Sold Semi-detached

81 CHURCH ROAD

SOUTHPORT, LANCASHIRE PR9 8ET

2 beds 1 baths 721 sq ft Listed 29 Jan 2016 (-3825d)

£129,950

Reduced on 19 Feb 2016

Save

# 2 bedroom semi-detached bungalow for sale (PR9 8ET)

## Property Details

| Key | Value |
|-----|-------|
| Address | 81 CHURCH ROAD, SOUTHPORT, LANCASHIRE PR9 8ET |
| Price | £129,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 67 m² |
| Last sold | £125,000 Sep 2016 |

## EPC Rating & Upgrade Cost

- **Current rating:** F
- **Potential rating:** C
- **Expiry date:** 11/09/2026
- **Current heating cost:** £1,393/year
- **Est. upgrade cost to C:** £17,435

### Recommendations
- A (£100 - £350)
- B (£500 - £1,500)
- W1 (£800 - £1,200)
- E (£60)
- G (£350 - £450)
- I (£2,200 - £3,000)
- T2 (£400 - £900)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8856-7521-4780-9072-7996)

## Description

**Side Entrance** -

**Entrance Hall** - Upvc outer door with double glazed and leaded insert. Laminate flooring extending to the majority of the rooms. Video handset to side gate.

**Lounge** - 4.47 x 3.17 - Laminate floor, attractive fire surround with marble effect interior and hearth with living flame gas fire. Door to....

**Conservatory** - 3.43 x 4.27 - Laminate floor. Upvc double glazed windows and double door to rear garden. Island kitchen unit with shelving and electric oven, archway to....

**Kitchen** - 2.49 x 1.65 - Upvc double glazed side window, base unit, wall cupboards, tiled walls, plumbing for washing machine, wall mounted Worcester combination style central heating boiler.

**Bedroom 1** - 3.71 x 3.2 - Laminate floor, Upvc double glazed window.

**Bedroom 2** - 3.07 x 2.57 - Laminate floor, Upvc double glazed window.

**Wet Room/Shower** - 2.49 x 1.52 - White suite including a walk in, level entry shower with thermostatic shower, pedestal wash hand basin, low level Wc, radiator/towel rail. Upvc double glazed window.

**Outside** - There are gardens to the front and rear, at the front there is a pressed concrete parking area for two cars, the attractive and landscaped rear garden is planned with borders edged with sleepers and provided with plants and shrubs, miniature trees, loose stone areas. Timber shed.

**Tenure** - Please note we have not verified the tenure of this property, please advise us if you require confirmation of the tenure.

## Property Photos

- ![Photo](/listings/photos/39512574/1352915)
- ![Photo](/listings/photos/39512574/1352916)
- ![Photo](/listings/photos/39512574/1352923)
- ![Photo](/listings/photos/39512574/1352931)
- ![Photo](/listings/photos/39512574/1352939)
- ![Photo](/listings/photos/39512574/1352943)

## Floorplans

- ![Property Floorplan](/listings/photos/39512574/1352949) - Property Floorplan

## EPC Graphs

- ![EE Rating](/listings/photos/39512574/1352957) - EE Rating
- ![EI Rating](/listings/photos/39512574/1352962) - EI Rating

## FENSA Certificates

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

### FENSA Certificate #1453784
- **Address:** 81 Church Road, Southport, PR9 8ET
- **Certificate Issued:** 02/02/2004
- **Work Completed:** 27/01/2004
- **Items:** 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 81 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £125,000 | 01/09/2016 | 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 |
|---------|-------|------|------|
| 31 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £177,500 | 13/06/2025 | Semi-detached |
| [Same street] 53 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £228,000 | 18/10/2024 | Detached |
| [Same street] 52 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £455,000 | 12/06/2024 | Detached |
| [Same street] 67 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £215,000 | 11/04/2024 | Semi-detached |
| [Same street] 26 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £150,000 | 23/01/2024 | Semi-detached |
| [Same street] 42 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £216,000 | 21/12/2023 | Detached |
| [Same street] 17 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £150,000 | 19/09/2023 | Flat |
| [Same street] 44 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £149,000 | 06/09/2023 | Semi-detached |
| [Same street] 83 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £140,000 | 08/08/2023 | Semi-detached |
| 13 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £160,000 | 05/05/2023 | Semi-detached |
| [Same street] 69 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £172,000 | 06/12/2022 | Semi-detached |
| 56 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ | £84,827 | 01/12/2022 | Semi-detached |
| [Same street] 50 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET | £140,000 | 30/09/2022 | Semi-detached |
| 17 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ | £170,000 | 16/08/2022 | Semi-detached |
| 11 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £190,000 | 29/07/2022 | Semi-detached |
| 63 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £136,000 | 01/07/2022 | Semi-detached |
| 17 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £190,000 | 27/05/2022 | Semi-detached |
| 14 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £185,000 | 12/05/2022 | Semi-detached |
| 42 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £215,000 | 10/05/2022 | Semi-detached |
| 19 CHAPEL LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8EY | £290,000 | 23/03/2022 | Semi-detached |
| THREE WAYS CHARNLEYS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HH | £265,000 | 21/03/2022 | Semi-detached |
| 30 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £172,000 | 14/03/2022 | Semi-detached |
| 31 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £110,000 | 28/01/2022 | Semi-detached |
| 24 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ | £178,500 | 03/12/2021 | Semi-detached |
| 17 LONG LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8EX | £172,000 | 01/11/2021 | Semi-detached |
| 10 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £168,000 | 29/10/2021 | Semi-detached |
| 25 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG | £181,000 | 08/10/2021 | Semi-detached |
| 55 FLEETWOOD CRESCENT, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HF | £220,000 | 30/09/2021 | Semi-detached |
| 40 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ | £130,000 | 12/08/2021 | Semi-detached |
| 26 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE | £185,000 | 23/07/2021 | Semi-detached |

**Street average:** £201,500 (10 sales)
**Area average:** £178,991 (20 sales)

## Price vs local average

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

- **Local average:** £230,445 (97 Semi-detached, PR9, 2024–2026)
- **Deviation:** -43.6%

## Rental Range

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

- **Low:** £719/mo
- **Realistic:** £799/mo
- **Optimistic:** £879/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £598/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 Penthouse, Guinea Hall Mews, PR9 | £895/mo | 2 | 0.43 miles | OpenRent |

**Average rent: £895/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.69% (weak for cashflow)
- **Max investor price (0.8%):** £111,875
- **Target investor price (1%):** £89,500

*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 £895/mo).*

- **Gross yield:** 8.3%
- **Cost-to-rent:** 12.1×
- **Monthly cashflow:** £269/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.6%

*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:** £1,940/m²

## Capital growth trend

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

- **5y growth:** 8.4%
- **10y growth:** 35.3%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 7.3%
- **5y growth (index):** 31%
- **10y growth (index):** 51.1%

## 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)

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Property details

Floor area

67 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£125,000 Sep 2016

Price per m²

£1,940/m²

Local average

£230,445 (-43.6%)

Deprivation

Decile 3 (8,774 of 33,755)

Street crime

19 incidents within 1 mile (May 2026)

Key features

Semi Detached True Bungalow
Gas Central Heating and Upvc Double Glazing
Wet Room With Level Entry Shower
Established Gardens, Off Road Parking
Convenient For Local Amenities

Additional details

Parking: Yes
Garden: Yes

Description

We Like: This semi detached, true bungalow with gas central heating and Upvc double glazing. We Love: The easily managed accommodation includes two bedrooms, lounge, conservatory, kitchen and a wet room with level entry shower. We Say: The property has established gardens, off road parking and is convenient for local amenities and main facilities can be found at Churchtown Village and the Southport Town Centre.

Side Entrance -

Entrance Hall - Upvc outer door with double glazed and leaded insert. Laminate flooring extending to the majority of the rooms. Video handset to side gate.

Lounge - 4.47 x 3.17 - Laminate floor, attractive fire surround with marble effect interior and hearth with living flame gas fire. Door to....

Conservatory - 3.43 x 4.27 - Laminate floor. Upvc double glazed windows and double door to rear garden. Island kitchen unit with shelving and electric oven, archway to....

Kitchen - 2.49 x 1.65 - Upvc double glazed side window, base unit, wall cupboards, tiled walls, plumbing for washing machine, wall mounted Worcester combination style central heating boiler.

Bedroom 1 - 3.71 x 3.2 - Laminate floor, Upvc double glazed window.

Bedroom 2 - 3.07 x 2.57 - Laminate floor, Upvc double glazed window.

Wet Room/Shower - 2.49 x 1.52 - White suite including a walk in, level entry shower with thermostatic shower, pedestal wash hand basin, low level Wc, radiator/towel rail. Upvc double glazed window.

Outside - There are gardens to the front and rear, at the front there is a pressed concrete parking area for two cars, the attractive and landscaped rear garden is planned with borders edged with sleepers and provided with plants and shrubs, miniature trees, loose stone areas. Timber shed.

Tenure - Please note we have not verified the tenure of this property, please advise us if you require confirmation of the tenure.

Listed by

Southport

Chris Tinsley Estate Agents

Reference: 39512574

EPC Rating & Upgrade Cost

Current rating: F

Potential rating: C

Inspection date: 12/09/2016

Expiry date: 11/09/2026

Current heating cost: £1,393/year

Potential heating cost: £598/year

Est. upgrade cost to C: £17,435

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

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
Cavity wall insulation (£500 - £1,500)
Floor insulation (suspended floor) (£800 - £1,200)
Low energy lighting for all fixed outlets (£60)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
Flue gas heat recovery in conjunction with boiler (£400 - £900)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Property Floorplan

EPC Graphs

EE Rating

EI Rating

FENSA Certificates

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

FENSA Certificate #1453784

Property Details

Street: 81 Church Road

Town: Southport

Postcode: PR9 8ET

Installation Details

Items: 1 door

Certificate Issued: 02/02/2004

Work Completed: 27/01/2004

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	01/09/2016 (9 years ago)	£125,000	—

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
31 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£177,500	13/06/2025	Semi-detached
Same street 53 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£228,000	18/10/2024	Detached
Same street 52 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£455,000	12/06/2024	Detached
Same street 67 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£215,000	11/04/2024	Semi-detached
Same street 26 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£150,000	23/01/2024	Semi-detached
Same street 42 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£216,000	21/12/2023	Detached
Same street 17 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£150,000	19/09/2023	Flat
Same street 44 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£149,000	06/09/2023	Semi-detached
Same street 83 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£140,000	08/08/2023	Semi-detached
13 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£160,000	05/05/2023	Semi-detached
Same street 69 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£172,000	06/12/2022	Semi-detached
56 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ	£84,827	01/12/2022	Semi-detached
Same street 50 CHURCH ROAD, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8ET	£140,000	30/09/2022	Semi-detached
17 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ	£170,000	16/08/2022	Semi-detached
11 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£190,000	29/07/2022	Semi-detached
63 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£136,000	01/07/2022	Semi-detached
17 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£190,000	27/05/2022	Semi-detached
14 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£185,000	12/05/2022	Semi-detached
42 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£215,000	10/05/2022	Semi-detached
19 CHAPEL LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8EY	£290,000	23/03/2022	Semi-detached
THREE WAYS CHARNLEYS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HH	£265,000	21/03/2022	Semi-detached
30 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£172,000	14/03/2022	Semi-detached
31 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£110,000	28/01/2022	Semi-detached
24 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ	£178,500	03/12/2021	Semi-detached
17 LONG LANE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8EX	£172,000	01/11/2021	Semi-detached
10 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£168,000	29/10/2021	Semi-detached
25 BONDS LANE, BANKS, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HG	£181,000	08/10/2021	Semi-detached
55 FLEETWOOD CRESCENT, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HF	£220,000	30/09/2021	Semi-detached
40 AVELING DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8BJ	£130,000	12/08/2021	Semi-detached
26 FLEETWOOD DRIVE, SOUTHPORT, WEST LANCASHIRE, LANCASHIRE, PR9 8HE	£185,000	23/07/2021	Semi-detached

Street average: £201,500 (10 sales)

Area average: £178,991 (20 sales)

Capital growth trend

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

5y growth 8.4%

10y growth 35.3%

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

1y (index) 7.3%

5y (index) 31%

10y (index) 51.1%

Rental Range

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

Low £719/mo

Realistic £799/mo

Optimistic £879/mo

Based on Local Authority from postcode lookup → West Lancashire.

LHA (30th percentile) floor for Southport: £598/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View PR9 8ET

Nearby

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

Type	Name	Distance
Bus stop	Banks opp Fleetwood Drive	0.0 miles
Shop	NEWSAGENT	0.0 miles
Bus stop	Banks o/s Fleetwood Drive	0.0 miles
Shop	Windowcare	1.4 miles
Train station	Meols Cop	3.4 miles
Train station	Becconsall Station	3.5 miles
Hospital	Clifton Hospital	5.6 miles
Hospital	Children's A&E	8.3 miles
University	Milton House	8.4 miles
University	Edge Hill University	8.8 miles

Street-level crime

Category	Count
Violence and sexual offences	6
Anti-social behaviour	5
Criminal damage and arson	3
Burglary	1
Other theft	1
Possession of weapons	1
Public order	1
Shoplifting	1
Total incidents	19

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
Banks Methodist School	Primary	0.1 miles	Good — 12 Sep 2016
Banks St Stephen's CofE School	Primary	0.5 miles	Good — 17 Oct 2021
St John's Church of England Primary School	Primary	1.3 miles	Good — 25 Apr 2016
Tarleton Mere Brow Church of England Primary School	Primary	1.9 miles	Good — 16 Jul 2024
Peterhouse School	Other	2.0 miles	Requires improvement — 5 Jul 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
2 Bed Penthouse, Guinea Hall Mews, PR9	£895/mo	2	0.43 miles	OpenRent

Average rent: £895/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.69%

Max investor price (0.8%) £111,875

Target investor price (1%) £89,500

Gross yield 8.3%

Cost-to-rent ratio 12.1×

Monthly cashflow £269/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.6%

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).