Sold STC Semi-detached

174 GOWING ROAD

NORWICH, NORFOLK NR6 6PZ

3 beds 1 baths 710 sq ft Listed 19 Dec 2024 (-578d)

£220,000

Guide Price

Save

# 3 bedroom semi-detached bungalow for sale (NR6 6PZ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 174 GOWING ROAD, NORWICH, NORFOLK NR6 6PZ |
| Price | £220,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: 1967-1975 |
| Floor area | 66 m² |
| Last sold | £225,000 Mar 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 22/12/2034
- **Current heating cost:** £662/year
- **Est. upgrade cost to C:** £14,500

### Recommendations
- W2 (£4,000 - £6,000)
- 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/2079-3945-2202-4494-2200)

## Description

**Location** **** Hellesdon is a popular and thriving north western suburb of Norwich, situated just over 3 miles from the city centre, the area is popular with all generations as it offers of plenty of local amenities which include local shops, employment areas, retail parks and sports facilities.  The local international airport is nearby with connections to a large range of UK and European destinations.

The city of Norwich boasts some of the UK's top shopping with two indoors malls, an award winning daily market plus a wide variety of independent shops and national chains.  The property has a number of local bus stops within easy reach enabling easy access to city centre which offers a choice of theatres, cinemas and a wide variety of restaurants, bars and rich and cultural life.

**Description** **** A well proportioned three bedroom semi-detached bungalow in the popular north west suburb of Hellesdon.  The property now requires general updating and the accommodation is nicely laid out, giving a good size lounge, three bedrooms, bathroom, conservatory and kitchen.  Externally there is a good size, low maintenance, rear garden, detached garage and off street parking for 4+ vehicles.

Early inspection is highly recommended to avoid disappointment.

The accommodation comprises:-

**Kitchen** **12' 5" x 8' 7" (3.78m x 2.62m)** Side aspect uPVC double glazed obscure glass door and rear aspect double glazed window.  Fitted with a range of light wood effect wall and base units, wood effect roll edge work surface, inset coloured sink and mixer tap, tiled splash backs, New World stainless steel electric oven, four ring gas hob, space for fridge, plumbing for washing machine, tiled floor, door to:-

**Hallway** **** Front aspect double glazed obscure window, doors to lounge, bedrooms and bathroom, airing cupboard housing Vailant wall mounted boiler, fitted carpet, radiator, textured and coved ceiling, access to loft.

**Lounge** **15' 0" x 10' 6" (4.57m x 3.2m)** Double glazed patio doors to conservatory, tiled feature fireplace fitted with a gas fire, tv point, fitted carpet, coved ceiling.

**Conservatory** **11' 2" x 5' 7" (3.4m x 1.7m)** Of uPVC double glazed construction on a dwarf wall, side aspect double glazed door, fitted carpet.

**Bedroom** **1** **13' 4" x 10' 6" (4.06m x 3.2m)** Front aspect uPVC double glazed window, fitted wardrobes and over bed cupboards, fitted carpet.

**Bedroom** **2** **10' 7" x 10' 2" (3.23m x 3.1m)** Front aspect uPVC double glazed window, fitted wardrobes, fitted carpet.

**Bedroom** **3** **10' 7" x 6' 6" (3.23m x 1.98m)** Side aspect uPVC double glazed window, fitted carpet.

**Shower** **Room** **9' 4" x 4' 9" (2.84m x 1.45m) (maximum)** Rear aspect double glazed obscure glass uPVC window, walk-in shower with glass screen, low level w.c., pedestal hand basin, part tiled walls, radiator.

**Outside** **** To the front of the property is block weave driveway, double timber gates to garden, front lawn.  The low maintenance rear garden is hard-surfaced and has an outside courtesy light.  Garage with roller door, power and light.

**Services** **** Mains gas, water, electricity and drainage are available.

**Local** **Authority/Council** **Tax** **** Broadland District Council, Thorpe Lodge, 1 Yarmouth Road, Norwich, NR7 0DU

Tel:

Tax Band: C

**EPC** **Rating** **** The Energy Rating for this property is to be confirmed.  A full Energy Performance Certificate will be available on request.

**Important** **Agent** **Note** **** Intending purchasers will be asked to provide original Identity Documentation and Proof of Address before solicitors are instructed.

**We** **Are** **Here** **To** **Help** **** If your interest in this property is dependent on anything about the property or its surroundings which are not referred to in these sales particulars, please contact us before viewing and we will do our best to answer any questions you may have.

**Agents** **Note** **** Appliances in the property have not been tested and are sold as seen.

## Property Photos

- ![Front](/listings/photos/156095315/1349704) - Front
- ![Sitting Room](/listings/photos/156095315/1349705) - Sitting Room
- ![Bedroom 1](/listings/photos/156095315/1349706) - Bedroom 1
- ![Bedroom 2](/listings/photos/156095315/1349707) - Bedroom 2
- ![Bedroom 3](/listings/photos/156095315/1349708) - Bedroom 3
- ![Shower room](/listings/photos/156095315/1349709) - Shower room
- ![Kitchen](/listings/photos/156095315/1349710) - Kitchen
- ![Rear garden](/listings/photos/156095315/1349711) - Rear garden
- ![IMG_1657](/listings/photos/156095315/1349712) - IMG_1657
- ![Garage](/listings/photos/156095315/1349713) - Garage

## Floorplans

- ![Floorplan 1](/listings/photos/156095315/1349714) - Floorplan 1

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #12127347
- **Address:** 174 Gowing Road, NORWICH, NR6 6PZ
- **Certificate Issued:** 02/01/2017
- **Work Completed:** 16/11/2016
- **Items:** 6 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 174 GOWING ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PZ | £225,000 | 27/03/2025 | 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 |
|---------|-------|------|------|
| 54 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH | £332,000 | 15/12/2025 | Semi-detached |
| 11 SARACEN ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PA | £240,000 | 23/07/2025 | Semi-detached |
| 1 SADLER ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PQ | £246,000 | 11/07/2025 | Semi-detached |
| 68 BUSH ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6UE | £235,000 | 04/12/2023 | Semi-detached |
| 117 GOWING ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PY | £267,500 | 21/07/2023 | Semi-detached |
| 31 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN | £306,000 | 16/06/2023 | Semi-detached |
| 10 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PL | £320,000 | 08/06/2023 | Semi-detached |
| 48 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH | £250,000 | 02/06/2023 | Semi-detached |
| 26 RAYMOND CLOSE, NORWICH, BROADLAND, NORFOLK, NR6 6PG | £242,000 | 01/02/2023 | Semi-detached |
| 3 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH | £280,000 | 19/12/2022 | Semi-detached |
| 17 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN | £260,000 | 30/11/2022 | Semi-detached |
| 50 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN | £285,000 | 30/09/2022 | Semi-detached |
| 109 GOWING ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6UG | £285,000 | 30/09/2022 | Semi-detached |
| 18 LOXWOOD, NORWICH, BROADLAND, NORFOLK, NR6 6QD | £270,000 | 08/09/2022 | Semi-detached |
| 32 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN | £290,000 | 06/09/2022 | Semi-detached |
| 80 BUSH ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6UE | £302,000 | 26/08/2022 | Semi-detached |
| 172 GOWING ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PZ | £292,000 | 18/08/2022 | Semi-detached |
| 26 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH | £280,000 | 22/07/2022 | Semi-detached |
| 11 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH | £285,000 | 20/07/2022 | Semi-detached |
| 2 SHERWELL ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PP | £277,500 | 07/07/2022 | Semi-detached |

**Area average:** £277,250 (20 sales)

## Price vs local average

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

- **Local average:** £275,609 (40 Semi-detached, NR6, 2024–2026)
- **Deviation:** -20.2%

## Rental Range

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

- **Low:** £845/mo
- **Realistic:** £939/mo
- **Optimistic:** £1,033/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Central Norfolk & Norwich (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £798/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, Sadler Road, NR6 | £1,300/mo | 3 | 0.09 miles | OpenRent |
| 3 Bed Bungalow, Bush Road, NR6 | £1,250/mo | 3 | 0.31 miles | OpenRent |
| 3 Bed End Terrace, Oulton Rd, NR6 | £1,150/mo | 3 | 1.1 miles | OpenRent |

**Average rent: £1,233/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.57% (weak for cashflow)
- **Max investor price (0.8%):** £156,250
- **Target investor price (1%):** £125,000

*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 £1,250/mo).*

- **Gross yield:** 6.8%
- **Cost-to-rent:** 14.7×
- **Monthly cashflow:** £234/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4.4%

*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:** £3,333/m²

## Capital growth trend

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

- **5y growth:** 7.9%
- **10y growth:** 37.1%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 8.1%
- **5y growth (index):** 17%
- **10y growth (index):** 40.5%

## 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 Sitting Room Bedroom 1 Bedroom 2 Bedroom 3 Shower room Kitchen Rear garden IMG_1657 Garage

/ 10

Property details

Tenure

FREEHOLD

Floor area

66 m²

Council tax band

EPC rating

Year built

England and Wales: 1967-1975

Last sold

£225,000 Mar 2025

Price per m²

£3,333/m²

Local average

£275,609 (-20.2%)

Deprivation

Decile 7 (20,437 of 33,755)

Street crime

27 incidents within 1 mile (May 2026)

Key features

Requires Updating
Three Bedrooms
Good Local Shopping Facilities
Both Good and Outstanding OFSTED Rated Schools
Regular Public Transport
Low Maintenance Garden
Close to Norwich International Airport
Detached Garage and Off Road Parking for 4+ Vehicles
Easy Access to Norwich City Centre

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Parking: Garage, Off street
Garden: Yes

Description

Location ** Hellesdon is a popular and thriving north western suburb of Norwich, situated just over 3 miles from the city centre, the area is popular with all generations as it offers of plenty of local amenities which include local shops, employment areas, retail parks and sports facilities. The local international airport is nearby with connections to a large range of UK and European destinations.

The city of Norwich boasts some of the UK's top shopping with two indoors malls, an award winning daily market plus a wide variety of independent shops and national chains. The property has a number of local bus stops within easy reach enabling easy access to city centre which offers a choice of theatres, cinemas and a wide variety of restaurants, bars and rich and cultural life.

Description A well proportioned three bedroom semi-detached bungalow in the popular north west suburb of Hellesdon. The property now requires general updating and the accommodation is nicely laid out, giving a good size lounge, three bedrooms, bathroom, conservatory and kitchen. Externally there is a good size, low maintenance, rear garden, detached garage and off street parking for 4+ vehicles.

Early inspection is highly recommended to avoid disappointment.

The accommodation comprises:-

Kitchen 12' 5" x 8' 7" (3.78m x 2.62m) Side aspect uPVC double glazed obscure glass door and rear aspect double glazed window. Fitted with a range of light wood effect wall and base units, wood effect roll edge work surface, inset coloured sink and mixer tap, tiled splash backs, New World stainless steel electric oven, four ring gas hob, space for fridge, plumbing for washing machine, tiled floor, door to:-

Hallway Front aspect double glazed obscure window, doors to lounge, bedrooms and bathroom, airing cupboard housing Vailant wall mounted boiler, fitted carpet, radiator, textured and coved ceiling, access to loft.

Lounge 15' 0" x 10' 6" (4.57m x 3.2m) Double glazed patio doors to conservatory, tiled feature fireplace fitted with a gas fire, tv point, fitted carpet, coved ceiling.

Conservatory 11' 2" x 5' 7" (3.4m x 1.7m) Of uPVC double glazed construction on a dwarf wall, side aspect double glazed door, fitted carpet.

Bedroom 1 13' 4" x 10' 6" (4.06m x 3.2m) Front aspect uPVC double glazed window, fitted wardrobes and over bed cupboards, fitted carpet.

Bedroom 2 10' 7" x 10' 2" (3.23m x 3.1m) Front aspect uPVC double glazed window, fitted wardrobes, fitted carpet.

Bedroom 3 10' 7" x 6' 6" (3.23m x 1.98m) Side aspect uPVC double glazed window, fitted carpet.

Shower Room 9' 4" x 4' 9" (2.84m x 1.45m) (maximum) Rear aspect double glazed obscure glass uPVC window, walk-in shower with glass screen, low level w.c., pedestal hand basin, part tiled walls, radiator.

Outside To the front of the property is block weave driveway, double timber gates to garden, front lawn. The low maintenance rear garden is hard-surfaced and has an outside courtesy light. Garage with roller door, power and light.

Services Mains gas, water, electricity and drainage are available.

Local Authority/Council Tax Broadland District Council, Thorpe Lodge, 1 Yarmouth Road, Norwich, NR7 0DU
Tel:
Tax Band: C

EPC Rating The Energy Rating for this property is to be confirmed. A full Energy Performance Certificate will be available on request.

Important Agent Note Intending purchasers will be asked to provide original Identity Documentation and Proof of Address before solicitors are instructed.

We Are Here To Help If your interest in this property is dependent on anything about the property or its surroundings which are not referred to in these sales particulars, please contact us before viewing and we will do our best to answer any questions you may have.

Agents Note ** Appliances in the property have not been tested and are sold as seen.

Listed by

Norfolk

Watsons

Reference: 156095315

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 23/12/2024

Expiry date: 22/12/2034

Current heating cost: £662/year

Potential heating cost: £596/year

Est. upgrade cost to C: £14,500

Recommendations

Floor insulation (solid floor) (£4,000 - £6,000)
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 1

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #12127347

Property Details

Street: 174 Gowing Road

Town: NORWICH

Postcode: NR6 6PZ

Installation Details

Items: 6 windows and 1 door

Certificate Issued: 02/01/2017

Work Completed: 16/11/2016

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

Event	Date	Price	% change
Sold	27/03/2025 (1 year ago)	£225,000	—

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
54 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH	£332,000	15/12/2025	Semi-detached
11 SARACEN ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PA	£240,000	23/07/2025	Semi-detached
1 SADLER ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PQ	£246,000	11/07/2025	Semi-detached
68 BUSH ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6UE	£235,000	04/12/2023	Semi-detached
117 GOWING ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PY	£267,500	21/07/2023	Semi-detached
31 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN	£306,000	16/06/2023	Semi-detached
10 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PL	£320,000	08/06/2023	Semi-detached
48 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH	£250,000	02/06/2023	Semi-detached
26 RAYMOND CLOSE, NORWICH, BROADLAND, NORFOLK, NR6 6PG	£242,000	01/02/2023	Semi-detached
3 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH	£280,000	19/12/2022	Semi-detached
17 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN	£260,000	30/11/2022	Semi-detached
50 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN	£285,000	30/09/2022	Semi-detached
109 GOWING ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6UG	£285,000	30/09/2022	Semi-detached
18 LOXWOOD, NORWICH, BROADLAND, NORFOLK, NR6 6QD	£270,000	08/09/2022	Semi-detached
32 RAYMOND ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PN	£290,000	06/09/2022	Semi-detached
80 BUSH ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6UE	£302,000	26/08/2022	Semi-detached
172 GOWING ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PZ	£292,000	18/08/2022	Semi-detached
26 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH	£280,000	22/07/2022	Semi-detached
11 BERRINGTON ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PH	£285,000	20/07/2022	Semi-detached
2 SHERWELL ROAD, NORWICH, BROADLAND, NORFOLK, NR6 6PP	£277,500	07/07/2022	Semi-detached

Area average: £277,250 (20 sales)

Capital growth trend

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

5y growth 7.9%

10y growth 37.1%

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

1y (index) 8.1%

5y (index) 17%

10y (index) 40.5%

Rental Range

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

Low £845/mo

Realistic £939/mo

Optimistic £1,033/mo

Based on Local Authority from postcode lookup → Broadland.

LHA (30th percentile) floor for Central Norfolk & Norwich: £798/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View NR6 6PZ

Nearby

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

Type	Name	Distance
Bus stop	Raymond Close, opp	0.1 miles
Bus stop	Gowing Road, adj	0.2 miles
Shop	CO-OP Travel	0.4 miles
Shop	Lexus Norwich (Service Only)	0.6 miles
University	Broadcast House	2.9 miles
Train station	Norwich	3.7 miles
Hospital	Norfolk and Norwich University Hospital:Emergency Department	4.1 miles
Train station	Salhouse	5.4 miles
Hospital	North Walsham and District War Memorial Hospital	11.2 miles

Street-level crime

Category	Count
Violence and sexual offences	10
Anti-social behaviour	5
Burglary	5
Bicycle theft	2
Public order	2
Other theft	1
Robbery	1
Shoplifting	1
Total incidents	27

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
Arden Grove Infant and Nursery School	Primary	0.2 miles	Outstanding — 26 Mar 2015
Firside Junior School	Primary	0.4 miles	Good — 2 Jul 2015
Kinsale Infant School	Primary	0.7 miles	Good — 4 May 2011
Kinsale Junior School	Primary	0.7 miles	Good — 19 Dec 2014
Hellesdon High School	Secondary	0.8 miles	Requires improvement — 20 Nov 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
3 Bed Terraced House, Sadler Road, NR6	£1,300/mo	3	0.09 miles	OpenRent
3 Bed Bungalow, Bush Road, NR6	£1,250/mo	3	0.31 miles	OpenRent
3 Bed End Terrace, Oulton Rd, NR6	£1,150/mo	3	1.1 miles	OpenRent

Average rent: £1,233/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.57%

Max investor price (0.8%) £156,250

Target investor price (1%) £125,000

Gross yield 6.8%

Cost-to-rent ratio 14.7×

Monthly cashflow £234/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 4.4%

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).