For sale Detached

55 LOACHBROOK FARM WAY

CONGLETON, CHESHIRE EAST CW12 4BF

3 beds 2 baths 958 sq ft Listed 22 Apr 2026 (-49d)

£340,000

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# 3 bedroom detached house for sale (CW12 4BF)

## Property Details

| Key | Value |
|-----|-------|
| Address | 55 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST CW12 4BF |
| Price | £340,000 |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Council tax | D |
| Floor area | 89 m² |
| Last sold | £325,000 Oct 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Current heating cost:** £260/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/2908-6980-7382-4396-1914)

## Description

Attractive nicely situated corner plot three bedroom family home within  a popular modern development on the outskirts of Congleton.

This home is within walking distance of good schools and West Heath shopping centre whilst being within seconds of the surrounding countryside.

Congleton offers a range of fantastic restaurants, bars and independently owned shops with regular local events and activities.  Good transport links are provided via Congleton train station, several bus routes and proximity to both the M6 motorway and A500.

In brief this gas centrally heated and PVCu double glazed home comprises of a kitchen diner, sitting room and utility/W.C. to the ground floor and three good sized bedrooms, ensuite and family bathroom on the first floor.

Externally there is a front garden laid to lawn behind a low level hedge, Riverstone hardstanding for further car parking and path to the front door.  There is an enclosed lawned garden with timber decking area and gate.

We anticipate a significant level of interest on this great family home so call us soon to make a viewing.  In the meantime please view our video.

## Property Photos

- ![FRONT](/listings/photos/174785864/137884) - FRONT
- ![LOUNGE](/listings/photos/174785864/137885) - LOUNGE
- ![KITCHEN AREA](/listings/photos/174785864/137886) - KITCHEN AREA
- ![DINING AREA](/listings/photos/174785864/137887) - DINING AREA
- ![BEDROOM 1 FRONT](/listings/photos/174785864/137888) - BEDROOM 1 FRONT
- ![BATHROOM ](/listings/photos/174785864/137889) - BATHROOM 
- ![SIDE](/listings/photos/174785864/137890) - SIDE
- ![AERIAL VIEW](/listings/photos/174785864/137891) - AERIAL VIEW
- ![BEDROOM 2 FRONT](/listings/photos/174785864/137892) - BEDROOM 2 FRONT
- ![FRONT](/listings/photos/174785864/137893) - FRONT
- ![SIDE](/listings/photos/174785864/137895) - SIDE
- ![PLOT](/listings/photos/174785864/137896) - PLOT
- ![SIDE](/listings/photos/174785864/137898) - SIDE
- ![SIDE](/listings/photos/174785864/137900) - SIDE
- ![SIDE](/listings/photos/174785864/137902) - SIDE
- ![ENTRANCE HALL](/listings/photos/174785864/137904) - ENTRANCE HALL
- ![ENTRANCE HALL](/listings/photos/174785864/137906) - ENTRANCE HALL
- ![ENTRANCE HALL](/listings/photos/174785864/137908) - ENTRANCE HALL
- ![LOUNGE](/listings/photos/174785864/137909) - LOUNGE
- ![LOUNGE](/listings/photos/174785864/137911) - LOUNGE
- ![LOUNGE](/listings/photos/174785864/137913) - LOUNGE
- ![DINING AREA](/listings/photos/174785864/137915) - DINING AREA
- ![DINING AREA](/listings/photos/174785864/137917) - DINING AREA
- ![KITCHEN AREA](/listings/photos/174785864/137919) - KITCHEN AREA
- ![KITCHEN AREA](/listings/photos/174785864/137921) - KITCHEN AREA
- ![UTILITY / W.C.](/listings/photos/174785864/137923) - UTILITY / W.C.
- ![LANDING](/listings/photos/174785864/137924) - LANDING
- ![LANDING](/listings/photos/174785864/137926) - LANDING
- ![BEDROOM 1 FRONT](/listings/photos/174785864/137928) - BEDROOM 1 FRONT
- ![EN SUITE](/listings/photos/174785864/137929) - EN SUITE
- ![BEDROOM 3 REAR](/listings/photos/174785864/137931) - BEDROOM 3 REAR
- ![BEDROOM 2 FRONT](/listings/photos/174785864/137933) - BEDROOM 2 FRONT

## Floorplans

- ![Floorplan 1](/listings/photos/174785864/137935) - Floorplan 1

## EPC Graphs

- ![Energy Performance Certificate](/listings/photos/174785864/137937) - Energy Performance Certificate

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 55 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £325,000 | 01/10/2024 | Detached |
| 55 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £278,000 | 18/12/2020 | Detached |
| 55 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £259,995 | 22/12/2016 | 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 |
|---------|-------|------|------|
| [Same street] 109 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £300,000 | 20/11/2025 | Semi-detached |
| [Same street] 23 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £132,500 | 27/10/2023 | Terraced |
| [Same street] 97 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £79,200 | 29/09/2023 | Terraced |
| 16 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £449,000 | 12/12/2022 | Detached |
| 14 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £579,995 | 09/12/2022 | Detached |
| 18 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £599,995 | 09/12/2022 | Detached |
| 12 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £389,995 | 10/11/2022 | Detached |
| 10 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £404,995 | 31/10/2022 | Detached |
| 8 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £556,000 | 31/10/2022 | Detached |
| 7 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £369,995 | 21/10/2022 | Detached |
| 2 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £379,995 | 21/10/2022 | Detached |
| [Same street] 21 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £250,000 | 14/10/2022 | Terraced |
| 5 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £365,995 | 29/09/2022 | Detached |
| 3 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £569,995 | 26/08/2022 | Detached |
| 1 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP | £409,995 | 22/08/2022 | Detached |
| LOACHBROOK HOUSE, 9 HORNBEAM WALK, CONGLETON, CHESHIRE EAST, CW12 4QZ | £315,000 | 26/05/2022 | Detached |
| [Same street] 33 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £110,000 | 04/04/2022 | Semi-detached |
| [Same street] 61 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF | £420,000 | 31/03/2022 | Detached |
| 4 OAKLEIGH COURT, CONGLETON, CHESHIRE EAST, CW12 4NP | £412,500 | 18/02/2022 | Detached |
| 21 OAK TREE AVENUE, CONGLETON, CHESHIRE EAST, CW12 4QF | £515,000 | 18/02/2022 | Detached |
| 12 OAK TREE AVENUE, CONGLETON, CHESHIRE EAST, CW12 4QF | £485,000 | 20/12/2021 | Detached |
| 40 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4DE | £375,000 | 29/11/2021 | Detached |
| 52 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4DE | £447,500 | 30/09/2021 | Detached |
| 81 SANDBACH ROAD, CONGLETON, CHESHIRE EAST, CW12 4TF | £340,000 | 22/09/2021 | Detached |

**Street average:** £215,283 (6 sales)
**Area average:** £442,553 (18 sales)

## Price vs local average

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

- **Local average:** £424,190 (91 Detached, CW12, 2024–2026)
- **Deviation:** -19.8%

## Rental Range

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

- **Low:** £878/mo
- **Realistic:** £975/mo
- **Optimistic:** £1,073/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £693/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 |
|------|------|------|------|------|
| [Loachbrook Farm Way, Congleton, CW12](http://87.117.209.195:8080/listings/7973c23) | £1,300/mo | 3 | 0.13 miles | Rightmove |
| [Pine Way, Somerford, Congleton](http://87.117.209.195:8080/listings/4017615) | £1,200/mo | 3 | 0.47 miles | Rightmove |
| [Burgess Place, Congleton, CW12](http://87.117.209.195:8080/listings/4cadafa) | £1,400/mo | 3 | 0.88 miles | Rightmove |
| [Wallhill Lane, Brownlow, CW12](http://87.117.209.195:8080/listings/3894533) | £1,500/mo | 3 | 1.21 miles | Rightmove |
| [Giantswood Lane, Somerford Booths](http://87.117.209.195:8080/listings/4d4d99b) | £1,900/mo | 3 | 1.67 miles | Rightmove |
| [Canal Road, Congleton, CW12](http://87.117.209.195:8080/listings/5f94ea5) | £1,300/mo | 3 | 2.08 miles | Rightmove |
| [Dobson Way, Congleton, CW12](http://87.117.209.195:8080/listings/bef992e) | £2,200/mo | 3 | 2.1 miles | Rightmove |
| [Moss Road, Astbury, CW12](http://87.117.209.195:8080/listings/94bcc99) | £1,500/mo | 3 | 2.24 miles | Rightmove |
| [Annan Close, Congleton](http://87.117.209.195:8080/listings/248943e) | £1,300/mo | 3 | 2.34 miles | Rightmove |
| [Brindley Way, Congleton, CW12](http://87.117.209.195:8080/listings/f582d20) | £1,795/mo | 3 | 2.68 miles | Rightmove |
| [Boundary Lane, Congleton](http://87.117.209.195:8080/listings/5b678eb) | £1,350/mo | 3 | 2.75 miles | Rightmove |
| [Overton Road, Congleton, CW12](http://87.117.209.195:8080/listings/8396a46) | £1,350/mo | 3 | 4.02 miles | Rightmove |
| [Congleton, Staffordshire](http://87.117.209.195:8080/listings/d9636ca) | £2,000/mo | 3 | 4.58 miles | Rightmove |

**Average rent: £1,546/mo (13 listings)**

## 1% Rule

- **Rent ratio:** 0.41% (weak for cashflow)
- **Max investor price (0.8%):** £175,000
- **Target investor price (1%):** £140,000

*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 £1,400/mo).*

- **Gross yield:** 4.9%
- **Cost-to-rent:** 20.2×
- **Monthly cashflow:** £-104/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.3%

*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).*

## Price per Square Metre

- **£/m²:** £3,820/m²

## Capital growth trend

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

- **5y growth:** 25.8%
- **10y growth:** 60%

## House Price Index (HM Land Registry)

*Official index for Cheshire East; Detached series; as of March 2026.*

- **1y growth (index):** 1.6%
- **5y growth (index):** 23.6%
- **10y growth (index):** 51.5%

## 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 LOUNGE KITCHEN AREA DINING AREA BEDROOM 1 FRONT BATHROOM SIDE AERIAL VIEW BEDROOM 2 FRONT FRONT SIDE PLOT SIDE SIDE SIDE ENTRANCE HALL ENTRANCE HALL ENTRANCE HALL LOUNGE LOUNGE LOUNGE DINING AREA DINING AREA KITCHEN AREA KITCHEN AREA UTILITY / W.C. LANDING LANDING BEDROOM 1 FRONT EN SUITE BEDROOM 3 REAR BEDROOM 2 FRONT

/ 32

Property details

Tenure

FREEHOLD

Floor area

89 m²

Council tax band

EPC rating

Last sold

£325,000 Oct 2024

Price per m²

£3,820/m²

Local average

£424,190 (-19.8%)

Street crime

31 incidents within 1 mile (Apr 2026)

Key features

ATTRACTIVE MODERN DETACHED HOME ON CORNER PLOT
CONSTRUCTED IN RECENT YEARS
THREE BEDROOMS / TWO BATHROOMS
AMPLE PARKING & GARAGE
ENCLOSED REAR GARDEN
POPULAR AREA OF CONGLETON

Additional details

Parking: Yes
Garden: Yes

Description

Attractive nicely situated corner plot three bedroom family home within a popular modern development on the outskirts of Congleton.

This home is within walking distance of good schools and West Heath shopping centre whilst being within seconds of the surrounding countryside.

Congleton offers a range of fantastic restaurants, bars and independently owned shops with regular local events and activities. Good transport links are provided via Congleton train station, several bus routes and proximity to both the M6 motorway and A500.

In brief this gas centrally heated and PVCu double glazed home comprises of a kitchen diner, sitting room and utility/W.C. to the ground floor and three good sized bedrooms, ensuite and family bathroom on the first floor.

Externally there is a front garden laid to lawn behind a low level hedge, Riverstone hardstanding for further car parking and path to the front door. There is an enclosed lawned garden with timber decking area and gate.

We anticipate a significant level of interest on this great family home so call us soon to make a viewing. In the meantime please view our video.

Listed by

Congleton

Timothy A Brown Ltd

Reference: 174785864

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: A

Inspection date: 20/12/2016

Current heating cost: £260/year

Potential heating cost: £262/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

Floorplan 1

EPC Graphs

Energy Performance Certificate

Price history

25% since 2016

Event	Date	Price	% change
Listed for sale	—	£340,000	+4.6%
Sold	01/10/2024 (1 year ago)	£325,000	+16.9%
Sold	18/12/2020 (5 years ago)	£278,000	+6.9%
Sold	22/12/2016 (9 years ago)	£259,995	—

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
Same street 109 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF	£300,000	20/11/2025	Semi-detached
Same street 23 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF	£132,500	27/10/2023	Terraced
Same street 97 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF	£79,200	29/09/2023	Terraced
16 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£449,000	12/12/2022	Detached
14 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£579,995	09/12/2022	Detached
18 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£599,995	09/12/2022	Detached
12 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£389,995	10/11/2022	Detached
10 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£404,995	31/10/2022	Detached
8 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£556,000	31/10/2022	Detached
7 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£369,995	21/10/2022	Detached
2 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£379,995	21/10/2022	Detached
Same street 21 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF	£250,000	14/10/2022	Terraced
5 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£365,995	29/09/2022	Detached
3 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£569,995	26/08/2022	Detached
1 BILBERRY WAY, CONGLETON, CHESHIRE EAST, CW12 4YP	£409,995	22/08/2022	Detached
LOACHBROOK HOUSE, 9 HORNBEAM WALK, CONGLETON, CHESHIRE EAST, CW12 4QZ	£315,000	26/05/2022	Detached
Same street 33 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF	£110,000	04/04/2022	Semi-detached
Same street 61 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4BF	£420,000	31/03/2022	Detached
4 OAKLEIGH COURT, CONGLETON, CHESHIRE EAST, CW12 4NP	£412,500	18/02/2022	Detached
21 OAK TREE AVENUE, CONGLETON, CHESHIRE EAST, CW12 4QF	£515,000	18/02/2022	Detached
12 OAK TREE AVENUE, CONGLETON, CHESHIRE EAST, CW12 4QF	£485,000	20/12/2021	Detached
40 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4DE	£375,000	29/11/2021	Detached
52 LOACHBROOK FARM WAY, CONGLETON, CHESHIRE EAST, CW12 4DE	£447,500	30/09/2021	Detached
81 SANDBACH ROAD, CONGLETON, CHESHIRE EAST, CW12 4TF	£340,000	22/09/2021	Detached

Street average: £215,283 (6 sales)

Area average: £442,553 (18 sales)

Capital growth trend

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

5y growth 25.8%

10y growth 60%

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

1y (index) 1.6%

5y (index) 23.6%

10y (index) 51.5%

Rental Range

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

Low £878/mo

Realistic £975/mo

Optimistic £1,073/mo

Based on Local Authority from postcode lookup → Cheshire East.

LHA (30th percentile) floor for Oldham & Rochdale: £693/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CW12 4BF

Nearby

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

Type	Name	Distance
Bus stop	West Heath, Sandbach Road / Field View Road	0.0 miles
Shop	Home Bargains	0.6 miles
Shop	Constantinos	0.6 miles
Hospital	Congleton War Memorial Hospital	2.0 miles
Train station	Congleton	2.4 miles
Train station	Holmes Chapel	4.8 miles
Hospital	John Munroe Hospital	7.5 miles
University	University of Buckingham Crewe Campus	8.6 miles
University	Buxton & Leek College	10.2 miles

Street-level crime

Category	Count
Violence and sexual offences	21
Shoplifting	4
Other crime	2
Bicycle theft	1
Criminal damage and arson	1
Drugs	1
Public order	1
Total incidents	31

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
Congleton High School	Secondary	0.2 miles	Good — 15 Jan 2015
The Quinta Primary School	Primary	0.4 miles	Good — 12 Sep 2023
Black Firs Primary School	Primary	0.5 miles	Good — 27 Nov 2013
Aidenswood School	Other	1.1 miles	Good — 24 Apr 2024
Astbury St Mary's CofE Primary School	Primary	1.2 miles	Good — 3 May 2023

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
Loachbrook Farm Way, Congleton, CW12	£1,300/mo	3	0.13 miles	Rightmove
Pine Way, Somerford, Congleton	£1,200/mo	3	0.47 miles	Rightmove
Burgess Place, Congleton, CW12	£1,400/mo	3	0.88 miles	Rightmove
Wallhill Lane, Brownlow, CW12	£1,500/mo	3	1.21 miles	Rightmove
Giantswood Lane, Somerford Booths	£1,900/mo	3	1.67 miles	Rightmove
Canal Road, Congleton, CW12	£1,300/mo	3	2.08 miles	Rightmove
Dobson Way, Congleton, CW12	£2,200/mo	3	2.1 miles	Rightmove
Moss Road, Astbury, CW12	£1,500/mo	3	2.24 miles	Rightmove
Annan Close, Congleton	£1,300/mo	3	2.34 miles	Rightmove
Brindley Way, Congleton, CW12	£1,795/mo	3	2.68 miles	Rightmove
Boundary Lane, Congleton	£1,350/mo	3	2.75 miles	Rightmove
Overton Road, Congleton, CW12	£1,350/mo	3	4.02 miles	Rightmove
Congleton, Staffordshire	£2,000/mo	3	4.58 miles	Rightmove

Average rent: £1,546/mo (13 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 6.8% gross yield avg £230,957 sale, £1,300/mo rent

Rent ratio 0.41%

Max investor price (0.8%) £175,000

Target investor price (1%) £140,000

Gross yield 4.9%

Cost-to-rent ratio 20.2×

Monthly cashflow £-104/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.3%

This street — Gross yield for this street only (Land Registry sales + rental comparables, same postcode + street).
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).