Sold STC Flat

124 NEWLAND GARDENS

HERTFORD, HERTFORDSHIRE SG13 7WY

2 beds 2 baths 66 m² Listed 15 May 2025 (-444d)

£335,000

Reduced on 26 Jun 2025

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# 2 bedroom apartment for sale (SG13 7WY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 124 NEWLAND GARDENS, HERTFORD, HERTFORDSHIRE SG13 7WY |
| Price | £335,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Last sold | £325,000 Jan 2026 |

## Description

**Chain Free** Westwood Leber are delighted to bring to the market this spacious and modern two double bedroom apartment, ideally situated on the second floor of a highly sought-after development within walking distance of Hertford Town Centre. Recently refurbished throughout by the current owners, this beautifully presented apartment has undergone a full transformation, offering stylish and contemporary living in an immaculately maintained setting.

The property features: A stylish, fully fitted kitchen with integrated appliances, bright and airy living room with doors leading to a private balcony, two generous double bedrooms, including a master with en-suite and a modern ‘Jack and Jill’ main bathroom. Newland Gardens is an immaculately kept development and provides lift access to all floors, secure underground allocated parking, long lease with over 900 years remaining and exclusive access to a residents-only on-site gym.

The location benefits from excellent access to the town’s wide range of shops, restaurants, and convenient transport links into London—making it ideal for both commuters and local buyers alike.

Offered chain free, this is a fantastic opportunity to secure a modern apartment in a prime Hertford location. Early viewing is highly recommended.

## Property Photos

- ![NewlandGardens_21.jpg](/listings/photos/162002768/1598421) - NewlandGardens_21.jpg
- ![NewlandGardens_1.jpg](/listings/photos/162002768/1598422) - NewlandGardens_1.jpg
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- ![NewlandGardens_9.jpg](/listings/photos/162002768/1598430) - NewlandGardens_9.jpg
- ![NewlandGardens_10.jpg](/listings/photos/162002768/1598431) - NewlandGardens_10.jpg
- ![NewlandGardens_12.jpg](/listings/photos/162002768/1598432) - NewlandGardens_12.jpg
- ![NewlandGardens_11.jpg](/listings/photos/162002768/1598433) - NewlandGardens_11.jpg
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- ![NewlandGardens_15.jpg](/listings/photos/162002768/1598436) - NewlandGardens_15.jpg
- ![NewlandGardens_16.jpg](/listings/photos/162002768/1598437) - NewlandGardens_16.jpg
- ![NewlandGardens_24.jpg](/listings/photos/162002768/1598438) - NewlandGardens_24.jpg
- ![NewlandGardens_20.jpg](/listings/photos/162002768/1598439) - NewlandGardens_20.jpg
- ![NewlandGardens_27.jpg](/listings/photos/162002768/1598440) - NewlandGardens_27.jpg
- ![NewlandGardens_33.jpg](/listings/photos/162002768/1598441) - NewlandGardens_33.jpg
- ![NewlandGardens_30.jpg](/listings/photos/162002768/1598442) - NewlandGardens_30.jpg
- ![NewlandGardens_23.jpg](/listings/photos/162002768/1598443) - NewlandGardens_23.jpg
- ![NewlandGardens_28.jpg](/listings/photos/162002768/1598444) - NewlandGardens_28.jpg
- ![NewlandGardens_29.jpg](/listings/photos/162002768/1598446) - NewlandGardens_29.jpg
- ![NewlandGardens_39.jpg](/listings/photos/162002768/1598447) - NewlandGardens_39.jpg
- ![NewlandGardens_40.jpg](/listings/photos/162002768/1598448) - NewlandGardens_40.jpg
- ![newlands gym.jpg](/listings/photos/162002768/1598449) - newlands gym.jpg

## Floorplans

- ![Newland Gardens.JPG](/listings/photos/162002768/1598451) - Newland Gardens.JPG

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 124 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £325,000 | 30/01/2026 | 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 |
|---------|-------|------|------|
| 9A WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7DY | £90,000 | 22/12/2025 | Flat |
| 80 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX | £308,500 | 24/11/2025 | Flat |
| [Same street] 144 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £285,000 | 24/10/2025 | Other |
| 202 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WZ | £108,000 | 18/12/2023 | Flat |
| 4 DEER CLOSE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NR | £265,000 | 31/10/2023 | Flat |
| 55 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX | £312,000 | 08/09/2023 | Flat |
| 12 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WN | £335,000 | 08/08/2023 | Flat |
| THE HEATHERS 5 LONDON ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7LG | £186,000 | 31/03/2023 | Flat |
| HAMPTON HOUSE, 34 FLAT 8 WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7HP | £205,000 | 24/02/2023 | Flat |
| 2 DEER CLOSE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NR | £279,995 | 29/11/2022 | Flat |
| [Same street] 130 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £325,000 | 25/11/2022 | Flat |
| 19 DEER CLOSE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NR | £170,000 | 23/11/2022 | Flat |
| [Same street] 125 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £375,000 | 11/11/2022 | Flat |
| 57 FALLOW RISE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NL | £268,000 | 27/10/2022 | Flat |
| 74 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX | £355,000 | 12/10/2022 | Flat |
| 56 FALLOW RISE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NL | £268,000 | 13/09/2022 | Flat |
| [Same street] 121 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £365,000 | 07/09/2022 | Flat |
| 73 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX | £342,500 | 12/08/2022 | Flat |
| [Same street] 145 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £302,500 | 13/07/2022 | Flat |
| 2 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WN | £298,000 | 17/06/2022 | Flat |
| MEDIA HOUSE, 40 FLAT 6 WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7AB | £350,000 | 15/06/2022 | Flat |
| 179 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WZ | £282,000 | 10/05/2022 | Flat |
| [Same street] 127 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £715,000 | 27/04/2022 | Flat |
| 67 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX | £325,000 | 14/04/2022 | Flat |
| HAMPTON HOUSE, 34 FLAT 4 WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7HP | £245,000 | 11/03/2022 | Flat |
| [Same street] 129 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £735,000 | 04/03/2022 | Flat |
| [Same street] 121 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £320,000 | 23/02/2022 | Flat |
| 10 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WN | £302,000 | 21/02/2022 | Flat |
| [Same street] 147 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY | £315,000 | 20/12/2021 | Flat |

**Street average:** £415,278 (9 sales)
**Area average:** £264,750 (20 sales)

## Price vs local average

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

- **Local average:** £277,646 (24 Flat, SG13, 2024–2026)
- **Deviation:** +20.7%

## Rental Range

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

- **Low:** £1,355/mo
- **Realistic:** £1,505/mo
- **Optimistic:** £1,656/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Stevenage & North Herts (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £972/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, Fallow Rise, SG13 | £1,250/mo | 2 | 0.12 miles | OpenRent |
| 2 Bed Flat, Ware Road, SG13 | £1,395/mo | 2 | 0.14 miles | OpenRent |
| 2 Bed Flat, Gilbertson Road, SG13 | £1,900/mo | 2 | 0.34 miles | OpenRent |

**Average rent: £1,515/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.42% (weak for cashflow)
- **Max investor price (0.8%):** £174,375
- **Target investor price (1%):** £139,500

*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 £1,395/mo).*

- **Gross yield:** 5%
- **Cost-to-rent:** 20×
- **Monthly cashflow:** £-89/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.1%

*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:** -8.9%
- **10y growth:** -14.7%

## House Price Index (HM Land Registry)

*Official index for East Hertfordshire; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** 1.5%
- **5y growth (index):** 2.3%
- **10y growth (index):** 12%

## 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)

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Property details

Tenure

LEASEHOLD

Floor area

66 m²

Last sold

£325,000 Jan 2026

Local average

£277,646 (+20.7%)

Deprivation

Decile 10 (30,956 of 33,755)

Street crime

183 incidents within 1 mile (May 2026)

Key features

Spacious and stylish two double bedroom apartment, recently refurbished throughout for modern, contemporary living.
Located on the second floor of a sought-after development within walking distance of Hertford Town Centre.
Immaculately maintained development with lift access, secure underground allocated parking, and on-site residents-only gym.
Long lease with over 900 years remaining and offered chain free—ideal for a hassle-free move.
Excellent access to local amenities, restaurants, and London transport links, perfect for commuters and local buyers.

Additional details

Parking: Yes
Garden: Yes

Description

Chain Free Westwood Leber are delighted to bring to the market this spacious and modern two double bedroom apartment, ideally situated on the second floor of a highly sought-after development within walking distance of Hertford Town Centre. Recently refurbished throughout by the current owners, this beautifully presented apartment has undergone a full transformation, offering stylish and contemporary living in an immaculately maintained setting.

The property features: A stylish, fully fitted kitchen with integrated appliances, bright and airy living room with doors leading to a private balcony, two generous double bedrooms, including a master with en-suite and a modern ‘Jack and Jill’ main bathroom. Newland Gardens is an immaculately kept development and provides lift access to all floors, secure underground allocated parking, long lease with over 900 years remaining and exclusive access to a residents-only on-site gym.

The location benefits from excellent access to the town’s wide range of shops, restaurants, and convenient transport links into London—making it ideal for both commuters and local buyers alike.

Offered chain free, this is a fantastic opportunity to secure a modern apartment in a prime Hertford location. Early viewing is highly recommended.

Listed by

Hertfordshire

Westwood Leber Limited

Reference: 162002768

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Newland Gardens.JPG

Price history

Event	Date	Price	% change
Sold	30/01/2026 (6 months ago)	£325,000	—

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
9A WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7DY	£90,000	22/12/2025	Flat
80 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX	£308,500	24/11/2025	Flat
Same street 144 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£285,000	24/10/2025	Other
202 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WZ	£108,000	18/12/2023	Flat
4 DEER CLOSE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NR	£265,000	31/10/2023	Flat
55 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX	£312,000	08/09/2023	Flat
12 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WN	£335,000	08/08/2023	Flat
THE HEATHERS 5 LONDON ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7LG	£186,000	31/03/2023	Flat
HAMPTON HOUSE, 34 FLAT 8 WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7HP	£205,000	24/02/2023	Flat
2 DEER CLOSE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NR	£279,995	29/11/2022	Flat
Same street 130 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£325,000	25/11/2022	Flat
19 DEER CLOSE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NR	£170,000	23/11/2022	Flat
Same street 125 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£375,000	11/11/2022	Flat
57 FALLOW RISE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NL	£268,000	27/10/2022	Flat
74 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX	£355,000	12/10/2022	Flat
56 FALLOW RISE, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7NL	£268,000	13/09/2022	Flat
Same street 121 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£365,000	07/09/2022	Flat
73 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX	£342,500	12/08/2022	Flat
Same street 145 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£302,500	13/07/2022	Flat
2 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WN	£298,000	17/06/2022	Flat
MEDIA HOUSE, 40 FLAT 6 WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7AB	£350,000	15/06/2022	Flat
179 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WZ	£282,000	10/05/2022	Flat
Same street 127 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£715,000	27/04/2022	Flat
67 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WX	£325,000	14/04/2022	Flat
HAMPTON HOUSE, 34 FLAT 4 WARE ROAD, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7HP	£245,000	11/03/2022	Flat
Same street 129 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£735,000	04/03/2022	Flat
Same street 121 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£320,000	23/02/2022	Flat
10 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WN	£302,000	21/02/2022	Flat
Same street 147 NEWLAND GARDENS, HERTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, SG13 7WY	£315,000	20/12/2021	Flat

Street average: £415,278 (9 sales)

Area average: £264,750 (20 sales)

Capital growth trend

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

5y growth -8.9%

10y growth -14.7%

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

1y (index) 1.5%

5y (index) 2.3%

10y (index) 12%

Rental Range

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

Low £1,355/mo

Realistic £1,505/mo

Optimistic £1,656/mo

Based on Local Authority from postcode lookup → East Hertfordshire.

LHA (30th percentile) floor for Stevenage & North Herts: £972/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SG13 7WY

Nearby

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

Type	Name	Distance
Bus stop	Caxton Hill	0.1 miles
Shop	Simmons Bakers	0.2 miles
Bus stop	Raynham Street	0.2 miles
Train station	Hertford East	0.3 miles
Shop	Inkheaven Tattoos	0.3 miles
Train station	Hertford North	1.1 miles
University	University of Hertfordshire	5.2 miles
Hospital	Cheshunt Community Hospital	6.9 miles
University	Unknown	7.9 miles
Hospital	Jacob's Neuro Centre	8.8 miles

Street-level crime

Category	Count
Violence and sexual offences	61
Anti-social behaviour	40
Shoplifting	31
Criminal damage and arson	15
Public order	7
Other theft	6
Burglary	5
Drugs	5
Vehicle crime	5
Bicycle theft	2
Possession of weapons	2
Theft from the person	2
Other crime	1
Robbery	1
Total incidents	183

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
Simon Balle All-Through School	Other	0.3 miles	Outstanding — 20 Jun 2018
Abel Smith School	Primary	0.3 miles	Outstanding — 12 Sep 2024
Richard Hale School	Secondary	0.5 miles	Good — 19 Sep 2024
Wheatcroft Primary School	Primary	0.6 miles	Good — 17 Dec 2023
Duncombe 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
2 Bed Flat, Fallow Rise, SG13	£1,250/mo	2	0.12 miles	OpenRent
2 Bed Flat, Ware Road, SG13	£1,395/mo	2	0.14 miles	OpenRent
2 Bed Flat, Gilbertson Road, SG13	£1,900/mo	2	0.34 miles	OpenRent

Average rent: £1,515/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.42%

Max investor price (0.8%) £174,375

Target investor price (1%) £139,500

Gross yield 5%

Cost-to-rent ratio 20×

Monthly cashflow £-89/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.1%

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).

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