Sold STC Terraced

4 LADYSMITH ROAD

GRIMSBY, NORTH EAST LINCOLNSHIRE DN32 9EF

3 beds 926 sq ft Listed 2 Oct 2014 (-4286d)

£45,000

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# 3 bedroom terraced house for sale (DN32 9EF)

## Property Details

| Key | Value |
|-----|-------|
| Address | 4 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE DN32 9EF |
| Price | £45,000 |
| Bedrooms | 3 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 86 m² |
| Last sold | £40,000 Oct 2014 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 24/03/2036
- **Est. upgrade cost to C:** £18,380

### Recommendations
- Q (£7,500 - £11,000)
- E (£120 - £140)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2318-9581-5713-8141-5146)

## Description

**Front garden**

The front garden has low walls to the front boundary and neighbouring properties and is concreted for easy maintenance with access via a wrought iron gate.

**Entrance**

Entrance is via a wooden door with fan light to the inner porch and a further wooden bow fronted door with obscured glass to the hall. Having central heating radiator and door leading to the sitting room and stairs to the first floor.

**Sitting Room**

3.02m (9' 11") x 3.45m (11' 4")

A light and airy sitting room with Upvc window to the front elevation and wooden glass panelled double sliding doors with fan light leading to the lounge, High shelving on two sides and central heating radiator.

**Lounge**

3.71m (12' 2") x 2.84m (9' 4")

Leading from the sitting room via double sliding doors there is a coal effect gas fire with tiled inset and decorative surround, Upvc window to the rear elevation, open under stairs storage area and central heating radiator.

**kitchen**

2.72m (8' 11") x 2.69m (8' 10")

Upvc window to the side elevation, sliding wooden door with obscured glass leading to the lobby area, having a range of wall and base units with a steel sink and drainer, mixer taps, central heating radiator, thermostat, boiler situated on the wall, space for fridge freezer, washing machine and cooker

**Lobby**

1.04m (3' 5") x 1.68m (5' 6")

Upvc door to the side elevation leading to the rear garden, storage cupboards and door leading to shower room.

**Shower Room**

1.37m (4' 6") x 2.74m (9' 0")

Upvc window to the rear elevation, vinyl flooring, central heating radiator, pedestal wash hand basin, low flush WC, shower cubical with electric shower, hand rail and pull down seat.

**First Floor Landing**

Split level landing, one step down to bedroom 3 then one step up for a further two bedrooms, loft access and storage cupboard.

**Bedroom 1**

3.45m (11' 4") x 3.76m (12' 4")

Upvc window to the front elevation, two wardrobes built in to the alcove both with double doors.

**Bedroom 2**

3.71m (12' 2") x 2.41m (7' 11")

Upvc window to the rear elevation, wardrobe built in to the alcove with double doors

**Bedroom 3**

2.74m (9' 0") x 3.93m (12' 11")

Upvc window to the rear elevation, central heating radiator, loft access, pitched ceiling and two built in wardrobes.

**Rear Garden**

Stepping out on to a paved area you have iron gated access with a path leading to the far end where you will find a timber constructed shed as well as a rear gate, the rest of the garden is predominately laid to lawn with walls to the boundaries.

**Tenure**

We believe the property to be FREEHOLD and are awaiting formal confirmation. All interested parties are advised to make their own enquires.

**Services**

All main services are available. The agents have not inspected or tested any of the services or service installations and purchasers should rely on their own survey.

**Viewings**

By prior appointment with Hunters office in Grimsby 01472 362020.

**Details**

Details Prepared August 2014

## Property Photos

- ![Front Elevation](/listings/photos/32471589/404002) - Front Elevation
- ![Lounge](/listings/photos/32471589/404003) - Lounge
- ![Sitting Room](/listings/photos/32471589/404004) - Sitting Room
- ![Kitchen](/listings/photos/32471589/404005) - Kitchen
- ![Bedroom Two](/listings/photos/32471589/404006) - Bedroom Two
- ![Bedroom One](/listings/photos/32471589/404007) - Bedroom One
- ![Rear Garden](/listings/photos/32471589/404009) - Rear Garden
- ![EPC](/listings/photos/32471589/404012) - EPC

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 4 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £40,000 | 29/10/2014 | 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 |
|---------|-------|------|------|
| 10 BULLER STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BL | £85,000 | 16/12/2025 | Terraced |
| 313 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY | £75,000 | 21/11/2025 | Terraced |
| 450 WEELSBY STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8DJ | £72,500 | 19/11/2025 | Terraced |
| 46 COOPER ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8DF | £63,000 | 24/09/2025 | Terraced |
| 306 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY | £53,000 | 29/08/2025 | Terraced |
| 73 ELEANOR STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8AF | £36,000 | 21/08/2025 | Terraced |
| [Same street] 10 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £65,000 | 11/07/2025 | Terraced |
| 260 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY | £72,500 | 25/04/2025 | Terraced |
| 31 EDWARD STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HJ | £65,000 | 18/02/2025 | Terraced |
| 260 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY | £35,000 | 03/02/2025 | Terraced |
| 83 EDWARD STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HL | £58,000 | 06/12/2024 | Terraced |
| 33 JULIAN STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BG | £39,000 | 14/12/2023 | Terraced |
| 242 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HX | £66,500 | 16/11/2023 | Terraced |
| 42 COOPER ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8DF | £92,950 | 30/10/2023 | Terraced |
| 449 WEELSBY STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BE | £79,000 | 20/10/2023 | Terraced |
| 84 DURBAN ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BA | £60,000 | 16/10/2023 | Terraced |
| 12 BULLER STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BL | £78,000 | 29/09/2023 | Terraced |
| 293 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY | £44,000 | 29/09/2023 | Terraced |
| 71 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EG | £62,000 | 21/09/2023 | Terraced |
| [Same street] 34 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £30,000 | 15/09/2023 | Terraced |
| [Same street] 34 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £25,000 | 15/09/2023 | Other |
| [Same street] 31 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £43,500 | 06/09/2023 | Terraced |
| 62 BULLER STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BW | £77,000 | 04/09/2023 | Terraced |
| 207 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HU | £68,000 | 01/08/2023 | Terraced |
| [Same street] 5 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £72,000 | 23/06/2023 | Terraced |
| [Same street] 1 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £109,000 | 08/11/2022 | Terraced |
| [Same street] 22 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £75,000 | 22/07/2022 | Terraced |
| [Same street] 25 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF | £46,000 | 04/03/2022 | Terraced |

**Street average:** £58,188 (8 sales)
**Area average:** £64,073 (20 sales)

## Price vs local average

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

- **Local average:** £75,693 (94 Terraced, DN32, 2024–2026)
- **Deviation:** -40.5%

## Rental Range

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

- **Low:** £556/mo
- **Realistic:** £618/mo
- **Optimistic:** £680/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £520/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 Terraced House, Eleanor St, DN32 | £715/mo | 3 | 0.17 miles | OpenRent |
| 3 Bed Terraced House, Fairmont Road, DN32 | £800/mo | 3 | 0.29 miles | OpenRent |

**Average rent: £758/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 1.68% (strong)
- **Max investor price (0.8%):** £94,750
- **Target investor price (1%):** £75,800

*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 £758/mo).*

- **Gross yield:** 20.2%
- **Cost-to-rent:** 5×
- **Monthly cashflow:** £480/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 44.1%

*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:** £523/m²

## Capital growth trend

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

- **5y growth:** -5.2%
- **10y growth:** 23.7%

## House Price Index (HM Land Registry)

*Official index for North East Lincolnshire; Terraced series; as of March 2026.*

- **1y growth (index):** 0.2%
- **5y growth (index):** 17.8%
- **10y growth (index):** 45.8%

## 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 Elevation Lounge Sitting Room Kitchen Bedroom Two Bedroom One Rear Garden EPC

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Property details

Floor area

86 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£40,000 Oct 2014

Price per m²

£523/m²

Local average

£75,693 (-40.5%)

Deprivation

Decile 1 (145 of 33,755)

Street crime

842 incidents within 1 mile (Apr 2026)

Key features

* Three bedroom
* Shower room
* Lounge, sitting room
* Enclosed rear garden
* Kitchen
* Ideal investment property
* EPC Rating - D

Additional details

Garden: Yes

Description

A fantastic opportunity for a first time buyer or investors , situated on Ladysmith road off Weelsby road and within easy reach of local amenities. Briefly comprising of three bedrooms, kitchen, lounge, sitting room and enclosed rear garden. This property is offered with no onward chain.
Front garden
The front garden has low walls to the front boundary and neighbouring properties and is concreted for easy maintenance with access via a wrought iron gate.

Entrance
Entrance is via a wooden door with fan light to the inner porch and a further wooden bow fronted door with obscured glass to the hall. Having central heating radiator and door leading to the sitting room and stairs to the first floor.

Sitting Room
3.02m (9' 11") x 3.45m (11' 4")
A light and airy sitting room with Upvc window to the front elevation and wooden glass panelled double sliding doors with fan light leading to the lounge, High shelving on two sides and central heating radiator.

Lounge
3.71m (12' 2") x 2.84m (9' 4")
Leading from the sitting room via double sliding doors there is a coal effect gas fire with tiled inset and decorative surround, Upvc window to the rear elevation, open under stairs storage area and central heating radiator.

kitchen
2.72m (8' 11") x 2.69m (8' 10")
Upvc window to the side elevation, sliding wooden door with obscured glass leading to the lobby area, having a range of wall and base units with a steel sink and drainer, mixer taps, central heating radiator, thermostat, boiler situated on the wall, space for fridge freezer, washing machine and cooker

Lobby
1.04m (3' 5") x 1.68m (5' 6")
Upvc door to the side elevation leading to the rear garden, storage cupboards and door leading to shower room.

Shower Room
1.37m (4' 6") x 2.74m (9' 0")
Upvc window to the rear elevation, vinyl flooring, central heating radiator, pedestal wash hand basin, low flush WC, shower cubical with electric shower, hand rail and pull down seat.

First Floor Landing
Split level landing, one step down to bedroom 3 then one step up for a further two bedrooms, loft access and storage cupboard.

Bedroom 1
3.45m (11' 4") x 3.76m (12' 4")
Upvc window to the front elevation, two wardrobes built in to the alcove both with double doors.

Bedroom 2
3.71m (12' 2") x 2.41m (7' 11")
Upvc window to the rear elevation, wardrobe built in to the alcove with double doors

Bedroom 3
2.74m (9' 0") x 3.93m (12' 11")
Upvc window to the rear elevation, central heating radiator, loft access, pitched ceiling and two built in wardrobes.

Rear Garden
Stepping out on to a paved area you have iron gated access with a path leading to the far end where you will find a timber constructed shed as well as a rear gate, the rest of the garden is predominately laid to lawn with walls to the boundaries.

Tenure
We believe the property to be FREEHOLD and are awaiting formal confirmation. All interested parties are advised to make their own enquires.

Services
All main services are available. The agents have not inspected or tested any of the services or service installations and purchasers should rely on their own survey.

Viewings
By prior appointment with Hunters office in Grimsby 01472 362020.

Details
Details Prepared August 2014

Listed by

Grimsby

Hunters Property Group Ltd

Reference: 32471589

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: C

Inspection date: 25/03/2026

Expiry date: 24/03/2036

Est. upgrade cost to C: £18,380

Recommendations

50 mm internal or external wall insulation (£7,500 - £11,000)
Low energy lighting for all fixed outlets (£120 - £140)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Price history

Event	Date	Price	% change
Sold	29/10/2014 (11 years ago)	£40,000	—

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
10 BULLER STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BL	£85,000	16/12/2025	Terraced
313 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY	£75,000	21/11/2025	Terraced
450 WEELSBY STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8DJ	£72,500	19/11/2025	Terraced
46 COOPER ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8DF	£63,000	24/09/2025	Terraced
306 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY	£53,000	29/08/2025	Terraced
73 ELEANOR STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8AF	£36,000	21/08/2025	Terraced
Same street 10 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£65,000	11/07/2025	Terraced
260 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY	£72,500	25/04/2025	Terraced
31 EDWARD STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HJ	£65,000	18/02/2025	Terraced
260 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY	£35,000	03/02/2025	Terraced
83 EDWARD STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HL	£58,000	06/12/2024	Terraced
33 JULIAN STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BG	£39,000	14/12/2023	Terraced
242 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HX	£66,500	16/11/2023	Terraced
42 COOPER ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8DF	£92,950	30/10/2023	Terraced
449 WEELSBY STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BE	£79,000	20/10/2023	Terraced
84 DURBAN ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BA	£60,000	16/10/2023	Terraced
12 BULLER STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BL	£78,000	29/09/2023	Terraced
293 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HY	£44,000	29/09/2023	Terraced
71 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EG	£62,000	21/09/2023	Terraced
Same street 34 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£30,000	15/09/2023	Terraced
Same street 34 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£25,000	15/09/2023	Other
Same street 31 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£43,500	06/09/2023	Terraced
62 BULLER STREET, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 8BW	£77,000	04/09/2023	Terraced
207 CONVAMORE ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9HU	£68,000	01/08/2023	Terraced
Same street 5 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£72,000	23/06/2023	Terraced
Same street 1 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£109,000	08/11/2022	Terraced
Same street 22 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£75,000	22/07/2022	Terraced
Same street 25 LADYSMITH ROAD, GRIMSBY, NORTH EAST LINCOLNSHIRE, DN32 9EF	£46,000	04/03/2022	Terraced

Street average: £58,188 (8 sales)

Area average: £64,073 (20 sales)

Capital growth trend

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

5y growth -5.2%

10y growth 23.7%

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

1y (index) 0.2%

5y (index) 17.8%

10y (index) 45.8%

Rental Range

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

Low £556/mo

Realistic £618/mo

Optimistic £680/mo

Based on Local Authority from postcode lookup → North East Lincolnshire.

LHA (30th percentile) floor for Grimsby: £520/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View DN32 9EF

Nearby

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

Type	Name	Distance
Shop	Grimsby Hydroponics	0.0 miles
Shop	GR8 Local	0.0 miles
Bus stop	Julian Street	0.1 miles
Bus stop	Durban Road	0.1 miles
Train station	Grimsby Town	0.7 miles
Train station	Grimsby Docks	0.7 miles
Hospital	St Hughs	0.9 miles
Hospital	Harrison House	1.0 miles
University	University Centre (University of Hull)	1.1 miles
University	University Centre Grimsby	1.2 miles

Street-level crime

Category	Count
Violence and sexual offences	279
Shoplifting	176
Public order	83
Anti-social behaviour	62
Criminal damage and arson	61
Other theft	50
Vehicle crime	33
Burglary	29
Drugs	19
Other crime	17
Possession of weapons	11
Bicycle theft	9
Robbery	9
Theft from the person	4
Total incidents	842

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
Edward Heneage Primary Academy	Primary	0.2 miles	Good — 11 Jun 2019
Saint Mary's Catholic Voluntary Academy	Primary	0.3 miles	Good — 23 Jun 2024
Special Educational Needs Support Service (Senss)	Other	0.3 miles	— (No rating)
Welholme Academy	Primary	0.3 miles	Good — 12 Jul 2017
Weelsby Academy	Primary	0.4 miles	Good — 21 Sep 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
3 Bed Terraced House, Eleanor St, DN32	£715/mo	3	0.17 miles	OpenRent
3 Bed Terraced House, Fairmont Road, DN32	£800/mo	3	0.29 miles	OpenRent

Average rent: £758/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.68%

Max investor price (0.8%) £94,750

Target investor price (1%) £75,800

Gross yield 20.2%

Cost-to-rent ratio 5×

Monthly cashflow £480/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 44.1%

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).