Sold Flat

FLAT 56

30 ADDISCOMBE GROVE, CROYDON, GREATER LONDON CR0 5BX

1 beds 1 baths 39 m² Listed 8 Oct 2024 (-613d)

£232,000

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# 1 bedroom flat for sale (CR0 5BX)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 56, 30 ADDISCOMBE GROVE, CROYDON, GREATER LONDON CR0 5BX |
| Price | £232,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Last sold | £205,000 Sep 2024 |

## Description

Own 100% of your home for 20% less!

Addiscombe Grove CR0, offering one bedroom discounted homes.

All homes will benefit from access to a 9th floor landscaped Social Garden, 20th floor Nordic Garden and 21st floor Hidden Garden - all with fantastic views over south London - as well as a residents' lounge, a co-working space and a wellness room, all equipped with Hyperoptic Wi-Fi.

With an EPC rating of B, these homes qualify for green mortgages - save money on your mortgage rates!

Award-winning developer Pocket Living's scheme is located just a two minute walk from East Croydon station, providing speedy transport links into central London as well as links across south London via the Tramlink service. Sitting alongside East Croydon station is the ever-vibrant Boxpark Croydon, offering modern street food, fine dining and craft drinks just around the corner from Addiscombe Grove CR0.

Just a few minutes' walk away, Croydon High Street and the Whitgift Centre offer plenty of shops and restaurants; walk a little further and you can enjoy the green spaces of Park Hill Park and Wandle Park.

At Pocket Living we build homes for people we call city makers. These are the Londoners who contribute economically, socially and culturally to the day-to-day life of the capital. We're particularly keen to help local first time buyers on modest incomes. Pocket homes are discounted by at least 20% to the local market, allowing Pocket owners to own 100% of their home at a discounted price.

To be eligible to purchase a Pocket home at this scheme, buyers will need to:

* Live or work in any London Borough

* Have a household income of no more than £90,000 per annum

* Be a first time buyer

Addiscombe Grove CR0 is a car-free development, and homeowners will not be able to apply for a parking permit.

These homes will come with a 123-year lease and a Residents Management Company (RMC) will be formed by the Managing Agent, of which all homeowners will become members; some homeowners may choose to become Directors of the RMC. A communal boiler delivers heating and hot water; each resident will be billed according to their own controlled usage and cannot change gas suppliers. Wiring for Sky+/Sky Q, BT telephone and BT Openreach Fibre and residents will receive a Hyperoptic Wi-Fi installed with a 3-month free service. When the time comes to resell a Pocket home, you will initially have to try to find a buyer who meets the eligibility criteria. Subletting is only permitted in extenuating circumstances. Images are of a typical Pocket home at Addiscombe Grove CR0.

## Property Photos

- ![Pocket showhome](/listings/photos/153497645/416004) - Pocket showhome
- ![Roof terrace](/listings/photos/153497645/416005) - Roof terrace
- ![Pocket showhome](/listings/photos/153497645/416006) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416007) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416008) - Pocket showhome
- ![Photo](/listings/photos/153497645/416009)
- ![Residents lounge ](/listings/photos/153497645/416010) - Residents lounge 
- ![Pocket showhome](/listings/photos/153497645/416011) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416012) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416013) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416014) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416015) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416016) - Pocket showhome
- ![Pocket showhome](/listings/photos/153497645/416017) - Pocket showhome

## Floorplans

- ![Floorplan](/listings/photos/153497645/416018) - Floorplan

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 30 FLAT 56 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £205,000 | 20/09/2024 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| HARRINGTON COURT 25 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF | £218,000 | 22/12/2025 | Flat |
| [Same street] 30 FLAT 18 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £264,000 | 21/12/2023 | Flat |
| [Same street] 30 FLAT 48 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £243,000 | 20/12/2023 | Flat |
| 9 GARRICK CRESCENT, CROYDON, GREATER LONDON, CR0 5PW | £307,500 | 19/12/2023 | Flat |
| [Same street] 30 FLAT 3 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £230,000 | 01/12/2023 | Flat |
| HARRINGTON COURT 35 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF | £165,000 | 26/09/2023 | Flat |
| HARRINGTON COURT 33 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF | £195,000 | 05/01/2023 | Flat |
| [Same street] 30 FLAT 17 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £242,000 | 30/11/2022 | Flat |
| [Same street] 30 FLAT 43 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £260,000 | 08/11/2022 | Flat |
| [Same street] 30 FLAT 36 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £264,000 | 31/10/2022 | Flat |
| [Same street] 30 FLAT 55 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £272,000 | 28/10/2022 | Flat |
| 30 FLAT 80 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY | £266,000 | 28/10/2022 | Flat |
| 30 FLAT 78 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY | £274,000 | 26/10/2022 | Flat |
| 30 FLAT 101 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY | £276,000 | 15/09/2022 | Flat |
| [Same street] 30 FLAT 23 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £266,000 | 02/09/2022 | Flat |
| ST. NICHOLAS HOUSE, 4 FLAT 8 PARK HILL ROAD, CROYDON, GREATER LONDON, CR0 5NA | £350,000 | 30/08/2022 | Flat |
| [Same street] 30 FLAT 42 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £278,000 | 05/08/2022 | Flat |
| [Same street] 30 FLAT 6 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £272,000 | 13/07/2022 | Flat |
| HARRINGTON COURT 56 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF | £155,000 | 09/05/2022 | Flat |
| HARRINGTON COURT 19 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LE | £125,000 | 29/04/2022 | Flat |
| [Same street] 30 FLAT 31 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £268,000 | 14/04/2022 | Flat |
| [Same street] 30 FLAT 57 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £272,000 | 13/04/2022 | Flat |
| [Same street] 30 FLAT 60 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £268,000 | 13/04/2022 | Flat |
| 30 FLAT 89 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY | £274,000 | 12/04/2022 | Flat |
| [Same street] 30 FLAT 45 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £270,000 | 01/04/2022 | Flat |
| [Same street] 30 FLAT 28 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX | £268,000 | 31/03/2022 | Flat |
| 30 FLAT 94 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY | £278,000 | 31/03/2022 | Flat |
| CARNOUSTIE COURT, 17 FLAT 17 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5LR | £250,000 | 11/02/2022 | Flat |
| HARRINGTON COURT 21 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LE | £240,000 | 25/10/2021 | Flat |
| 6 GARRICK CRESCENT, CROYDON, GREATER LONDON, CR0 5PW | £326,000 | 30/09/2021 | Flat |
| HARRINGTON COURT 52 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF | £180,000 | 27/08/2021 | Flat |
| 28 GARRICK CRESCENT, CROYDON, GREATER LONDON, CR0 5PW | £225,000 | 07/07/2021 | Flat |

**Street average:** £262,467 (15 sales)
**Area average:** £241,441 (17 sales)

## Price vs local average

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

- **Local average:** £261,569 (163 Flat, CR0, 2024–2026)
- **Deviation:** -11.3%

## Rental Range

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

- **Low:** £1,409/mo
- **Realistic:** £1,565/mo
- **Optimistic:** £1,722/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £947/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 |
|------|------|------|------|------|
| Studio Flat, Woodstock Road, CR0 | £947/mo | 1 | 0.39 miles | OpenRent |
| Studio Flat, High Street, CR0 | £950/mo | 1 | 0.45 miles | OpenRent |
| Studio Flat, High St, CR0 | £975/mo | 1 | 0.45 miles | OpenRent |

**Average rent: £957/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.41% (weak for cashflow)
- **Max investor price (0.8%):** £118,750
- **Target investor price (1%):** £95,000

*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 £950/mo).*

- **Gross yield:** 4.9%
- **Cost-to-rent:** 20.4×
- **Monthly cashflow:** £-84/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1.5%

*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:** -13%
- **10y growth:** -0.1%

## House Price Index (HM Land Registry)

*Official index for Croydon; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** -6.3%
- **5y growth (index):** -8.2%
- **10y growth (index):** 2.8%

## 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)

Pocket showhome Roof terrace Pocket showhome Pocket showhome Pocket showhome Photo 6 Residents lounge Pocket showhome Pocket showhome Pocket showhome Pocket showhome Pocket showhome Pocket showhome Pocket showhome

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Property details

Tenure

LEASEHOLD (123 years remaining on lease)

Floor area

39 m²

Last sold

£205,000 Sep 2024

Local average

£261,569 (-11.3%)

Street crime

1232 incidents within 1 mile (Apr 2026)

Key features

Own 100% of your home for 20% less
Own New Rate Reducer incentive available!
On-site concierge
Three roof terraces with far reaching views
Residents lounge and co-working space with Hyperoptic Wi-Fi
We welcome well-behaved pets!
Direct trains to Victoria and London Bridge stations
2 minute walk to East Croydon station

Additional details

Heating: Double glazing, Central
Accessibility: Lift access
Parking: Yes
Garden: Terrace

Description

Own 100% of your home for 20% less!

Addiscombe Grove CR0, offering one bedroom discounted homes.

All homes will benefit from access to a 9th floor landscaped Social Garden, 20th floor Nordic Garden and 21st floor Hidden Garden - all with fantastic views over south London - as well as a residents' lounge, a co-working space and a wellness room, all equipped with Hyperoptic Wi-Fi.

With an EPC rating of B, these homes qualify for green mortgages - save money on your mortgage rates!

Award-winning developer Pocket Living's scheme is located just a two minute walk from East Croydon station, providing speedy transport links into central London as well as links across south London via the Tramlink service. Sitting alongside East Croydon station is the ever-vibrant Boxpark Croydon, offering modern street food, fine dining and craft drinks just around the corner from Addiscombe Grove CR0.

Just a few minutes' walk away, Croydon High Street and the Whitgift Centre offer plenty of shops and restaurants; walk a little further and you can enjoy the green spaces of Park Hill Park and Wandle Park.

At Pocket Living we build homes for people we call city makers. These are the Londoners who contribute economically, socially and culturally to the day-to-day life of the capital. We're particularly keen to help local first time buyers on modest incomes. Pocket homes are discounted by at least 20% to the local market, allowing Pocket owners to own 100% of their home at a discounted price.

To be eligible to purchase a Pocket home at this scheme, buyers will need to:

* Live or work in any London Borough
* Have a household income of no more than £90,000 per annum
* Be a first time buyer

Addiscombe Grove CR0 is a car-free development, and homeowners will not be able to apply for a parking permit.

These homes will come with a 123-year lease and a Residents Management Company (RMC) will be formed by the Managing Agent, of which all homeowners will become members; some homeowners may choose to become Directors of the RMC. A communal boiler delivers heating and hot water; each resident will be billed according to their own controlled usage and cannot change gas suppliers. Wiring for Sky+/Sky Q, BT telephone and BT Openreach Fibre and residents will receive a Hyperoptic Wi-Fi installed with a 3-month free service. When the time comes to resell a Pocket home, you will initially have to try to find a buyer who meets the eligibility criteria. Subletting is only permitted in extenuating circumstances. Images are of a typical Pocket home at Addiscombe Grove CR0.

Listed by

Addiscombe Grove CR0

Pocket Living Limited

Reference: 153497645

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

Price history

Event	Date	Price	% change
Sold	20/09/2024 (1 year ago)	£205,000	—

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
HARRINGTON COURT 25 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF	£218,000	22/12/2025	Flat
Same street 30 FLAT 18 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£264,000	21/12/2023	Flat
Same street 30 FLAT 48 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£243,000	20/12/2023	Flat
9 GARRICK CRESCENT, CROYDON, GREATER LONDON, CR0 5PW	£307,500	19/12/2023	Flat
Same street 30 FLAT 3 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£230,000	01/12/2023	Flat
HARRINGTON COURT 35 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF	£165,000	26/09/2023	Flat
HARRINGTON COURT 33 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF	£195,000	05/01/2023	Flat
Same street 30 FLAT 17 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£242,000	30/11/2022	Flat
Same street 30 FLAT 43 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£260,000	08/11/2022	Flat
Same street 30 FLAT 36 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£264,000	31/10/2022	Flat
Same street 30 FLAT 55 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£272,000	28/10/2022	Flat
30 FLAT 80 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY	£266,000	28/10/2022	Flat
30 FLAT 78 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY	£274,000	26/10/2022	Flat
30 FLAT 101 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY	£276,000	15/09/2022	Flat
Same street 30 FLAT 23 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£266,000	02/09/2022	Flat
ST. NICHOLAS HOUSE, 4 FLAT 8 PARK HILL ROAD, CROYDON, GREATER LONDON, CR0 5NA	£350,000	30/08/2022	Flat
Same street 30 FLAT 42 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£278,000	05/08/2022	Flat
Same street 30 FLAT 6 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£272,000	13/07/2022	Flat
HARRINGTON COURT 56 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF	£155,000	09/05/2022	Flat
HARRINGTON COURT 19 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LE	£125,000	29/04/2022	Flat
Same street 30 FLAT 31 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£268,000	14/04/2022	Flat
Same street 30 FLAT 57 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£272,000	13/04/2022	Flat
Same street 30 FLAT 60 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£268,000	13/04/2022	Flat
30 FLAT 89 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY	£274,000	12/04/2022	Flat
Same street 30 FLAT 45 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£270,000	01/04/2022	Flat
Same street 30 FLAT 28 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BX	£268,000	31/03/2022	Flat
30 FLAT 94 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5BY	£278,000	31/03/2022	Flat
CARNOUSTIE COURT, 17 FLAT 17 ADDISCOMBE GROVE, CROYDON, GREATER LONDON, CR0 5LR	£250,000	11/02/2022	Flat
HARRINGTON COURT 21 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LE	£240,000	25/10/2021	Flat
6 GARRICK CRESCENT, CROYDON, GREATER LONDON, CR0 5PW	£326,000	30/09/2021	Flat
HARRINGTON COURT 52 ALTYRE ROAD, CROYDON, GREATER LONDON, CR0 5LF	£180,000	27/08/2021	Flat
28 GARRICK CRESCENT, CROYDON, GREATER LONDON, CR0 5PW	£225,000	07/07/2021	Flat

Street average: £262,467 (15 sales)

Area average: £241,441 (17 sales)

Capital growth trend

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

5y growth -13%

10y growth -0.1%

House Price Index (HM Land Registry — official index, not sold-price averages): Croydon. Series: Flats and maisonettes. As of March 2026.

1y (index) -6.3%

5y (index) -8.2%

10y (index) 2.8%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: SOUTHERN HOUSING (8983)

Rental Range

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

Low £1,409/mo

Realistic £1,565/mo

Optimistic £1,722/mo

Based on Local Authority from postcode lookup → Croydon.

LHA (30th percentile) floor for Outer South London: £947/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CR0 5BX

Nearby

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

Type	Name	Distance
Shop	Sainsbury's Local	0.1 miles
Bus stop	East Croydon Bus Station	0.1 miles
Shop	Timpson	0.1 miles
Train station	East Croydon	0.1 miles
Train station	West Croydon	0.6 miles
Hospital	Diabetic Department	1.3 miles
Hospital	Patient Advice and Liaison Service (PALS)	1.3 miles
University	Horton Halls Reception	5.7 miles
University	University of Wales Trinity Saint David London Campus	7.3 miles

Street-level crime

Category	Count
Violence and sexual offences	321
Anti-social behaviour	273
Shoplifting	169
Vehicle crime	82
Drugs	69
Public order	66
Other theft	62
Criminal damage and arson	53
Burglary	47
Theft from the person	25
Robbery	23
Possession of weapons	22
Other crime	11
Bicycle theft	9
Total incidents	1232

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
Ark Oval Primary Academy	Primary	0.3 miles	Good — 11 Jan 2013
Park Hill Infant School	Primary	0.3 miles	Outstanding — 14 Dec 2023
Croydon College	Other	0.3 miles	— (No rating)
Park Hill Junior School	Primary	0.3 miles	Outstanding — 28 Jun 2023
Al-Khair Secondary Girls	Other	0.3 miles	Good — 9 Jul 2024

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
Studio Flat, Woodstock Road, CR0	£947/mo	1	0.39 miles	OpenRent
Studio Flat, High Street, CR0	£950/mo	1	0.45 miles	OpenRent
Studio Flat, High St, CR0	£975/mo	1	0.45 miles	OpenRent

Average rent: £957/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.41%

Max investor price (0.8%) £118,750

Target investor price (1%) £95,000

Gross yield 4.9%

Cost-to-rent ratio 20.4×

Monthly cashflow £-84/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1.5%

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).