Sold STC Terraced

76 HUTTON ROW

SOUTH SHIELDS, TYNE AND WEAR NE33 3PB

2 beds 1 baths 60 m² Listed 18 Dec 2025 (-227d)

£169,999

Offers in Region of

Reduced on 1 Oct 2025

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# 2 bedroom terraced house for sale (NE33 3PB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 76 HUTTON ROW, SOUTH SHIELDS, TYNE AND WEAR NE33 3PB |
| Price | £169,999 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | B |
| Last sold | £169,999 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 07/08/2028
- **Current heating cost:** £307/year
- **Est. upgrade cost to C:** £11,500

### Recommendations
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0588-0038-7218-5498-6970)

## Description

Offered with vacant possession, we are delighted to bring to the market this 2 double bedroom mid terrace, freehold home. Located close to the wonderful South Shields coastline and offering easy access to shops, bars restaurants and schools, as well as transport links for communting. This home is sure to appeal to a variety of purchasers especially first time buyers or those looking to downsize. Enhanced by a mature fenced garden to the front, double glazing, central heating and a low maintenance enclosed garden to the rear with gated access to an allocated parking bay. The property has been upgraded to a high standard and the living accommodation on offer briefly comprises, an Entrance Hall with staircase leading to the first floor, a ground floor w.c., fitted Kitchen with integrated appliances and 14ft Living Room with bi-folding doors which open to reveal the rear garden. To the first floor there is a galleried landing with doors leading to a luxurious Family Shower Room and 2 Double Bedrooms. This superb home must be viewed to be fully appreciated.  Council Tax Band B

EPC Rating: C

## Property Photos

- ![Exterior (Front)](/listings/photos/170414786/1444844) - Exterior (Front)
- ![Kitchen](/listings/photos/170414786/1444845) - Kitchen
- ![Living Room](/listings/photos/170414786/1444846) - Living Room
- ![Living Room](/listings/photos/170414786/1444848) - Living Room
- ![Landing](/listings/photos/170414786/1444855) - Landing
- ![Bedroom 1 (Front)](/listings/photos/170414786/1444856) - Bedroom 1 (Front)
- ![Bedroom 2 (Rear)](/listings/photos/170414786/1444860) - Bedroom 2 (Rear)
- ![Bedroom 2 (Rear)](/listings/photos/170414786/1444862) - Bedroom 2 (Rear)
- ![Shower Room](/listings/photos/170414786/1444863) - Shower Room
- ![Shower Room](/listings/photos/170414786/1444867) - Shower Room
- ![Garden](/listings/photos/170414786/1444868) - Garden
- ![Exterior](/listings/photos/170414786/1444870) - Exterior
- ![View](/listings/photos/170414786/1444873) - View

## Floorplans

- ![All](/listings/photos/170414786/1444875) - All

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #13659062
- **Address:** 76 Hutton Row, SOUTH SHIELDS, NE33 3PB
- **Certificate Issued:** 15/07/2019
- **Work Completed:** 09/07/2019
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 76 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £169,999 | 30/01/2026 | Terraced |
| 76 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £145,000 | 08/02/2019 | Terraced |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 51 MOWBRAY ROAD, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DD | £91,000 | 02/12/2025 | Terraced |
| 12 AUGUST PLACE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DW | £169,950 | 27/11/2025 | Terraced |
| 18 MILNER STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DA | £95,000 | 07/11/2025 | Terraced |
| [Same street] 37 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £182,000 | 12/08/2025 | Terraced |
| 139 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BY | £84,500 | 24/07/2025 | Terraced |
| 85 MOWBRAY ROAD, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BA | £139,950 | 05/02/2025 | Terraced |
| [Same street] 63 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £165,000 | 11/11/2024 | Terraced |
| [Same street] 58 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £145,000 | 12/01/2024 | Terraced |
| 54 HYDE STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LB | £65,000 | 18/12/2023 | Terraced |
| 7 HANDEL STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LD | £70,000 | 15/12/2023 | Terraced |
| 2 THE POTTERIES, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DL | £138,500 | 01/12/2023 | Terraced |
| 159 ST VINCENT STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BJ | £199,995 | 27/11/2023 | Terraced |
| 195 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BY | £70,000 | 27/10/2023 | Terraced |
| [Same street] 56 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £165,000 | 08/09/2023 | Terraced |
| 9 CANDLISH STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3JW | £76,000 | 01/07/2023 | Terraced |
| 56 SEA WINNINGS WAY, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3GE | £237,500 | 31/03/2023 | Terraced |
| 91 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BX | £114,000 | 13/01/2023 | Terraced |
| 95 LEIGHTON STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BT | £77,500 | 18/11/2022 | Terraced |
| 31 IOLANTHE TERRACE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DE | £97,500 | 14/10/2022 | Terraced |
| 131 HYDE STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LB | £94,500 | 23/09/2022 | Terraced |
| 58 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BX | £175,000 | 17/08/2022 | Terraced |
| 27 MOZART STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LE | £78,650 | 15/08/2022 | Terraced |
| [Same street] 77 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £169,500 | 28/07/2022 | Terraced |
| 45 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DQ | £250,000 | 22/07/2022 | Terraced |
| 33 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3NU | £52,500 | 20/07/2022 | Terraced |
| [Same street] 57 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £166,050 | 09/05/2022 | Terraced |
| [Same street] 41 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £180,000 | 13/04/2022 | Terraced |
| [Same street] 87 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB | £154,960 | 03/12/2021 | Terraced |

**Street average:** £165,939 (8 sales)
**Area average:** £118,852 (20 sales)

## Price vs local average

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

- **Local average:** £150,408 (56 Terraced, NE33, 2024–2026)
- **Deviation:** +13%

## Rental Range

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

- **Low:** £658/mo
- **Realistic:** £731/mo
- **Optimistic:** £804/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £549/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, Marine Approach, NE33 | £795/mo | 2 | 0.23 miles | OpenRent |
| 2 Bed Flat, St. Michaels Avenue North, NE33 | £625/mo | 2 | 0.24 miles | OpenRent |
| 2 Bed Flat, Tadema Road, NE33 | £650/mo | 2 | 0.25 miles | OpenRent |
| 2 Bed Terraced House, Dunelm St, NE33 | £850/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed Flat, Imeary Street, NE33 | £675/mo | 2 | 0.38 miles | OpenRent |
| 2 Bed Flat, Collingwood Street, NE33 | £730/mo | 2 | 0.81 miles | OpenRent |
| 2 Bed Flat, Pembroke Terrace, NE33 | £695/mo | 2 | 0.85 miles | OpenRent |
| 2 Bed Flat, Marshall Wallis Road, NE33 | £650/mo | 2 | 0.89 miles | OpenRent |

**Average rent: £709/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.4% (weak for cashflow)
- **Max investor price (0.8%):** £85,625
- **Target investor price (1%):** £68,500

*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 £685/mo).*

- **Gross yield:** 4.8%
- **Cost-to-rent:** 20.7×
- **Monthly cashflow:** £-78/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.9%

*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:** £2,833/m²

## Capital growth trend

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

- **5y growth:** 40%
- **10y growth:** 6.9%

## House Price Index (HM Land Registry)

*Official index for South Tyneside; Terraced series; as of April 2026.*

- **1y growth (index):** 2.5%
- **5y growth (index):** 19.5%
- **10y growth (index):** 40%

## 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)

Exterior (Front) Kitchen Living Room Living Room Landing Bedroom 1 (Front) Bedroom 2 (Rear) Bedroom 2 (Rear) Shower Room Shower Room Garden Exterior View

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Property details

Tenure

FREEHOLD

Floor area

60 m²

Council tax band

EPC rating

Last sold

£169,999 Jan 2026

Price per m²

£2,833/m²

Local average

£150,408 (+13%)

Deprivation

Decile 2 (6,463 of 33,755)

Street crime

428 incidents within 1 mile (May 2026)

Key features

No Upward Chain
14ft Living Room
Fitted Kitchen with appliances
2 Bedrooms
Luxurious Shower Room
Gardens Front and Rear
Allocated Parking Bay
Close to Schools & Coast
Freehold Mid Terrace House

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: Off street
Garden: Private garden
Listed property: No
Restrictions: No
Required access: No
Rights of way: No
Flooded in last 5 years: No
Flood defences: No

Description

Listed by

East Boldon

Linda Leary Estate Agents

Reference: 170414786

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 08/08/2018

Expiry date: 07/08/2028

Current heating cost: £307/year

Potential heating cost: £307/year

Est. upgrade cost to C: £11,500

Recommendations

Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

All

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #13659062

Property Details

Street: 76 Hutton Row

Town: SOUTH SHIELDS

Postcode: NE33 3PB

Installation Details

Items: 1 door

Certificate Issued: 15/07/2019

Work Completed: 09/07/2019

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

17% since 2019

Event	Date	Price	% change
Sold	30/01/2026 (6 months ago)	£169,999	+17.2%
Sold	08/02/2019 (7 years ago)	£145,000	—

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
51 MOWBRAY ROAD, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DD	£91,000	02/12/2025	Terraced
12 AUGUST PLACE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DW	£169,950	27/11/2025	Terraced
18 MILNER STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DA	£95,000	07/11/2025	Terraced
Same street 37 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£182,000	12/08/2025	Terraced
139 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BY	£84,500	24/07/2025	Terraced
85 MOWBRAY ROAD, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BA	£139,950	05/02/2025	Terraced
Same street 63 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£165,000	11/11/2024	Terraced
Same street 58 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£145,000	12/01/2024	Terraced
54 HYDE STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LB	£65,000	18/12/2023	Terraced
7 HANDEL STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LD	£70,000	15/12/2023	Terraced
2 THE POTTERIES, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DL	£138,500	01/12/2023	Terraced
159 ST VINCENT STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BJ	£199,995	27/11/2023	Terraced
195 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BY	£70,000	27/10/2023	Terraced
Same street 56 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£165,000	08/09/2023	Terraced
9 CANDLISH STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3JW	£76,000	01/07/2023	Terraced
56 SEA WINNINGS WAY, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3GE	£237,500	31/03/2023	Terraced
91 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BX	£114,000	13/01/2023	Terraced
95 LEIGHTON STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BT	£77,500	18/11/2022	Terraced
31 IOLANTHE TERRACE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DE	£97,500	14/10/2022	Terraced
131 HYDE STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LB	£94,500	23/09/2022	Terraced
58 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3BX	£175,000	17/08/2022	Terraced
27 MOZART STREET, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3LE	£78,650	15/08/2022	Terraced
Same street 77 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£169,500	28/07/2022	Terraced
45 OSBORNE AVENUE, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3DQ	£250,000	22/07/2022	Terraced
33 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3NU	£52,500	20/07/2022	Terraced
Same street 57 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£166,050	09/05/2022	Terraced
Same street 41 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£180,000	13/04/2022	Terraced
Same street 87 HUTTON ROW, SOUTH SHIELDS, SOUTH TYNESIDE, TYNE AND WEAR, NE33 3PB	£154,960	03/12/2021	Terraced

Street average: £165,939 (8 sales)

Area average: £118,852 (20 sales)

Capital growth trend

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

5y growth 40%

10y growth 6.9%

House Price Index (HM Land Registry — official index, not sold-price averages): South Tyneside. Series: Terraced. As of April 2026.

1y (index) 2.5%

5y (index) 19.5%

10y (index) 40%

Rental Range

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

Low £658/mo

Realistic £731/mo

Optimistic £804/mo

Based on Local Authority from postcode lookup → South Tyneside.

LHA (30th percentile) floor for Tyneside: £549/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View NE33 3PB

Nearby

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

Type	Name	Distance
Shop	Mac 'n' Alli	0.1 miles
Shop	Whistlestop	0.1 miles
Bus stop	Mowbray Road	0.2 miles
Bus stop	WESTCOTT AVENUE	0.2 miles
Train station	Unknown	0.6 miles
Train station	South Shields	0.6 miles
Hospital	Priory Day Hospital	1.9 miles
University	Dove Marine Laboratory	2.9 miles
Hospital	Sunderland Primary care Trust	4.7 miles
University	Northumbria University Coach Lane Campus	6.0 miles

Street-level crime

Category	Count
Anti-social behaviour	110
Violence and sexual offences	108
Shoplifting	106
Criminal damage and arson	22
Public order	18
Vehicle crime	13
Burglary	12
Other crime	11
Other theft	10
Drugs	5
Theft from the person	5
Possession of weapons	4
Robbery	3
Bicycle theft	1
Total incidents	428

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
Westoe Crown Primary School	Primary	0.1 miles	Good — 28 Jan 2014
Marine Park Primary School	Primary	0.4 miles	Outstanding — 14 Apr 2017
St Bede's Catholic Primary School, South Shields	Primary	0.4 miles	Outstanding — 2 Jul 2024
Tyne Coast College	Other	0.5 miles	— (No rating)
Laygate Community School	Primary	0.6 miles	Good — 21 Nov 2012

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, Marine Approach, NE33	£795/mo	2	0.23 miles	OpenRent
2 Bed Flat, St. Michaels Avenue North, NE33	£625/mo	2	0.24 miles	OpenRent
2 Bed Flat, Tadema Road, NE33	£650/mo	2	0.25 miles	OpenRent
2 Bed Terraced House, Dunelm St, NE33	£850/mo	2	0.29 miles	OpenRent
2 Bed Flat, Imeary Street, NE33	£675/mo	2	0.38 miles	OpenRent
2 Bed Flat, Collingwood Street, NE33	£730/mo	2	0.81 miles	OpenRent
2 Bed Flat, Pembroke Terrace, NE33	£695/mo	2	0.85 miles	OpenRent
2 Bed Flat, Marshall Wallis Road, NE33	£650/mo	2	0.89 miles	OpenRent

Average rent: £709/mo (8 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.4%

Max investor price (0.8%) £85,625

Target investor price (1%) £68,500

Gross yield 4.8%

Cost-to-rent ratio 20.7×

Monthly cashflow £-78/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.9%

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).