Sold STC Terraced

30 OXFORD STREET

ULVERSTON, CUMBRIA LA12 0AZ

2 beds 743 sq ft Listed 18 May 2010 (-5872d)

£110,000

Save

# 2 bedroom terraced house for sale (LA12 0AZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 30 OXFORD STREET, ULVERSTON, CUMBRIA LA12 0AZ |
| Price | £110,000 |
| Bedrooms | 2 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 69 m² |
| Last sold | £100,000 Aug 2010 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 06/04/2036
- **Est. upgrade cost to C:** £26,950

### Recommendations
- B (£900 - £1,500)
- Q (£7,500 - £11,000)
- W1 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/3236-5924-4600-0883-0202)

## Description

Entrance to the property is accessed via a timber door into the Entrance Hallway

Entrance Hallway

Multi-paned doors give access to the sitting room and lounge, staircase leading to the first floor. Radiator.

Sitting Room (3.3m x 2.9m)

Double glazed window to the front aspect. The central feature to the room is the fireplace with open grate. Central heating radiator, two recessed alcoves with shelving, coving, pendant ceiling light and power points.

Lounge (4m into recess alcove x 3.5m)

Double glazed window to the rear aspect, gas fire (not tested) with back boiler behind which heats the water system, central heating radiator, coving, pendant ceiling light, power points, TV aerial point, multi-paned door with access into the kitchen and further door down to the cellar.

Kitchen (2.4m x 2.3m)

Double glazed window to the side aspect, white fronted wall and base units, work surfaces incorporating a Ignis four ring electric  hob with built under oven, sink unit with single drainer, plumbing for automatic washing machine, pendant ceiling lamp shade, power points and door providing access to the rear yard.

From the hallway carpeted stairs leading to the first floor.

Bedroom One (4m x 3.3m)

Double glazed window to the front aspect, central heating radiator, pendant centre light point and power point.

Bedroom Two (3.6m x 1.9m)

Double glazed window to the rear aspect, central heating radiator, built in cupboard with access to the loft, pendant centre light point and power points.

Bathroom

Double glazed window with opaque glass to the rear aspect, comprises of a three piece suite to include bath with an Aquatronic shower, pedestal wash hand basin, cylinder tank and airing cupboard housing the hot water

Externally

Yard to rear with raised planting, up and over door and timber shed.

Directions

From our office on King Street, proceed along until reaching the traffic lights, here turn left onto the A590. Turn right onto Brogden Street, turn left onto Oxford Street. Proceed and number 30 is located on the left hand side.

Council Tax Band

To be confirmed by the vendor.

Tenure

We are informed by the vendor the tenure is Freehold.

Services

Mains water, gas and electricity are connected. Telephone subject to BT Regulations.

Fixtures and Fittings

To be confirmed by the vendor.

Viewing

Strictly through the sole agents, Cumbrian Properties Furness Ltd, 26 King Street, Ulverston, Cumbria, LA12 7DZ. Tel 01229 587283.

## Property Photos

- ![Photo](/listings/photos/15751404/601457)
- ![Photo](/listings/photos/15751404/601458)
- ![Photo](/listings/photos/15751404/601459)
- ![Photo](/listings/photos/15751404/601460)
- ![Photo](/listings/photos/15751404/601461)

## Floorplans

- ![Floorplan 1](/listings/photos/15751404/601462) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/15751404/601463) - EPC 1
- ![EPC 2](/listings/photos/15751404/601465) - EPC 2

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 30 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £100,000 | 26/08/2010 | 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 |
|---------|-------|------|------|
| 14 LIGHTBURN ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AU | £250,000 | 16/01/2026 | Terraced |
| 25 NEVILLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BJ | £320,000 | 17/12/2025 | Terraced |
| 23 ALEXANDER ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0DE | £370,000 | 02/10/2025 | Terraced |
| [Same street] 28 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £164,000 | 31/05/2024 | Terraced |
| [Same street] 20 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £160,000 | 21/02/2024 | Terraced |
| [Same street] 41 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £150,000 | 23/11/2023 | Terraced |
| 3 ARGYLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BD | £190,000 | 05/09/2023 | Terraced |
| [Same street] 7 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £208,000 | 18/08/2023 | Terraced |
| [Same street] 22 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £168,000 | 04/05/2023 | Terraced |
| 36 HARTLEY STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AN | £220,000 | 27/04/2023 | Terraced |
| [Same street] 34 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £190,000 | 10/03/2023 | Terraced |
| 14 TYSON SQUARE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BG | £175,000 | 19/12/2022 | Terraced |
| 5 HILL FALL, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BQ | £215,000 | 09/12/2022 | Terraced |
| 10 RICHMOND TERRACE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BU | £330,000 | 05/12/2022 | Terraced |
| 3 BRADDYLL TERRACE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DH | £410,000 | 31/10/2022 | Terraced |
| [Same street] 26 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ | £183,100 | 28/10/2022 | Terraced |
| 62 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £280,000 | 27/10/2022 | Terraced |
| THE LAURELS 5 BROGDEN STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AH | £290,000 | 29/09/2022 | Terraced |
| 10 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £305,000 | 14/09/2022 | Terraced |
| 8 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £300,000 | 25/07/2022 | Terraced |
| 11 ALEXANDER GARDENS, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DN | £185,000 | 28/06/2022 | Terraced |
| 20 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS | £125,000 | 01/06/2022 | Terraced |
| 59 LIGHTBURN AVENUE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DL | £290,000 | 20/05/2022 | Terraced |
| 4 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE | £295,000 | 17/05/2022 | Terraced |
| 58 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £227,000 | 06/05/2022 | Terraced |
| 46 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN | £220,000 | 28/02/2022 | Terraced |
| [Same street] 38 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £235,000 | 25/02/2022 | Terraced |
| 23 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS | £195,000 | 24/02/2022 | Terraced |
| [Same street] 33 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £185,000 | 17/02/2022 | Terraced |
| [Same street] 19 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £167,000 | 20/08/2021 | Terraced |
| [Same street] 25 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ | £127,500 | 20/08/2021 | Terraced |

**Street average:** £176,145 (11 sales)
**Area average:** £259,600 (20 sales)

## Price vs local average

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

- **Local average:** £182,721 (33 Terraced, LA12, 2024–2026)
- **Deviation:** -39.8%

## Rental Range

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

- **Low:** £856/mo
- **Realistic:** £951/mo
- **Optimistic:** £1,046/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £648/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 Detached House, Trinkeld Avenue, LA12 | £1,050/mo | 2 | 1.22 miles | OpenRent |

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

## 1% Rule

- **Rent ratio:** 0.95% (okay)
- **Max investor price (0.8%):** £131,250
- **Target investor price (1%):** £105,000

*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 £1,050/mo).*

- **Gross yield:** 11.5%
- **Cost-to-rent:** 8.7×
- **Monthly cashflow:** £487/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 18.3%

*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:** £1,594/m²

## Capital growth trend

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

- **5y growth:** 45.7%
- **10y growth:** 38.2%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -1%
- **5y growth (index):** 24.4%
- **10y growth (index):** 69.9%

## 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)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5

/ 5

Property details

Tenure

FREEHOLD

Floor area

69 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£100,000 Aug 2010

Price per m²

£1,594/m²

Local average

£182,721 (-39.8%)

Deprivation

Decile 5 (14,992 of 33,755)

Street crime

83 incidents within 1 mile (Apr 2026)

Additional details

Garden: Yes

Description

To the first floor there are two bedrooms and three piece bathroom. Externally there is a yard to rear with up and over door. The property would suit a first time buyer and is located within walking distance to the town. Offered for sale with vacant possession upon completion and no upper chain.
Entrance to the property is accessed via a timber door into the Entrance Hallway

Entrance Hallway
Multi-paned doors give access to the sitting room and lounge, staircase leading to the first floor. Radiator.

Sitting Room (3.3m x 2.9m)
Double glazed window to the front aspect. The central feature to the room is the fireplace with open grate. Central heating radiator, two recessed alcoves with shelving, coving, pendant ceiling light and power points.

Lounge (4m into recess alcove x 3.5m)
Double glazed window to the rear aspect, gas fire (not tested) with back boiler behind which heats the water system, central heating radiator, coving, pendant ceiling light, power points, TV aerial point, multi-paned door with access into the kitchen and further door down to the cellar.

Kitchen (2.4m x 2.3m)
Double glazed window to the side aspect, white fronted wall and base units, work surfaces incorporating a Ignis four ring electric hob with built under oven, sink unit with single drainer, plumbing for automatic washing machine, pendant ceiling lamp shade, power points and door providing access to the rear yard.

From the hallway carpeted stairs leading to the first floor.

Bedroom One (4m x 3.3m)
Double glazed window to the front aspect, central heating radiator, pendant centre light point and power point.

Bedroom Two (3.6m x 1.9m)
Double glazed window to the rear aspect, central heating radiator, built in cupboard with access to the loft, pendant centre light point and power points.

Bathroom
Double glazed window with opaque glass to the rear aspect, comprises of a three piece suite to include bath with an Aquatronic shower, pedestal wash hand basin, cylinder tank and airing cupboard housing the hot water

Externally
Yard to rear with raised planting, up and over door and timber shed.

Directions
From our office on King Street, proceed along until reaching the traffic lights, here turn left onto the A590. Turn right onto Brogden Street, turn left onto Oxford Street. Proceed and number 30 is located on the left hand side.

Council Tax Band
To be confirmed by the vendor.

Tenure
We are informed by the vendor the tenure is Freehold.

Services
Mains water, gas and electricity are connected. Telephone subject to BT Regulations.

Fixtures and Fittings
To be confirmed by the vendor.

Viewing
Strictly through the sole agents, Cumbrian Properties Furness Ltd, 26 King Street, Ulverston, Cumbria, LA12 7DZ. Tel 01229 587283.

Listed by

Ulverston

J H Homes

Reference: 15751404

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 07/04/2026

Expiry date: 06/04/2036

Est. upgrade cost to C: £26,950

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

Recommendations

Cavity wall insulation (£900 - £1,500)
50 mm internal or external wall insulation (£7,500 - £11,000)
Floor insulation (suspended floor) (£5,000 - £10,000)
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)

Floorplans

Floorplan 1

EPC Graphs

EPC 1

EPC 2

Price history

Event	Date	Price	% change
Sold	26/08/2010 (15 years ago)	£100,000	—

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
14 LIGHTBURN ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AU	£250,000	16/01/2026	Terraced
25 NEVILLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BJ	£320,000	17/12/2025	Terraced
23 ALEXANDER ROAD, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0DE	£370,000	02/10/2025	Terraced
Same street 28 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£164,000	31/05/2024	Terraced
Same street 20 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£160,000	21/02/2024	Terraced
Same street 41 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£150,000	23/11/2023	Terraced
3 ARGYLE STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0BD	£190,000	05/09/2023	Terraced
Same street 7 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£208,000	18/08/2023	Terraced
Same street 22 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£168,000	04/05/2023	Terraced
36 HARTLEY STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AN	£220,000	27/04/2023	Terraced
Same street 34 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£190,000	10/03/2023	Terraced
14 TYSON SQUARE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BG	£175,000	19/12/2022	Terraced
5 HILL FALL, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BQ	£215,000	09/12/2022	Terraced
10 RICHMOND TERRACE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0BU	£330,000	05/12/2022	Terraced
3 BRADDYLL TERRACE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DH	£410,000	31/10/2022	Terraced
Same street 26 OXFORD STREET, ULVERSTON, WESTMORLAND AND FURNESS, LA12 0AZ	£183,100	28/10/2022	Terraced
62 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN	£280,000	27/10/2022	Terraced
THE LAURELS 5 BROGDEN STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AH	£290,000	29/09/2022	Terraced
10 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE	£305,000	14/09/2022	Terraced
8 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE	£300,000	25/07/2022	Terraced
11 ALEXANDER GARDENS, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DN	£185,000	28/06/2022	Terraced
20 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS	£125,000	01/06/2022	Terraced
59 LIGHTBURN AVENUE, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DL	£290,000	20/05/2022	Terraced
4 ALEXANDER ROAD, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0DE	£295,000	17/05/2022	Terraced
58 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN	£227,000	06/05/2022	Terraced
46 HARTLEY STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AN	£220,000	28/02/2022	Terraced
Same street 38 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£235,000	25/02/2022	Terraced
23 COX STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AS	£195,000	24/02/2022	Terraced
Same street 33 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£185,000	17/02/2022	Terraced
Same street 19 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£167,000	20/08/2021	Terraced
Same street 25 OXFORD STREET, ULVERSTON, SOUTH LAKELAND, CUMBRIA, LA12 0AZ	£127,500	20/08/2021	Terraced

Street average: £176,145 (11 sales)

Area average: £259,600 (20 sales)

Capital growth trend

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

5y growth 45.7%

10y growth 38.2%

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

1y (index) -1%

5y (index) 24.4%

10y (index) 69.9%

Rental Range

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

Low £856/mo

Realistic £951/mo

Optimistic £1,046/mo

Based on Region from postcode lookup → North West.

LHA (30th percentile) floor for Kendal: £648/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View LA12 0AZ

Nearby

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

Type	Name	Distance
Shop	Devonshire Service Station	0.1 miles
Shop	DEL Bedroom, Bathroom & Kitchens	0.1 miles
Bus stop	Victoria Road Stand G	0.1 miles
Bus stop	Victoria Road Stand E	0.1 miles
Train station	Ulverston	0.3 miles
Train station	Dalton	4.4 miles
Hospital	Furness General Hospital	6.2 miles
Hospital	Millom Community Hospital	7.2 miles

Street-level crime

Category	Count
Violence and sexual offences	44
Public order	8
Criminal damage and arson	6
Shoplifting	6
Anti-social behaviour	5
Drugs	4
Other theft	4
Other crime	2
Possession of weapons	2
Bicycle theft	1
Vehicle crime	1
Total incidents	83

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
Sir John Barrow School	Primary	0.1 miles	Outstanding — 9 May 2023
St Mary's Catholic Primary School, Ulverston	Primary	0.3 miles	Good — 15 Dec 2010
Ulverston Victoria High School	Secondary	0.3 miles	Good — 18 Dec 2013
Church Walk CofE Primary School	Primary	0.3 miles	Good — 1 Feb 2017
Croftlands Infant School	Primary	0.8 miles	Good — 15 Jan 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
2 Bed Detached House, Trinkeld Avenue, LA12	£1,050/mo	2	1.22 miles	OpenRent

Average rent: £1,050/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.95%

Max investor price (0.8%) £131,250

Target investor price (1%) £105,000

Gross yield 11.5%

Cost-to-rent ratio 8.7×

Monthly cashflow £487/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 18.3%

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).