:** 2 window(s)

### FENSA Certificate #4455058
- **Address:** 3 Ox Hey Crescent, Biddulph, ST8 7EY
- **Certificate Issued:** 12/02/2007
- **Work Completed:** 08/12/2006
- **Items:** 1 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 OX HEY CRESCENT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EY | £190,000 | 16/12/2020 | 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 |
|---------|-------|------|------|
| 4 ZURICH AVENUE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FA | £215,000 | 07/01/2026 | Detached |
| 11 MEDWAY DRIVE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HA | £191,000 | 19/12/2025 | Detached |
| 120 CONGLETON ROAD, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 6QL | £467,000 | 19/12/2025 | Detached |
| 58 PENNINE WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HF | £225,000 | 18/12/2025 | Detached |
| 48 PENNINE WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HF | £190,000 | 11/12/2025 | Detached |
| 4 BOLLIN GROVE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EZ | £260,000 | 26/11/2025 | Detached |
| 24 CLYDE AVENUE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HD | £220,000 | 14/11/2025 | Detached |
| 87 PENNINE WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HF | £215,000 | 17/03/2025 | Detached |
| 6 TAY CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HW | £235,000 | 01/12/2023 | Detached |
| 36 OX HEY DRIVE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EX | £235,000 | 16/11/2023 | Detached |
| 3 MATTERHORN CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FJ | £315,000 | 29/09/2023 | Detached |
| 4 ZURICH AVENUE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FA | £200,000 | 29/09/2023 | Detached |
| [Same street] 1 OX HEY CRESCENT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EY | £240,000 | 15/09/2023 | Detached |
| 6 DEE CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HB | £203,000 | 25/08/2023 | Detached |
| [Same street] 2 OX HEY CRESCENT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EY | £170,000 | 28/02/2023 | Detached |
| [Same street] 4 OX HEY CRESCENT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EY | £215,000 | 16/12/2022 | Detached |
| 18 DART CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HG | £272,500 | 05/12/2022 | Detached |
| 2 DART CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HG | £220,000 | 28/10/2022 | Detached |
| 88 GENEVA WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FE | £353,000 | 14/10/2022 | Detached |
| 2 WOODHOUSE LANE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7DP | £430,000 | 16/09/2022 | Detached |
| 135 CONGLETON ROAD, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 6QJ | £480,000 | 31/08/2022 | Detached |
| 42 GENEVA WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FE | £320,000 | 12/08/2022 | Detached |
| 4 GRANGE COURT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 6RX | £337,000 | 01/07/2022 | Detached |

**Street average:** £208,333 (3 sales)
**Area average:** £279,175 (20 sales)

## Price vs local average

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

- **Local average:** £291,718 (41 Detached, ST8, 2024–2026)
- **Deviation:** -33.2%

## Rental Range

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

- **Low:** £645/mo
- **Realistic:** £717/mo
- **Optimistic:** £789/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £723/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 |
|------|------|------|------|------|
| [Albert Street, Biddulph](http://87.117.209.195:8080/listings/a5f80a5) | £820/mo | 2 | 0.47 miles | Rightmove |
| [Lovit View, High Street, ST8](http://87.117.209.195:8080/listings/51d77b0) | £800/mo | 2 | 0.49 miles | Rightmove |
| [Well Street, ST8](http://87.117.209.195:8080/listings/ba8d315) | £775/mo | 2 | 0.63 miles | Rightmove |

**Average rent: £798/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.41% (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:** 4.9%
- **Cost-to-rent:** 20.3×
- **Monthly cashflow:** £-73/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.5%

*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:** £2,600/m²

## Capital growth trend

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

- **5y growth:** 28.8%
- **10y growth:** 65%

## House Price Index (HM Land Registry)

*Official index for Staffordshire Moorlands; Detached series; as of February 2026.*

- **1y growth (index):** 1.3%
- **5y growth (index):** 15%
- **10y growth (index):** 50.4%

## 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)

Front Elevation Lounge Rear Elevation Bedroom 1 Bedroom 2 Street View Bathroom Rear Garden Dining Kitchen Bedroom 2 Rear Elevation Bedroom 1 Lounge Rear Garden Dining Kitchen Shower Room Front View Rear Elevation Rear Elevation

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Property details

Tenure

FREEHOLD

Floor area

75 m²

EPC rating

Year built

England and Wales: 1950-1966

Last sold

£190,000 Dec 2020

Price per m²

£2,600/m²

Local average

£291,718 (-33.2%)

Deprivation

Decile 10 (31,958 of 33,755)

Street crime

98 incidents within 1 mile (Mar 2026)

Additional details

Parking: Yes
Garden: Yes

Description

2 Bedrooms. A Rare Opportunity To Purchase This Detached Bungalow Occupying A Large Established Plot & With No Upward Chain. Property Briefly Comprises: Entrance Porch & Entrance Hall With Doors To Principal Rooms. Generous Lounge, Dining Kitchen & Shower Room. Large Garden With Fantastic Views Over Towards Congleton Edge. Detached Garage. Viewing Highly Recommended.

Listed by

Biddulph

Priory Property Services

Reference: 85350706

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 20/02/2015

Current heating cost: £708/year

Potential heating cost: £586/year

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

Recommendations

Increase loft insulation to 270 mm (350)
Floor insulation (suspended floor) (1,200)
Low energy lighting for all fixed outlets (20)
Solar water heating (6,000)
Solar photovoltaic panels, 2.5 kWp (8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

FENSA Certificates

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

FENSA Certificate #8502420

Property Details

Street: 3 Ox Hey Crescent

Town: Biddulph

Postcode: ST8 7EY

Installation Details

Items: 1 window

Certificate Issued: 09/11/2011

Work Completed: 25/10/2011

This certificate data was retrieved from FENSA's database

FENSA Certificate #7725779

Property Details

Street: 3 Ox Hey Crescent

Town: Biddulph

Postcode: ST8 7EY

Installation Details

Items: 2 windows

Certificate Issued: 25/10/2010

Work Completed: 08/10/2010

This certificate data was retrieved from FENSA's database

FENSA Certificate #4455058

Property Details

Street: 3 Ox Hey Crescent

Town: Biddulph

Postcode: ST8 7EY

Installation Details

Items: 1 window

Certificate Issued: 12/02/2007

Work Completed: 08/12/2006

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	16/12/2020 (5 years ago)	£190,000	—

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
4 ZURICH AVENUE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FA	£215,000	07/01/2026	Detached
11 MEDWAY DRIVE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HA	£191,000	19/12/2025	Detached
120 CONGLETON ROAD, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 6QL	£467,000	19/12/2025	Detached
58 PENNINE WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HF	£225,000	18/12/2025	Detached
48 PENNINE WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HF	£190,000	11/12/2025	Detached
4 BOLLIN GROVE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EZ	£260,000	26/11/2025	Detached
24 CLYDE AVENUE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HD	£220,000	14/11/2025	Detached
87 PENNINE WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HF	£215,000	17/03/2025	Detached
6 TAY CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HW	£235,000	01/12/2023	Detached
36 OX HEY DRIVE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EX	£235,000	16/11/2023	Detached
3 MATTERHORN CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FJ	£315,000	29/09/2023	Detached
4 ZURICH AVENUE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FA	£200,000	29/09/2023	Detached
Same street 1 OX HEY CRESCENT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EY	£240,000	15/09/2023	Detached
6 DEE CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HB	£203,000	25/08/2023	Detached
Same street 2 OX HEY CRESCENT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EY	£170,000	28/02/2023	Detached
Same street 4 OX HEY CRESCENT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7EY	£215,000	16/12/2022	Detached
18 DART CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HG	£272,500	05/12/2022	Detached
2 DART CLOSE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7HG	£220,000	28/10/2022	Detached
88 GENEVA WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FE	£353,000	14/10/2022	Detached
2 WOODHOUSE LANE, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7DP	£430,000	16/09/2022	Detached
135 CONGLETON ROAD, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 6QJ	£480,000	31/08/2022	Detached
42 GENEVA WAY, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 7FE	£320,000	12/08/2022	Detached
4 GRANGE COURT, BIDDULPH, STOKE-ON-TRENT, STAFFORDSHIRE MOORLANDS, STAFFORDSHIRE, ST8 6RX	£337,000	01/07/2022	Detached

Street average: £208,333 (3 sales)

Area average: £279,175 (20 sales)

Capital growth trend

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

5y growth 28.8%

10y growth 65%

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

1y (index) 1.3%

5y (index) 15%

10y (index) 50.4%

Rental Range

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

Low £645/mo

Realistic £717/mo

Optimistic £789/mo

Based on Local Authority from postcode lookup → Staffordshire Moorlands.

LHA (30th percentile) floor for East Cheshire: £723/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ST8 7EY

Nearby

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

Type	Name	Distance
Bus stop	Oxhay Crescent	0.1 miles
Shop	Flavours Premier Store	0.1 miles
Bus stop	Biddulph Arms PH	0.1 miles
Shop	Brick Shed Barbers	0.3 miles
Train station	Congleton	2.6 miles
Hospital	John Munroe Hospital	3.5 miles
Train station	Hunthouse Wood	3.6 miles
Hospital	Haywood Hospital Walk-in Centre	4.7 miles
University	Buxton & Leek College	6.1 miles
University	Tovell Building, Buxton & Leek College	6.1 miles

Street-level crime

Category	Count
Violence and sexual offences	39
Anti-social behaviour	26
Criminal damage and arson	8
Vehicle crime	7
Public order	5
Other theft	4
Other crime	3
Burglary	2
Drugs	2
Possession of weapons	1
Robbery	1
Total incidents	98

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
Woodhouse Academy	Primary	0.3 miles	Good — 30 Mar 2023
Oxhey First School	Primary	0.4 miles	Outstanding — 24 Oct 2023
Kingsfield First School	Primary	0.6 miles	Good — 11 Apr 2016
Squirrel Hayes First School	Primary	0.8 miles	Good — 24 Oct 2018
Our Lady of Grace Catholic Academy	Primary	0.9 miles	Outstanding — 26 Jun 2015

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
Albert Street, Biddulph	£820/mo	2	0.47 miles	Rightmove
Lovit View, High Street, ST8	£800/mo	2	0.49 miles	Rightmove
Well Street, ST8	£775/mo	2	0.63 miles	Rightmove

Average rent: £798/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.41%

Max investor price (0.8%) £100,000

Target investor price (1%) £80,000

Gross yield 4.9%

Cost-to-rent ratio 20.3×

Monthly cashflow £-73/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.5%

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).