Sold STC Semi-detached

52 EDWARD STREET

TUNBRIDGE WELLS, SOUTHBOROUGH, KENT TN4 0HB

2 beds 2 baths 463 sq ft Listed 10 Apr 2026 (-101d)

£375,000

Guide Price

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# 2 bedroom semi-detached house for sale (TN4 0HB)

## Property Details

| Key | Value |
|-----|-------|
| Address | 52 EDWARD STREET, TUNBRIDGE WELLS, SOUTHBOROUGH, KENT TN4 0HB |
| Price | £375,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 43 m² |
| Last sold | £375,000 Jan 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 10/05/2032
- **Current heating cost:** £551/year
- **Est. upgrade cost to C:** £19,500

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4600-4291-0222-6198-3523)

## Description

Situation:

The property is situated in a sought-after and quiet road and is conveniently located for the local amenities and main line station, with Tunbridge wells town centre being within easy reach.

Tunbridge Wells offers a comprehensive range of amenities including the Royal Victoria shopping centre, cinema complex and theatres. The town is well known for the historic Pantiles and its open spaces, including Dunorlan and Calverley parks.

There are also a number of well-regarded state and independent schools in the area, including grammar schools for both girls and boys.

For the commuter, Tunbridge Wells mainline station provides a regular service to London Charing Cross/Cannon Street in under an hour and the A21 is also within easy reach with links to the M25.

Description:

The property is a spacious semi-detached period home with two double bedrooms, two bathrooms, and has a good-sized west facing private garden.

The accommodation is arranged over two floors and includes, on the ground floor; an entrance hall with exposed wood floorboards and adjacent understairs storage; a well-proportioned living room again with wood floorboards, feature open period fireplace with gloss hearth, and bay windows providing a good deal of natural light; a good-sized dining room with exposed wood flooring, and feature fireplace with attractive gloss tile surround; a kitchen with a wide range of gloss wall and base units, complementary wood work surfaces, tile flooring, 1 ½ bowl sink with mixer tap over, and appliances including a 4 ring hob, oven, fridge/freezer, washing machine, and dishwasher; and a bathroom featuring a walk in shower, low level w/c, wash basin, and tile flooring.

On the first floor is a good-sized landing with sash window providing a good deal of natural light, two double bedrooms both featuring delightful period fireplaces, and a bathroom featuring a bath with shower over, low level w/c, wash basin with mixer tap over and storage beneath, and wrought iron period fireplace.

To the front of the property is a low maintenance front garden bordered by a low level brick wall and wrought iron gate, and to the rear is a private west facing garden mainly laid to lawn, a patio area ideal for outdoor entertaining, and a shed.

Services: Mains water and electricity. Gas-fired central heating.

Local Authority: Tunbridge Wells Borough Council

Council tax band: C

Current EPC Rating: D

Directions: The postcode of the property is TN4 0HB

## Property Photos

- ![Front Elevation](/listings/photos/174301397/1182473) - Front Elevation
- ![Garden](/listings/photos/174301397/1182474) - Garden
- ![Kitchen](/listings/photos/174301397/1182475) - Kitchen
- ![Living Room](/listings/photos/174301397/1182476) - Living Room
- ![Dining Room](/listings/photos/174301397/1182477) - Dining Room
- ![Kitchen](/listings/photos/174301397/1182478) - Kitchen
- ![Dining Room](/listings/photos/174301397/1182479) - Dining Room
- ![Downstairs Bathroom](/listings/photos/174301397/1182480) - Downstairs Bathroom
- ![Bedroom](/listings/photos/174301397/1182481) - Bedroom
- ![Bedroom](/listings/photos/174301397/1182482) - Bedroom
- ![Upstairs Bathroom](/listings/photos/174301397/1182483) - Upstairs Bathroom
- ![Garden](/listings/photos/174301397/1182484) - Garden
- ![Garden](/listings/photos/174301397/1182485) - Garden
- ![Garden](/listings/photos/174301397/1182486) - Garden
- ![Rear Elevation](/listings/photos/174301397/1182487) - Rear Elevation

## Floorplans

- ![Floorplan](/listings/photos/174301397/1182488) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/174301397/1182489) - EPC Rating Graph

## FENSA Certificates

This property has 3 FENSA certificate(s) on record.

### FENSA Certificate #11230321
- **Address:** 52 Edward Street, Southborough, TN4 0HB
- **Certificate Issued:** 28/09/2015
- **Work Completed:** 14/09/2015
- **Items:** 7 window(s)

### FENSA Certificate #6399429
- **Address:** 52 Edward Street, Southborough, TN4 0HB
- **Certificate Issued:** 16/03/2009
- **Work Completed:** 04/03/2009
- **Items:** 1 window(s), 1 door(s)

### FENSA Certificate #6161211
- **Address:** 52 Edward Street, Southborough, TN4 0HB
- **Certificate Issued:** 25/11/2008
- **Work Completed:** 13/11/2008
- **Items:** 1 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 52 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HB | £375,000 | 16/01/2026 | Semi-detached |
| 52 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HB | £244,275 | 28/09/2007 | Semi-detached |
| 52 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HB | £110,000 | 19/05/2000 | Semi-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 |
|---------|-------|------|------|
| 4 BEDFORD ROAD, TUNBRIDGE WELLS, KENT, TN4 0HJ | £465,000 | 23/01/2026 | Semi-detached |
| [Same street] 39 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HB | £370,000 | 17/12/2025 | Detached |
| 44 FORGE ROAD, TUNBRIDGE WELLS, KENT, TN4 0EX | £370,000 | 15/12/2025 | Semi-detached |
| 21 NORTON ROAD, TUNBRIDGE WELLS, KENT, TN4 0HE | £450,000 | 12/12/2025 | Semi-detached |
| 46 FORGE ROAD, TUNBRIDGE WELLS, KENT, TN4 0EX | £320,000 | 29/07/2025 | Semi-detached |
| 7 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EJ | £672,500 | 25/04/2025 | Semi-detached |
| 98 SPRINGFIELD ROAD, TUNBRIDGE WELLS, KENT, TN4 0RA | £345,000 | 13/11/2023 | Semi-detached |
| 54 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EH | £700,000 | 26/10/2023 | Semi-detached |
| 18 SPRINGFIELD ROAD, TUNBRIDGE WELLS, KENT, TN4 0RB | £370,000 | 09/10/2023 | Semi-detached |
| 16 ELM ROAD, TUNBRIDGE WELLS, KENT, TN4 0HD | £525,000 | 18/08/2023 | Semi-detached |
| 12 WESTERN ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HG | £260,000 | 30/06/2023 | Semi-detached |
| 14 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EL | £520,000 | 07/06/2023 | Semi-detached |
| 39 HOLDEN PARK ROAD, TUNBRIDGE WELLS, KENT, TN4 0EP | £765,000 | 21/12/2022 | Semi-detached |
| 30 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EL | £615,000 | 28/11/2022 | Semi-detached |
| 6 BEDFORD ROAD, TUNBRIDGE WELLS, KENT, TN4 0HJ | £265,000 | 21/11/2022 | Semi-detached |
| 1 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HP | £450,000 | 25/10/2022 | Semi-detached |
| 53 TAYLOR STREET, TUNBRIDGE WELLS, KENT, TN4 0DU | £365,000 | 21/10/2022 | Semi-detached |
| 70 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EB | £425,000 | 14/10/2022 | Semi-detached |
| 27 ELM ROAD, TUNBRIDGE WELLS, KENT, TN4 0HD | £445,000 | 04/08/2022 | Semi-detached |
| 64 TAYLOR STREET, TUNBRIDGE WELLS, KENT, TN4 0DX | £610,000 | 03/08/2022 | Semi-detached |
| 1 WOOLLEY CLOSE, TUNBRIDGE WELLS, KENT, TN4 0LH | £426,000 | 29/07/2022 | Semi-detached |
| [Same street] 40 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HB | £445,000 | 01/02/2022 | Semi-detached |

**Street average:** £407,500 (2 sales)
**Area average:** £468,175 (20 sales)

## Price vs local average

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

- **Local average:** £499,248 (36 Semi-detached, TN4, 2024–2026)
- **Deviation:** -24.9%

## Rental Range

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

- **Low:** £1,365/mo
- **Realistic:** £1,517/mo
- **Optimistic:** £1,669/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,072/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, London Road, TN4 | £1,650/mo | 2 | 0.19 miles | OpenRent |
| 2 Bed Flat, Great Brooms Road, TN4 | £1,500/mo | 2 | 0.73 miles | OpenRent |

**Average rent: £1,575/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.42% (weak for cashflow)
- **Max investor price (0.8%):** £196,875
- **Target investor price (1%):** £157,500

*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 £1,575/mo).*

- **Gross yield:** 5%
- **Cost-to-rent:** 19.8×
- **Monthly cashflow:** £-84/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -0.9%

*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:** £8,721/m²

## Capital growth trend

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

- **5y growth:** -21.7%
- **10y growth:** 23.9%

## House Price Index (HM Land Registry)

*Official index for Tunbridge Wells; Semi-detached series; as of April 2026.*

- **1y growth (index):** 1.3%
- **5y growth (index):** 14%
- **10y growth (index):** 36.3%

## 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 Garden Kitchen Living Room Dining Room Kitchen Dining Room Downstairs Bathroom Bedroom Bedroom Upstairs Bathroom Garden Garden Garden Rear Elevation

/ 15

Property details

Tenure

FREEHOLD

Floor area

43 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£375,000 Jan 2026

Price per m²

£8,721/m²

Local average

£499,248 (-24.9%)

Deprivation

Decile 6 (19,161 of 33,755)

Street crime

66 incidents within 1 mile (May 2026)

Key features

Chain free
Spacious 2 bedroom, 2 bathroom
Semi detached
Private west facing garden
Favoured road in Southborough
Within a short walk of local amenities
Within easy reach of the mainline station
Within easy reach of Tunbridge Wells Town Centre

Additional details

Garden: Yes

Description

CHAIN FREE A period home situated in a favoured residential street, private west facing rear garden, within walking distance of the local amenities, and within easy reach of the town centre and mainline station.

Situation:
The property is situated in a sought-after and quiet road and is conveniently located for the local amenities and main line station, with Tunbridge wells town centre being within easy reach.
Tunbridge Wells offers a comprehensive range of amenities including the Royal Victoria shopping centre, cinema complex and theatres. The town is well known for the historic Pantiles and its open spaces, including Dunorlan and Calverley parks.
There are also a number of well-regarded state and independent schools in the area, including grammar schools for both girls and boys.
For the commuter, Tunbridge Wells mainline station provides a regular service to London Charing Cross/Cannon Street in under an hour and the A21 is also within easy reach with links to the M25.

Description:
The property is a spacious semi-detached period home with two double bedrooms, two bathrooms, and has a good-sized west facing private garden.
The accommodation is arranged over two floors and includes, on the ground floor; an entrance hall with exposed wood floorboards and adjacent understairs storage; a well-proportioned living room again with wood floorboards, feature open period fireplace with gloss hearth, and bay windows providing a good deal of natural light; a good-sized dining room with exposed wood flooring, and feature fireplace with attractive gloss tile surround; a kitchen with a wide range of gloss wall and base units, complementary wood work surfaces, tile flooring, 1 ½ bowl sink with mixer tap over, and appliances including a 4 ring hob, oven, fridge/freezer, washing machine, and dishwasher; and a bathroom featuring a walk in shower, low level w/c, wash basin, and tile flooring.
On the first floor is a good-sized landing with sash window providing a good deal of natural light, two double bedrooms both featuring delightful period fireplaces, and a bathroom featuring a bath with shower over, low level w/c, wash basin with mixer tap over and storage beneath, and wrought iron period fireplace.
To the front of the property is a low maintenance front garden bordered by a low level brick wall and wrought iron gate, and to the rear is a private west facing garden mainly laid to lawn, a patio area ideal for outdoor entertaining, and a shed.

Services: Mains water and electricity. Gas-fired central heating.
Local Authority: Tunbridge Wells Borough Council
Council tax band: C
Current EPC Rating: D
Directions: The postcode of the property is TN4 0HB

Listed by

Tunbridge Wells

Green Lizard

Reference: 174301397

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 11/05/2022

Expiry date: 10/05/2032

Current heating cost: £551/year

Potential heating cost: £459/year

Est. upgrade cost to C: £19,500

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

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 3 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #11230321

Property Details

Street: 52 Edward Street

Town: Southborough

Postcode: TN4 0HB

Installation Details

Items: 7 windows

Certificate Issued: 28/09/2015

Work Completed: 14/09/2015

This certificate data was retrieved from FENSA's database

FENSA Certificate #6399429

Property Details

Street: 52 Edward Street

Town: Southborough

Postcode: TN4 0HB

Installation Details

Items: 1 window and 1 door

Certificate Issued: 16/03/2009

Work Completed: 04/03/2009

This certificate data was retrieved from FENSA's database

FENSA Certificate #6161211

Property Details

Street: 52 Edward Street

Town: Southborough

Postcode: TN4 0HB

Installation Details

Items: 1 window and 1 door

Certificate Issued: 25/11/2008

Work Completed: 13/11/2008

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

241% since 2000

Event	Date	Price	% change
Listed for sale	—	£375,000	0%
Sold	16/01/2026 (6 months ago)	£375,000	+53.5%
Sold	28/09/2007 (18 years ago)	£244,275	+122.1%
Sold	19/05/2000 (26 years ago)	£110,000	—

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
4 BEDFORD ROAD, TUNBRIDGE WELLS, KENT, TN4 0HJ	£465,000	23/01/2026	Semi-detached
Same street 39 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HB	£370,000	17/12/2025	Detached
44 FORGE ROAD, TUNBRIDGE WELLS, KENT, TN4 0EX	£370,000	15/12/2025	Semi-detached
21 NORTON ROAD, TUNBRIDGE WELLS, KENT, TN4 0HE	£450,000	12/12/2025	Semi-detached
46 FORGE ROAD, TUNBRIDGE WELLS, KENT, TN4 0EX	£320,000	29/07/2025	Semi-detached
7 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EJ	£672,500	25/04/2025	Semi-detached
98 SPRINGFIELD ROAD, TUNBRIDGE WELLS, KENT, TN4 0RA	£345,000	13/11/2023	Semi-detached
54 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EH	£700,000	26/10/2023	Semi-detached
18 SPRINGFIELD ROAD, TUNBRIDGE WELLS, KENT, TN4 0RB	£370,000	09/10/2023	Semi-detached
16 ELM ROAD, TUNBRIDGE WELLS, KENT, TN4 0HD	£525,000	18/08/2023	Semi-detached
12 WESTERN ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HG	£260,000	30/06/2023	Semi-detached
14 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EL	£520,000	07/06/2023	Semi-detached
39 HOLDEN PARK ROAD, TUNBRIDGE WELLS, KENT, TN4 0EP	£765,000	21/12/2022	Semi-detached
30 PROSPECT ROAD, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EL	£615,000	28/11/2022	Semi-detached
6 BEDFORD ROAD, TUNBRIDGE WELLS, KENT, TN4 0HJ	£265,000	21/11/2022	Semi-detached
1 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HP	£450,000	25/10/2022	Semi-detached
53 TAYLOR STREET, TUNBRIDGE WELLS, KENT, TN4 0DU	£365,000	21/10/2022	Semi-detached
70 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0EB	£425,000	14/10/2022	Semi-detached
27 ELM ROAD, TUNBRIDGE WELLS, KENT, TN4 0HD	£445,000	04/08/2022	Semi-detached
64 TAYLOR STREET, TUNBRIDGE WELLS, KENT, TN4 0DX	£610,000	03/08/2022	Semi-detached
1 WOOLLEY CLOSE, TUNBRIDGE WELLS, KENT, TN4 0LH	£426,000	29/07/2022	Semi-detached
Same street 40 EDWARD STREET, SOUTHBOROUGH, TUNBRIDGE WELLS, KENT, TN4 0HB	£445,000	01/02/2022	Semi-detached

Street average: £407,500 (2 sales)

Area average: £468,175 (20 sales)

Capital growth trend

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

5y growth -21.7%

10y growth 23.9%

House Price Index (HM Land Registry — official index, not sold-price averages): Tunbridge Wells. Series: Semi-detached. As of April 2026.

1y (index) 1.3%

5y (index) 14%

10y (index) 36.3%

Rental Range

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

Low £1,365/mo

Realistic £1,517/mo

Optimistic £1,669/mo

Based on Local Authority from postcode lookup → Tunbridge Wells.

LHA (30th percentile) floor for High Weald: £1,072/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View TN4 0HB

Nearby

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

Type	Name	Distance
Bus stop	Primary School	0.1 miles
Shop	R.N. Carr Ltd	0.1 miles
Shop	Day Lewis Opticians	0.1 miles
Bus stop	Prospect Road	0.1 miles
Train station	High Brooms	1.0 miles
Train station	Tunbridge Wells	1.8 miles
University	Tonbridge Adult Education Centre	2.6 miles
Hospital	Tunbridge Wells Independant Hospital	3.4 miles
Hospital	Crowborough War Memorial Hospital	8.4 miles
University	St Piers College	10.8 miles

Street-level crime

Category	Count
Shoplifting	22
Violence and sexual offences	21
Anti-social behaviour	10
Criminal damage and arson	7
Public order	3
Drugs	1
Robbery	1
Vehicle crime	1
Total incidents	66

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
Two Bridges School	Other	0.1 miles	Inadequate — 29 Apr 2024
Southborough CofE Primary School	Primary	0.2 miles	Good — 29 Apr 2014
St Gregory's Catholic School	Secondary	0.3 miles	— (Inspected (no overall grade))
Tunbridge Wells Grammar School for Boys	Secondary	0.4 miles	Good — 1 Feb 2013
St Augustine's Catholic Primary School	Primary	0.6 miles	Good — 7 Dec 2015

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, London Road, TN4	£1,650/mo	2	0.19 miles	OpenRent
2 Bed Flat, Great Brooms Road, TN4	£1,500/mo	2	0.73 miles	OpenRent

Average rent: £1,575/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.42%

Max investor price (0.8%) £196,875

Target investor price (1%) £157,500

Gross yield 5%

Cost-to-rent ratio 19.8×

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

Cash-on-cash ROI -0.9%

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).