Sold STC Semi-detached

11 CHURCH ROAD

SOUTHPORT, LANCASHIRE PR9 8ET

2 beds 1 baths 743 sq ft Listed 1 Jun 2016 (-3701d)

£139,995

Save

# 2 bedroom semi-detached house for sale (PR9 8ET)

## Property Details

| Key | Value |
|-----|-------|
| Address | 11 CHURCH ROAD, SOUTHPORT, LANCASHIRE PR9 8ET |
| Price | £139,995 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 69 m² |
| Last sold | £124,000 Sep 2016 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Expiry date:** 12/07/2025 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £1,155/year

### Recommendations
- B (1,500)
- W2 (6,000)
- T (7,000)
- N (6,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0038-2877-7137-9495-2345)

## Description

**Lounge** - 3.51m x 4.45m (11'6" x 14'7") - Upvc double glazed window, Upvc outer door, night storage heater, gas fire.

**Dining Room** - 3.12m x 3.71m extending to 4.42m overall measureme - Gas fire, Upvc double glazed windows to rear and side, night storage heater, stairs to first floor.

**Kitchen** - 2.11m x 2.18m (6'11" x 7'2") - Base and wall units, sink unit, Upvc double glazed window. Rear hall.

**Bathroom** - White suite including panelled bath with electric shower, wash hand basin, low level Wc.

**First Floor Landing** - Upvc double glazed window.

**Bedroom 1** - 3.56m x 4.42m (11'8" x 14'6") - two Upvc double glazed windows, night storage heater.

**Bedroom 2** - 3.10m x 3.53m (10'2" x 11'7") - Upvc double glazed window, night storage heater.

**Outside** - There are substantial gardens to the front and rear, a wide driveway providing access to the rear of the property. There is space for the erection of a two storey extension at the side and rear, subject to the usual consents being obtained. There is a garage with adjoining car port, wash room, extensive rear garden with lawn and well stocked borders.

**Tenure** - Please note we have not verified the tenure of this property, please advise us if you require confirmation of the tenure.

## Property Photos

- ![023.JPG](/listings/photos/42195549/1352883) - 023.JPG
- ![Outside](/listings/photos/42195549/1352884) - Outside
- ![Outside](/listings/photos/42195549/1352892) - Outside
- ![Lounge](/listings/photos/42195549/1352899) - Lounge
- ![Lounge](/listings/photos/42195549/1352904) - Lounge
- ![Dining Room](/listings/photos/42195549/1352910) - Dining Room
- ![Kitchen](/listings/photos/42195549/1352919) - Kitchen
- ![Bedroom 1](/listings/photos/42195549/1352926) - Bedroom 1
- ![Bedroom 2](/listings/photos/42195549/1352935) - Bedroom 2
- ![Outside](/listings/photos/42195549/1352940) - Outside
- ![Outside](/listings/photos/42195549/1352948) - Outside

## Floorplans

- ![Property Floorplan](/listings/photos/42195549/1352954) - Property Floorplan

## EPC Graphs

- ![EE Rating](/listings/photos/42195549/1352958) - EE Rating
- ![EI Rating](/listings/photos/42195549/1352961) - EI Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 11 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £124,000 | 16/09/2016 | 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 |
|---------|-------|------|------|
| 31 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £177,500 | 13/06/2025 | Semi-detached |
| [Same street] 53 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £228,000 | 18/10/2024 | Detached |
| [Same street] 52 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £455,000 | 12/06/2024 | Detached |
| [Same street] 67 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £215,000 | 11/04/2024 | Semi-detached |
| [Same street] 26 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £150,000 | 23/01/2024 | Semi-detached |
| [Same street] 42 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £216,000 | 21/12/2023 | Detached |
| 19 VICARAGE LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ES | £165,000 | 13/12/2023 | Semi-detached |
| [Same street] 17 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £150,000 | 19/09/2023 | Flat |
| [Same street] 44 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £149,000 | 06/09/2023 | Semi-detached |
| [Same street] 83 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £140,000 | 08/08/2023 | Semi-detached |
| 8 RALPHS WIFES LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ER | £255,000 | 31/05/2023 | Semi-detached |
| 13 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £160,000 | 05/05/2023 | Semi-detached |
| 22 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD | £195,000 | 08/12/2022 | Semi-detached |
| [Same street] 69 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £172,000 | 06/12/2022 | Semi-detached |
| 39 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD | £155,000 | 22/11/2022 | Semi-detached |
| 6C HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD | £85,000 | 04/11/2022 | Semi-detached |
| [Same street] 50 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £140,000 | 30/09/2022 | Semi-detached |
| 7 RALPHS WIFES LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ER | £265,000 | 08/09/2022 | Semi-detached |
| 11 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £190,000 | 29/07/2022 | Semi-detached |
| 23 RALPHS WIFES LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ER | £160,000 | 19/07/2022 | Semi-detached |
| 28 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD | £167,000 | 15/07/2022 | Semi-detached |
| 63 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £136,000 | 01/07/2022 | Semi-detached |
| 19 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD | £120,000 | 28/06/2022 | Semi-detached |
| 17 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £190,000 | 27/05/2022 | Semi-detached |
| 14 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £185,000 | 12/05/2022 | Semi-detached |
| 42 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £215,000 | 10/05/2022 | Semi-detached |
| 31 VICARAGE LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ES | £144,000 | 20/04/2022 | Semi-detached |
| THREE WAYS CHARNLEYS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HH | £265,000 | 21/03/2022 | Semi-detached |
| 30 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £172,000 | 14/03/2022 | Semi-detached |
| 31 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £110,000 | 28/01/2022 | Semi-detached |

**Street average:** £201,500 (10 sales)
**Area average:** £175,575 (20 sales)

## Price vs local average

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

- **Local average:** £230,445 (97 Semi-detached, PR9, 2024–2026)
- **Deviation:** -39.3%

## Rental Range

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

- **Low:** £719/mo
- **Realistic:** £799/mo
- **Optimistic:** £879/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £598/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 Penthouse, Guinea Hall Mews, PR9 | £895/mo | 2 | 0.38 miles | OpenRent |

**Average rent: £895/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.64% (weak for cashflow)
- **Max investor price (0.8%):** £111,875
- **Target investor price (1%):** £89,500

*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 £895/mo).*

- **Gross yield:** 7.7%
- **Cost-to-rent:** 13×
- **Monthly cashflow:** £229/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.8%

*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:** £2,029/m²

## Capital growth trend

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

- **5y growth:** 8.4%
- **10y growth:** 35.3%

## House Price Index (HM Land Registry)

*Official index for West Lancashire; Semi-detached series; as of April 2026.*

- **1y growth (index):** 7.3%
- **5y growth (index):** 31%
- **10y growth (index):** 51.1%

## 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)

023.JPG Outside Outside Lounge Lounge Dining Room Kitchen Bedroom 1 Bedroom 2 Outside Outside

/ 11

Property details

Floor area

69 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£124,000 Sep 2016

Price per m²

£2,029/m²

Local average

£230,445 (-39.3%)

Deprivation

Decile 3 (8,774 of 33,755)

Street crime

23 incidents within 1 mile (May 2026)

Key features

Two Bedroom Semi Detached House
Lounge, Dining Room, Kitchen
Extensive Gardens To Front and Rear
Garage With Adjoining Car Port and Wash Room
Rear Garden With Well Stocked Borders and Lawn
Space For The Erection Of A Two Storey Extension
In Need Of Modernisation and Improvement

Additional details

Parking: Yes
Garden: Yes

Description

Two bedroom semi detached house with lounge, dining room and kitchen, With extensive gardens to front and rear with garage including adjoining car port and wash room. The property also features space for the erection of a two storey extension to the side and rear, subject to the normal planning regulations.

Lounge - 3.51m x 4.45m (11'6" x 14'7") - Upvc double glazed window, Upvc outer door, night storage heater, gas fire.

Dining Room - 3.12m x 3.71m extending to 4.42m overall measureme - Gas fire, Upvc double glazed windows to rear and side, night storage heater, stairs to first floor.

Kitchen - 2.11m x 2.18m (6'11" x 7'2") - Base and wall units, sink unit, Upvc double glazed window. Rear hall.

Bathroom - White suite including panelled bath with electric shower, wash hand basin, low level Wc.

First Floor Landing - Upvc double glazed window.

Bedroom 1 - 3.56m x 4.42m (11'8" x 14'6") - two Upvc double glazed windows, night storage heater.

Bedroom 2 - 3.10m x 3.53m (10'2" x 11'7") - Upvc double glazed window, night storage heater.

Outside - There are substantial gardens to the front and rear, a wide driveway providing access to the rear of the property. There is space for the erection of a two storey extension at the side and rear, subject to the usual consents being obtained. There is a garage with adjoining car port, wash room, extensive rear garden with lawn and well stocked borders.

Tenure - Please note we have not verified the tenure of this property, please advise us if you require confirmation of the tenure.

Listed by

Southport

Chris Tinsley Estate Agents

Reference: 42195549

EPC Rating & Upgrade Cost

This certificate expired on 12/07/2025. A new EPC may be required before the property can be marketed or let.

Current rating: E

Potential rating: C

Inspection date: 13/07/2015

Expiry date: 12/07/2025 (expired)

Current heating cost: £1,155/year

Potential heating cost: £648/year

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

Recommendations

Cavity wall insulation (1,500)
Floor insulation (solid floor) (6,000)
Change heating to gas condensing boiler (7,000)
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)

Floorplans

Property Floorplan

EPC Graphs

EE Rating

EI Rating

Price history

Event	Date	Price	% change
Sold	16/09/2016 (9 years ago)	£124,000	—

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
31 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£177,500	13/06/2025	Semi-detached
Same street 53 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£228,000	18/10/2024	Detached
Same street 52 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£455,000	12/06/2024	Detached
Same street 67 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£215,000	11/04/2024	Semi-detached
Same street 26 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£150,000	23/01/2024	Semi-detached
Same street 42 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£216,000	21/12/2023	Detached
19 VICARAGE LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ES	£165,000	13/12/2023	Semi-detached
Same street 17 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£150,000	19/09/2023	Flat
Same street 44 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£149,000	06/09/2023	Semi-detached
Same street 83 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£140,000	08/08/2023	Semi-detached
8 RALPHS WIFES LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ER	£255,000	31/05/2023	Semi-detached
13 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£160,000	05/05/2023	Semi-detached
22 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD	£195,000	08/12/2022	Semi-detached
Same street 69 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£172,000	06/12/2022	Semi-detached
39 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD	£155,000	22/11/2022	Semi-detached
6C HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD	£85,000	04/11/2022	Semi-detached
Same street 50 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£140,000	30/09/2022	Semi-detached
7 RALPHS WIFES LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ER	£265,000	08/09/2022	Semi-detached
11 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£190,000	29/07/2022	Semi-detached
23 RALPHS WIFES LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ER	£160,000	19/07/2022	Semi-detached
28 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD	£167,000	15/07/2022	Semi-detached
63 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£136,000	01/07/2022	Semi-detached
19 HOOLE LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BD	£120,000	28/06/2022	Semi-detached
17 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£190,000	27/05/2022	Semi-detached
14 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£185,000	12/05/2022	Semi-detached
42 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£215,000	10/05/2022	Semi-detached
31 VICARAGE LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ES	£144,000	20/04/2022	Semi-detached
THREE WAYS CHARNLEYS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HH	£265,000	21/03/2022	Semi-detached
30 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£172,000	14/03/2022	Semi-detached
31 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£110,000	28/01/2022	Semi-detached

Street average: £201,500 (10 sales)

Area average: £175,575 (20 sales)

Capital growth trend

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

5y growth 8.4%

10y growth 35.3%

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

1y (index) 7.3%

5y (index) 31%

10y (index) 51.1%

Rental Range

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

Low £719/mo

Realistic £799/mo

Optimistic £879/mo

Based on Local Authority from postcode lookup → West Lancashire.

LHA (30th percentile) floor for Southport: £598/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View PR9 8ET

Nearby

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

Type	Name	Distance
Bus stop	Banks adj Glebe Lane	0.0 miles
Bus stop	Banks by Church Road	0.1 miles
Shop	NEWSAGENT	0.2 miles
Shop	Windowcare	1.2 miles
Train station	Meols Cop	3.2 miles
Train station	Becconsall Station	3.7 miles
Hospital	Clifton Hospital	5.6 miles
Hospital	Children's A&E	8.3 miles
University	Milton House	8.4 miles
University	Edge Hill University	8.8 miles

Street-level crime

Category	Count
Violence and sexual offences	9
Anti-social behaviour	5
Criminal damage and arson	3
Possession of weapons	2
Burglary	1
Other theft	1
Public order	1
Shoplifting	1
Total incidents	23

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
Banks Methodist School	Primary	0.3 miles	Good — 12 Sep 2016
Banks St Stephen's CofE School	Primary	0.5 miles	Good — 17 Oct 2021
St John's Church of England Primary School	Primary	1.1 miles	Good — 25 Apr 2016
Peterhouse School	Other	1.9 miles	Requires improvement — 5 Jul 2023
Presfield High School and Specialist College	Other	1.9 miles	Good — 22 Apr 2013

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 Penthouse, Guinea Hall Mews, PR9	£895/mo	2	0.38 miles	OpenRent

Average rent: £895/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.64%

Max investor price (0.8%) £111,875

Target investor price (1%) £89,500

Gross yield 7.7%

Cost-to-rent ratio 13×

Monthly cashflow £229/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 6.8%

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).