Sold STC Semi-detached

15 ROSE FIELDS

MANNINGTREE, LAWFORD, ESSEX CO11 2GD

2 beds 2 baths 77 m² Listed 25 Jul 2023 (-1054d)

£315,000

Offers in Region of

Reduced on 8 Aug 2023

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# 2 bedroom semi-detached house for sale (CO11 2GD)

## Property Details

| Key | Value |
|-----|-------|
| Address | 15 ROSE FIELDS, MANNINGTREE, LAWFORD, ESSEX CO11 2GD |
| Price | £315,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | C |
| Last sold | £302,500 Jan 2024 |

## Description

This charming red-brick family home - built in 2021 by the highly regarded Rose Builders - is beautifully presented and benefits from the high-specification this builder issues as 'standard'.

Set back from the road, the property is approached via a block-paved driveway which provides off-road parking for up to three vehicles. A paved pedestrian path leads to the entrance door where, once inside, the hallway provides a space in which to greet guests before moving through to the main living accommodation.

The living / dining room benefits from natural light from the double doors, which brings out the warmth of the wood effect flooring. A comfortable, sociable room where the family can unwind at the end of a busy day.

The beautifully appointed kitchen has a sleek, contemporary style, with flush cabinetry complemented by light worktops.

A cloakroom completes the ground floor accommodation.

On the first floor, there are two double bedrooms, both of which enjoy the benefit of their own ensuite facilities.

To the rear of the property a paved patio allows plenty of space for garden furniture and al fresco dining during the warmer months. The remainder of the garden is mainly laid to lawn.

## Property Photos

- ![Front Aspect](/listings/photos/137861537/620528) - Front Aspect
- ![Kitchen](/listings/photos/137861537/620531) - Kitchen
- ![Living / Dining Room](/listings/photos/137861537/620534) - Living / Dining Room
- ![Rear Aspect](/listings/photos/137861537/620539) - Rear Aspect
- ![Aerial View](/listings/photos/137861537/620541) - Aerial View
- ![Bedroom](/listings/photos/137861537/620546) - Bedroom
- ![Bedroom](/listings/photos/137861537/620549) - Bedroom
- ![Living Room](/listings/photos/137861537/620551) - Living Room
- ![Ensuite](/listings/photos/137861537/620553) - Ensuite
- ![Broadband Checker](/listings/photos/137861537/620556) - Broadband Checker
- ![Mobile Check](/listings/photos/137861537/620557) - Mobile Check

## Floorplans

- ![Floorplan](/listings/photos/137861537/620563) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/137861537/620565) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 15 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £302,500 | 22/01/2024 | Semi-detached |
| 15 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £280,000 | 26/10/2021 | 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 |
|---------|-------|------|------|
| 3 MILTON ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2EG | £335,000 | 23/01/2026 | Semi-detached |
| 138 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2HS | £285,000 | 09/01/2026 | Semi-detached |
| 17 CORNWALL CLOSE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2ES | £295,000 | 12/12/2025 | Semi-detached |
| 103 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2HR | £350,000 | 28/03/2025 | Semi-detached |
| 11 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £380,000 | 01/10/2024 | Semi-detached |
| [Same street] 47 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £350,000 | 19/04/2024 | Detached |
| 71 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR | £375,000 | 15/12/2023 | Semi-detached |
| 89 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR | £460,000 | 29/11/2023 | Semi-detached |
| 69 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR | £390,000 | 17/11/2023 | Semi-detached |
| 128 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2HS | £322,500 | 13/10/2023 | Semi-detached |
| [Same street] 12 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £393,000 | 22/09/2023 | Detached |
| [Same street] 45 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £345,000 | 18/08/2023 | Detached |
| 148 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2EE | £242,500 | 03/08/2023 | Semi-detached |
| 2 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £385,000 | 31/03/2023 | Semi-detached |
| 4 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £315,000 | 28/03/2023 | Semi-detached |
| 91 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR | £470,000 | 27/03/2023 | Semi-detached |
| 3 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £315,000 | 24/03/2023 | Semi-detached |
| 1 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £320,000 | 23/03/2023 | Semi-detached |
| 11 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £385,000 | 17/03/2023 | Semi-detached |
| 7 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £395,000 | 15/03/2023 | Semi-detached |
| 5 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £395,000 | 14/03/2023 | Semi-detached |
| 8 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £325,000 | 08/03/2023 | Semi-detached |
| 6 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE | £315,000 | 07/03/2023 | Semi-detached |
| [Same street] 30 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £385,000 | 13/12/2022 | Semi-detached |
| [Same street] 32 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £390,000 | 13/12/2022 | Semi-detached |
| [Same street] 28 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £475,000 | 02/12/2022 | Detached |
| [Same street] 24 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £395,000 | 29/11/2022 | Semi-detached |
| [Same street] 26 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £395,000 | 29/11/2022 | Semi-detached |
| [Same street] 47 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £360,000 | 11/11/2022 | Detached |
| [Same street] 43 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £360,000 | 31/10/2022 | Detached |
| [Same street] 39 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £355,000 | 20/10/2022 | Semi-detached |
| [Same street] 37 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £355,000 | 07/10/2022 | Semi-detached |
| [Same street] 41 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £360,000 | 07/10/2022 | Detached |
| [Same street] 35 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £360,000 | 30/09/2022 | Detached |
| [Same street] 2 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD | £630,000 | 29/07/2022 | Detached |

**Street average:** £393,867 (15 sales)
**Area average:** £352,750 (20 sales)

## Price vs local average

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

- **Local average:** £317,064 (23 Semi-detached, CO11, 2024–2026)
- **Deviation:** -0.7%

## Rental Range

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

- **Low:** £945/mo
- **Realistic:** £1,050/mo
- **Optimistic:** £1,155/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £715/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 Terraced House, Dorset Square, CO11 | £1,400/mo | 2 | 0.39 miles | OpenRent |
| 2 Bed Semi-Detached House, Gainsborough Drive, CO11 | £910/mo | 2 | 0.73 miles | OpenRent |
| 2 Bed Terraced House, Central Maltings, CO11 | £1,150/mo | 2 | 0.93 miles | OpenRent |

**Average rent: £1,153/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.37% (weak for cashflow)
- **Max investor price (0.8%):** £143,750
- **Target investor price (1%):** £115,000

*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 £1,150/mo).*

- **Gross yield:** 4.4%
- **Cost-to-rent:** 22.8×
- **Monthly cashflow:** £-231/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -3%

*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:** 3.1%
- **10y growth:** 24.3%

## House Price Index (HM Land Registry)

*Official index for Tendring; Semi-detached series; as of March 2026.*

- **1y growth (index):** -2%
- **5y growth (index):** 11%
- **10y growth (index):** 41.4%

## 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 Aspect Kitchen Living / Dining Room Rear Aspect Aerial View Bedroom Bedroom Living Room Ensuite Broadband Checker Mobile Check

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Property details

Tenure

FREEHOLD

Floor area

77 m²

Council tax band

Last sold

£302,500 Jan 2024

Local average

£317,064 (-0.7%)

Deprivation

Decile 5 (15,697 of 33,755)

Street crime

20 incidents within 1 mile (Apr 2026)

Key features

No onward chain
Open-plan ground floor living
Two bedrooms
Two ensuites
Cloakroom
Off-road parking
West facing garden

Additional details

Parking: Yes
Garden: Yes

Description

Situated on the highly sought-after development of Lawford Green, in the heart of Lawford, this immaculate, semi-detached family home offers accommodation comprising living / dining room, kitchen, cloakroom and two bedrooms with their own ensuite facilities. The property also benefits from off-road parking and a west facing garden.

This charming red-brick family home - built in 2021 by the highly regarded Rose Builders - is beautifully presented and benefits from the high-specification this builder issues as 'standard'.
Set back from the road, the property is approached via a block-paved driveway which provides off-road parking for up to three vehicles. A paved pedestrian path leads to the entrance door where, once inside, the hallway provides a space in which to greet guests before moving through to the main living accommodation.
The living / dining room benefits from natural light from the double doors, which brings out the warmth of the wood effect flooring. A comfortable, sociable room where the family can unwind at the end of a busy day.
The beautifully appointed kitchen has a sleek, contemporary style, with flush cabinetry complemented by light worktops.
A cloakroom completes the ground floor accommodation.
On the first floor, there are two double bedrooms, both of which enjoy the benefit of their own ensuite facilities.
To the rear of the property a paved patio allows plenty of space for garden furniture and al fresco dining during the warmer months. The remainder of the garden is mainly laid to lawn.

Listed by

Dedham

Kingsleigh Residential Limited

Reference: 137861537

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

Price history

8% since 2021

Event	Date	Price	% change
Sold	22/01/2024 (2 years ago)	£302,500	+8%
Sold	26/10/2021 (4 years ago)	£280,000	—

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
3 MILTON ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2EG	£335,000	23/01/2026	Semi-detached
138 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2HS	£285,000	09/01/2026	Semi-detached
17 CORNWALL CLOSE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2ES	£295,000	12/12/2025	Semi-detached
103 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2HR	£350,000	28/03/2025	Semi-detached
11 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£380,000	01/10/2024	Semi-detached
Same street 47 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£350,000	19/04/2024	Detached
71 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR	£375,000	15/12/2023	Semi-detached
89 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR	£460,000	29/11/2023	Semi-detached
69 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR	£390,000	17/11/2023	Semi-detached
128 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2HS	£322,500	13/10/2023	Semi-detached
Same street 12 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£393,000	22/09/2023	Detached
Same street 45 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£345,000	18/08/2023	Detached
148 LONG ROAD, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2EE	£242,500	03/08/2023	Semi-detached
2 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£385,000	31/03/2023	Semi-detached
4 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£315,000	28/03/2023	Semi-detached
91 THE AVENUE, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2FR	£470,000	27/03/2023	Semi-detached
3 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£315,000	24/03/2023	Semi-detached
1 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£320,000	23/03/2023	Semi-detached
11 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£385,000	17/03/2023	Semi-detached
7 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£395,000	15/03/2023	Semi-detached
5 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£395,000	14/03/2023	Semi-detached
8 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£325,000	08/03/2023	Semi-detached
6 WILLIAM WAY, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GE	£315,000	07/03/2023	Semi-detached
Same street 30 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£385,000	13/12/2022	Semi-detached
Same street 32 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£390,000	13/12/2022	Semi-detached
Same street 28 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£475,000	02/12/2022	Detached
Same street 24 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£395,000	29/11/2022	Semi-detached
Same street 26 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£395,000	29/11/2022	Semi-detached
Same street 47 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£360,000	11/11/2022	Detached
Same street 43 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£360,000	31/10/2022	Detached
Same street 39 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£355,000	20/10/2022	Semi-detached
Same street 37 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£355,000	07/10/2022	Semi-detached
Same street 41 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£360,000	07/10/2022	Detached
Same street 35 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£360,000	30/09/2022	Detached
Same street 2 ROSE FIELDS, LAWFORD, MANNINGTREE, TENDRING, ESSEX, CO11 2GD	£630,000	29/07/2022	Detached

Street average: £393,867 (15 sales)

Area average: £352,750 (20 sales)

Capital growth trend

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

5y growth 3.1%

10y growth 24.3%

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

1y (index) -2%

5y (index) 11%

10y (index) 41.4%

Rental Range

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

Low £945/mo

Realistic £1,050/mo

Optimistic £1,155/mo

Based on Local Authority from postcode lookup → Tendring.

LHA (30th percentile) floor for Ipswich: £715/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CO11 2GD

Nearby

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

Type	Name	Distance
Bus stop	Milton Road	0.1 miles
Bus stop	Waldegrave Way	0.1 miles
Shop	HoneyCroft Post Office	0.2 miles
Shop	The Cutting Lounge	0.2 miles
Train station	Manningtree	0.9 miles
Train station	Mistley	1.4 miles
University	The Pastures	6.3 miles
University	University Quays	6.4 miles
Hospital	Colchester General Hospital	6.7 miles
Hospital	Oaks Hospital	6.9 miles

Street-level crime

Category	Count
Violence and sexual offences	6
Criminal damage and arson	3
Anti-social behaviour	2
Other theft	2
Public order	2
Shoplifting	2
Bicycle theft	1
Burglary	1
Robbery	1
Total incidents	20

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
Lawford Church of England Voluntary Aided Primary School	Primary	0.2 miles	Good — 8 May 2022
Manningtree High School	Secondary	0.4 miles	Good — 12 Jan 2015
Highfields Primary School	Primary	0.5 miles	Outstanding — 8 Sep 2016
Mistley Norman Church of England Primary School	Primary	1.7 miles	Requires improvement — 23 Jan 2022
Brooklands Primary School	Primary	1.9 miles	Good — 4 Dec 2022

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 Terraced House, Dorset Square, CO11	£1,400/mo	2	0.39 miles	OpenRent
2 Bed Semi-Detached House, Gainsborough Drive, CO11	£910/mo	2	0.73 miles	OpenRent
2 Bed Terraced House, Central Maltings, CO11	£1,150/mo	2	0.93 miles	OpenRent

Average rent: £1,153/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.37%

Max investor price (0.8%) £143,750

Target investor price (1%) £115,000

Gross yield 4.4%

Cost-to-rent ratio 22.8×

Monthly cashflow £-231/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -3%

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).