Sold STC Semi-detached

44 WARWICK ROAD

BISHOP'S STORTFORD, HERTFORDSHIRE CM23 5NW

3 beds 2 baths 1,550 sq ft Listed 26 Jan 2021 (-1971d)

£795,000

Guide Price

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# 3 bedroom semi-detached house for sale (CM23 5NW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 44 WARWICK ROAD, BISHOP'S STORTFORD, HERTFORDSHIRE CM23 5NW |
| Price | £795,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | TBC |
| Construction age | England and Wales: before 1900 |
| Floor area | 144 m² |
| Last sold | £739,500 Jul 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** B
- **Expiry date:** 12/03/2034
- **Est. upgrade cost to C:** £32,068

### Recommendations
- A (£100 - £350)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- C (£15 - £30)
- D (£80 - £120)
- E (£20)
- F (£200 - £400)
- G (£350 - £450)
- I (£2,200 - £3,000)
- N (£4,000 - £6,000)
- O (£3,300 - £6,500)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8234-2827-0300-0917-5292)

## Description

The internal accommodation is arranged over two floors and in brief comprises: Entrance hallway, sitting room, kitchen breakfast room and further reception room, three bedrooms, a family bathroom and further shower room.

Outside to the front there is driveway parking with access to a single garage. A gated side access leads to the south facing rear garden which is mainly laid to patio.

## Property Photos

- ![Picture No. 19](/listings/photos/88583281/696499) - Picture No. 19
- ![Picture No. 08](/listings/photos/88583281/696503) - Picture No. 08
- ![Picture No. 09](/listings/photos/88583281/696504) - Picture No. 09
- ![Picture No. 10](/listings/photos/88583281/696506) - Picture No. 10
- ![Picture No. 11](/listings/photos/88583281/696508) - Picture No. 11
- ![Picture No. 12](/listings/photos/88583281/696510) - Picture No. 12
- ![Picture No. 13](/listings/photos/88583281/696511) - Picture No. 13
- ![Picture No. 14](/listings/photos/88583281/696513) - Picture No. 14
- ![Picture No. 15](/listings/photos/88583281/696515) - Picture No. 15
- ![Picture No. 06](/listings/photos/88583281/696517) - Picture No. 06
- ![Picture No. 07](/listings/photos/88583281/696520) - Picture No. 07
- ![Picture No. 05](/listings/photos/88583281/696522) - Picture No. 05
- ![Picture No. 03](/listings/photos/88583281/696525) - Picture No. 03
- ![Picture No. 04](/listings/photos/88583281/696527) - Picture No. 04
- ![Picture No. 17](/listings/photos/88583281/696529) - Picture No. 17
- ![Picture No. 18](/listings/photos/88583281/696532) - Picture No. 18

## Floorplans

- ![Floorplan](/listings/photos/88583281/696535) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/88583281/696537) - EPC Rating Graph
- ![EPC Rating Graph](/listings/photos/88583281/696540) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 44 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £739,500 | 19/07/2024 | Semi-detached |
| 44 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £430,000 | 22/03/2019 | 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 |
|---------|-------|------|------|
| 24 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NQ | £685,000 | 28/03/2025 | Semi-detached |
| [Same street] 42 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £1,010,595 | 18/10/2024 | Semi-detached |
| [Same street] 46 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £925,000 | 30/08/2024 | Semi-detached |
| [Same street] 60A WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £1,185,000 | 16/08/2024 | Detached |
| [Same street] 54 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £1,012,000 | 13/02/2024 | Semi-detached |
| [Same street] 64 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £1,187,500 | 07/12/2023 | Detached |
| [Same street] 36 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £996,000 | 31/10/2023 | Detached |
| 17 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU | £692,687 | 13/10/2023 | Semi-detached |
| 9 HILLSIDE AVENUE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HS | £810,000 | 30/06/2023 | Semi-detached |
| [Same street] 48 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £810,000 | 29/06/2023 | Semi-detached |
| 182 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HW | £305,000 | 24/03/2023 | Semi-detached |
| 17 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NH | £901,000 | 18/11/2022 | Semi-detached |
| 31 STORTFORD HALL PARK, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5AJ | £500,000 | 31/10/2022 | Semi-detached |
| 9 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU | £630,000 | 24/10/2022 | Semi-detached |
| 7 HILLSIDE AVENUE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HS | £734,720 | 20/10/2022 | Semi-detached |
| 2 RED CLOSE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5FG | £624,528 | 13/10/2022 | Semi-detached |
| 28 EAST ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5JG | £440,000 | 03/10/2022 | Semi-detached |
| 143 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HQ | £470,000 | 12/09/2022 | Semi-detached |
| 25 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU | £646,000 | 01/09/2022 | Semi-detached |
| 15 STORTFORD HALL PARK, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5AJ | £430,000 | 24/08/2022 | Semi-detached |
| 52 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NQ | £1,012,500 | 29/07/2022 | Semi-detached |
| 21 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU | £606,000 | 01/07/2022 | Semi-detached |
| 13 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NG | £935,000 | 16/06/2022 | Semi-detached |
| 142 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HN | £460,000 | 15/06/2022 | Semi-detached |
| 112 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HN | £550,000 | 05/05/2022 | Semi-detached |
| [Same street] 38 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW | £885,000 | 25/04/2022 | Semi-detached |
| 17 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NG | £795,000 | 20/04/2022 | Semi-detached |
| 15 WAYLETTS DRIVE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5JE | £466,000 | 09/02/2022 | Semi-detached |

**Street average:** £1,001,387 (8 sales)
**Area average:** £634,672 (20 sales)

## Price vs local average

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

- **Local average:** £526,310 (31 Semi-detached, CM23, 2024–2026)
- **Deviation:** +51.1%

## Rental Range

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

- **Low:** £1,350/mo
- **Realistic:** £1,500/mo
- **Optimistic:** £1,650/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,207/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 |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, The Hedgerows, CM23 | £2,050/mo | 3 | 0.26 miles | OpenRent |

**Average rent: £2,050/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.26% (weak for cashflow)
- **Max investor price (0.8%):** £256,250
- **Target investor price (1%):** £205,000

*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 £2,050/mo).*

- **Gross yield:** 3.1%
- **Cost-to-rent:** 32.3×
- **Monthly cashflow:** £-1,311/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:** £5,521/m²

## Capital growth trend

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

- **5y growth:** 4.8%
- **10y growth:** 14%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 6.8%
- **5y growth (index):** 15.7%
- **10y growth (index):** 33.3%

## 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

FREEHOLD

Floor area

144 m²

Council tax band

TBC

EPC rating

Year built

England and Wales: before 1900

Last sold

£739,500 Jul 2024

Price per m²

£5,521/m²

Local average

£526,310 (+51.1%)

Deprivation

Decile 9 (28,496 of 33,755)

Street crime

198 incidents within 1 mile (Apr 2026)

Key features

Located in a prime residential road
An Edwardian semi detached home
Requiring modernising and updating throughout
Three bedrooms & two reception rooms
Kitchen/breakfast room
Single garage & driveway parking
South facing rear garden
EPC Band E / Council Tax band F

Additional details

Parking: Yes
Garden: Yes

Description

An Edwardian semi detached home located in one of Bishop’s Stortford prime residential roads. The property requires modernising and updating throughout but also offers huge potential to convert the loft space, subject to planning permission. Warwick Road is extremely well located for Bishop’s Stortford mainline station and town centre as well as Herts & Essex Girls School and Thorn Gove primary.

The internal accommodation is arranged over two floors and in brief comprises: Entrance hallway, sitting room, kitchen breakfast room and further reception room, three bedrooms, a family bathroom and further shower room.

Outside to the front there is driveway parking with access to a single garage. A gated side access leads to the south facing rear garden which is mainly laid to patio.

Listed by

Bishop's Stortford

Russell Property

Reference: 88583281

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: B

Inspection date: 13/03/2024

Expiry date: 12/03/2034

Est. upgrade cost to C: £32,068

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

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Add additional 80 mm jacket to hot water cylinder (£15 - £30)
Draughtproof single-glazed windows (£80 - £120)
Low energy lighting for all fixed outlets (£20)
Hot water cylinder thermostat (£200 - £400)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
Solar water heating (£4,000 - £6,000)
Replace single glazed windows with low-E double glazing (£3,300 - £6,500)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

Price history

72% since 2019

Event	Date	Price	% change
Sold	19/07/2024 (1 year ago)	£739,500	+72%
Sold	22/03/2019 (7 years ago)	£430,000	—

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
24 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NQ	£685,000	28/03/2025	Semi-detached
Same street 42 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£1,010,595	18/10/2024	Semi-detached
Same street 46 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£925,000	30/08/2024	Semi-detached
Same street 60A WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£1,185,000	16/08/2024	Detached
Same street 54 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£1,012,000	13/02/2024	Semi-detached
Same street 64 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£1,187,500	07/12/2023	Detached
Same street 36 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£996,000	31/10/2023	Detached
17 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU	£692,687	13/10/2023	Semi-detached
9 HILLSIDE AVENUE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HS	£810,000	30/06/2023	Semi-detached
Same street 48 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£810,000	29/06/2023	Semi-detached
182 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HW	£305,000	24/03/2023	Semi-detached
17 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NH	£901,000	18/11/2022	Semi-detached
31 STORTFORD HALL PARK, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5AJ	£500,000	31/10/2022	Semi-detached
9 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU	£630,000	24/10/2022	Semi-detached
7 HILLSIDE AVENUE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HS	£734,720	20/10/2022	Semi-detached
2 RED CLOSE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5FG	£624,528	13/10/2022	Semi-detached
28 EAST ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5JG	£440,000	03/10/2022	Semi-detached
143 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HQ	£470,000	12/09/2022	Semi-detached
25 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU	£646,000	01/09/2022	Semi-detached
15 STORTFORD HALL PARK, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5AJ	£430,000	24/08/2022	Semi-detached
52 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NQ	£1,012,500	29/07/2022	Semi-detached
21 MANOR ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HU	£606,000	01/07/2022	Semi-detached
13 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NG	£935,000	16/06/2022	Semi-detached
142 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HN	£460,000	15/06/2022	Semi-detached
112 DUNMOW ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5HN	£550,000	05/05/2022	Semi-detached
Same street 38 WARWICK ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NW	£885,000	25/04/2022	Semi-detached
17 GRANGE ROAD, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5NG	£795,000	20/04/2022	Semi-detached
15 WAYLETTS DRIVE, BISHOP'S STORTFORD, EAST HERTFORDSHIRE, HERTFORDSHIRE, CM23 5JE	£466,000	09/02/2022	Semi-detached

Street average: £1,001,387 (8 sales)

Area average: £634,672 (20 sales)

Capital growth trend

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

5y growth 4.8%

10y growth 14%

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

1y (index) 6.8%

5y (index) 15.7%

10y (index) 33.3%

Rental Range

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

Low £1,350/mo

Realistic £1,500/mo

Optimistic £1,650/mo

Based on Local Authority from postcode lookup → East Hertfordshire.

LHA (30th percentile) floor for Harlow & Stortford: £1,207/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CM23 5NW

Nearby

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

Type	Name	Distance
Bus stop	Herts & Essex Hospital Grounds	0.1 miles
Shop	Prestige Dry Cleaners	0.2 miles
Bus stop	Anglo European College	0.2 miles
Shop	Spar	0.2 miles
Train station	Bishop's Stortford	0.4 miles
Train station	Stansted Mountfitchet	2.6 miles
Hospital	Jacob's Neuro Centre	4.4 miles
Hospital	Saffron Walden Community Hospital (no A&E)	11.4 miles

Street-level crime

Category	Count
Violence and sexual offences	65
Anti-social behaviour	43
Shoplifting	34
Vehicle crime	12
Burglary	11
Criminal damage and arson	11
Other theft	8
Public order	4
Drugs	3
Theft from the person	3
Bicycle theft	2
Possession of weapons	1
Robbery	1
Total incidents	198

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
The Hertfordshire & Essex High School and Science College	Secondary	0.1 miles	Outstanding — 14 Jan 2024
Thorn Grove Primary School	Primary	0.2 miles	Good — 9 Jun 2019
Hockerill Anglo-European College	Secondary	0.3 miles	Good — 19 Apr 2023
Summercroft Primary School	Primary	0.5 miles	Good — 12 Jan 2017
All Saints Church of England Primary School and Nursery, Bishop's Stortford	Primary	0.5 miles	Good — 9 Jun 2014

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
3 Bed Semi-Detached House, The Hedgerows, CM23	£2,050/mo	3	0.26 miles	OpenRent

Average rent: £2,050/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.26%

Max investor price (0.8%) £256,250

Target investor price (1%) £205,000

Gross yield 3.1%

Cost-to-rent ratio 32.3×

Monthly cashflow £-1,311/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).