Sold STC End of terrace

17 RICHMOND AVENUE

ILKESTON, DERBYSHIRE DE7 8QY

2 beds 1 baths 98 m² Listed 8 Jul 2022 (-1486d)

£145,000

Reduced on 27 Aug 2022

Save

# 2 bedroom end of terrace house for sale (DE7 8QY)

## Property Details

| Key | Value |
|-----|-------|
| Address | 17 RICHMOND AVENUE, ILKESTON, DERBYSHIRE DE7 8QY |
| Price | £145,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Last sold | £140,000 Dec 2022 |

## Description

**IMPORTANT NOTE TO POTENTIAL PURCHASERS & TENANTS:**

We endeavour to make our particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. The services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All photographs and measurements have been taken as a guide only and are not precise. Floor plans where included are not to scale and accuracy is not guaranteed. If you require clarification or further information on any points, please contact us, especially if you are traveling some distance to view. POTENTIAL PURCHASERS: Fixtures and fittings other than those mentioned are to be agreed with the seller. POTENTIAL TENANTS: All properties are available for a minimum length of time, with the exception of short term accommodation. Please contact the branch for details. A security deposit of at least one month’s rent is required. Rent is to be paid one month in advance. It is the tenant’s responsibility to insure any personal possessions. Payment of all utilities including water rates or metered supply and Council Tax is the responsibility of the tenant in every case.

ILK220428/2

## Property Photos

- ![PHOTOGRAPHY](/listings/photos/124809071/1585457) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/124809071/1585459) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/124809071/1585462) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/124809071/1585465) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/124809071/1585467) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/124809071/1585468) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/124809071/1585469) - PHOTOGRAPHY
- ![PHOTOGRAPHY](/listings/photos/124809071/1585470) - PHOTOGRAPHY

## Floorplans

- ![FLOOR-PLAN](/listings/photos/124809071/1585472) - FLOOR-PLAN

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/124809071/1585474) - EPC Rating Graph

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #7339755
- **Address:** 17 Richmond Avenue, ILKESTON, DE7 8QY
- **Certificate Issued:** 03/05/2010
- **Work Completed:** 17/03/2010
- **Items:** 1 window(s)

### FENSA Certificate #14613534
- **Address:** 17 Richmond Avenue, ILKESTON, DE7 8QY
- **Certificate Issued:** 30/05/2021
- **Work Completed:** 17/05/2021
- **Items:** 1 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 17 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £140,000 | 19/12/2022 | Terraced |
| 17 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £130,000 | 29/09/2021 | 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 |
|---------|-------|------|------|
| 57 WESLEY STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QW | £140,000 | 04/12/2025 | Terraced |
| 156 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QT | £130,000 | 24/11/2025 | Terraced |
| [Same street] 61 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £145,000 | 21/03/2025 | Detached |
| [Same street] 50 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £149,950 | 26/02/2025 | Semi-detached |
| [Same street] 60 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £145,000 | 20/11/2024 | Terraced |
| [Same street] 49 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £144,000 | 08/08/2024 | Terraced |
| [Same street] 47 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £180,000 | 01/08/2024 | Terraced |
| 232 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PE | £92,500 | 23/11/2023 | Terraced |
| [Same street] 24 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £135,000 | 25/08/2023 | Terraced |
| 128 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NZ | £127,000 | 30/06/2023 | Terraced |
| [Same street] 13 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £144,000 | 06/03/2023 | Terraced |
| [Same street] 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £173,000 | 17/02/2023 | Semi-detached |
| 24 STRATFORD STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QZ | £117,500 | 22/12/2022 | Terraced |
| [Same street] 19 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £164,000 | 02/12/2022 | Terraced |
| 55 BRIDGE STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8RD | £160,000 | 01/12/2022 | Terraced |
| 140 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NZ | £230,000 | 28/11/2022 | Terraced |
| 3 BENNERLEY AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PF | £122,500 | 20/10/2022 | Terraced |
| 12 WESLEY STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QW | £93,000 | 18/10/2022 | Terraced |
| 8 FOXLEY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WR | £141,000 | 14/10/2022 | Terraced |
| 30A MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU | £120,000 | 30/09/2022 | Terraced |
| 40 BRIDGE STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8RD | £87,000 | 22/09/2022 | Terraced |
| 38 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU | £150,000 | 12/09/2022 | Terraced |
| 50 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU | £140,000 | 19/08/2022 | Terraced |
| 16 MILTON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NX | £118,000 | 31/05/2022 | Terraced |
| 9 VERNON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PD | £115,000 | 19/05/2022 | Terraced |
| 1 LINGS CLOSE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WT | £110,000 | 11/05/2022 | Terraced |
| [Same street] 5 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £130,000 | 22/04/2022 | Terraced |
| 21 VERNON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PD | £97,500 | 08/04/2022 | Terraced |
| [Same street] 20 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £85,000 | 31/03/2022 | Terraced |
| 226 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PE | £110,000 | 16/03/2022 | Terraced |
| 3 MILTON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NX | £130,000 | 28/02/2022 | Terraced |
| [Same street] 52 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £162,000 | 20/01/2022 | Semi-detached |
| [Same street] 23 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £117,100 | 08/12/2021 | Terraced |
| [Same street] 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY | £112,000 | 01/12/2021 | Semi-detached |

**Street average:** £141,861 (14 sales)
**Area average:** £126,550 (20 sales)

## Price vs local average

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

- **Local average:** £151,919 (62 Terraced, DE7, 2024–2026)
- **Deviation:** -4.6%

## Rental Range

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

- **Low:** £752/mo
- **Realistic:** £835/mo
- **Optimistic:** £919/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £593/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 End Terrace, Bridge Street, DE7 | £740/mo | 2 | 0.1 miles | OpenRent |

**Average rent: £740/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.51% (weak for cashflow)
- **Max investor price (0.8%):** £92,500
- **Target investor price (1%):** £74,000

*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 £740/mo).*

- **Gross yield:** 6.1%
- **Cost-to-rent:** 16.3×
- **Monthly cashflow:** £70/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2%

*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:** 11.8%
- **10y growth:** 40%

## House Price Index (HM Land Registry)

*Official index for Erewash; Terraced series; as of April 2026.*

- **1y growth (index):** 0.8%
- **5y growth (index):** 18.9%
- **10y growth (index):** 57.7%

## 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

Tenure

FREEHOLD

Floor area

98 m²

Last sold

£140,000 Dec 2022

Local average

£151,919 (-4.6%)

Deprivation

Decile 1 (1,431 of 33,755)

Street crime

204 incidents within 1 mile (May 2026)

Key features

END TERRACE
TWO DOUBLE BEDROOMS
EPC RATING D
SPACIOUS LOUNGE DINER
BEAUTIFUL GARDEN
CLOSE TO AMENITIES
EXTRA STUDY ROOM
READY TO MOVE INTO

Additional details

Garden: Yes

Description

YOUR MOVE ILKESTON are delighted to bring this property to the market! A two large double bedroom end terrace with additional study, and a beautiful rear garden; perfect for you and your family! This would be a great purchase to get onto the property ladder! Call now to view.

IMPORTANT NOTE TO POTENTIAL PURCHASERS & TENANTS:
We endeavour to make our particulars accurate and reliable, however, they do not constitute or form part of an offer or any contract and none is to be relied upon as statements of representation or fact. The services, systems and appliances listed in this specification have not been tested by us and no guarantee as to their operating ability or efficiency is given. All photographs and measurements have been taken as a guide only and are not precise. Floor plans where included are not to scale and accuracy is not guaranteed. If you require clarification or further information on any points, please contact us, especially if you are traveling some distance to view. POTENTIAL PURCHASERS: Fixtures and fittings other than those mentioned are to be agreed with the seller. POTENTIAL TENANTS: All properties are available for a minimum length of time, with the exception of short term accommodation. Please contact the branch for details. A security deposit of at least one month’s rent is required. Rent is to be paid one month in advance. It is the tenant’s responsibility to insure any personal possessions. Payment of all utilities including water rates or metered supply and Council Tax is the responsibility of the tenant in every case.

ILK220428/2

Listed by

Ilkeston

National Home Move - LSL Franchise

Reference: 124809071

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

FLOOR-PLAN

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 2 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #7339755

Property Details

Street: 17 Richmond Avenue

Town: ILKESTON

Postcode: DE7 8QY

Installation Details

Items: 1 window

Certificate Issued: 03/05/2010

Work Completed: 17/03/2010

This certificate data was retrieved from FENSA's database

FENSA Certificate #14613534

Property Details

Street: 17 Richmond Avenue

Town: ILKESTON

Postcode: DE7 8QY

Installation Details

Items: 1 window and 1 door

Certificate Issued: 30/05/2021

Work Completed: 17/05/2021

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

8% since 2021

Event	Date	Price	% change
Sold	19/12/2022 (3 years ago)	£140,000	+7.7%
Sold	29/09/2021 (4 years ago)	£130,000	—

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
57 WESLEY STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QW	£140,000	04/12/2025	Terraced
156 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QT	£130,000	24/11/2025	Terraced
Same street 61 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£145,000	21/03/2025	Detached
Same street 50 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£149,950	26/02/2025	Semi-detached
Same street 60 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£145,000	20/11/2024	Terraced
Same street 49 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£144,000	08/08/2024	Terraced
Same street 47 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£180,000	01/08/2024	Terraced
232 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PE	£92,500	23/11/2023	Terraced
Same street 24 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£135,000	25/08/2023	Terraced
128 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NZ	£127,000	30/06/2023	Terraced
Same street 13 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£144,000	06/03/2023	Terraced
Same street 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£173,000	17/02/2023	Semi-detached
24 STRATFORD STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QZ	£117,500	22/12/2022	Terraced
Same street 19 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£164,000	02/12/2022	Terraced
55 BRIDGE STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8RD	£160,000	01/12/2022	Terraced
140 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NZ	£230,000	28/11/2022	Terraced
3 BENNERLEY AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PF	£122,500	20/10/2022	Terraced
12 WESLEY STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QW	£93,000	18/10/2022	Terraced
8 FOXLEY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WR	£141,000	14/10/2022	Terraced
30A MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU	£120,000	30/09/2022	Terraced
40 BRIDGE STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8RD	£87,000	22/09/2022	Terraced
38 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU	£150,000	12/09/2022	Terraced
50 MILTON ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NU	£140,000	19/08/2022	Terraced
16 MILTON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NX	£118,000	31/05/2022	Terraced
9 VERNON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PD	£115,000	19/05/2022	Terraced
1 LINGS CLOSE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8WT	£110,000	11/05/2022	Terraced
Same street 5 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£130,000	22/04/2022	Terraced
21 VERNON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PD	£97,500	08/04/2022	Terraced
Same street 20 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£85,000	31/03/2022	Terraced
226 COTMANHAY ROAD, ILKESTON, EREWASH, DERBYSHIRE, DE7 8PE	£110,000	16/03/2022	Terraced
3 MILTON STREET, ILKESTON, EREWASH, DERBYSHIRE, DE7 8NX	£130,000	28/02/2022	Terraced
Same street 52 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£162,000	20/01/2022	Semi-detached
Same street 23 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£117,100	08/12/2021	Terraced
Same street 62 RICHMOND AVENUE, ILKESTON, EREWASH, DERBYSHIRE, DE7 8QY	£112,000	01/12/2021	Semi-detached

Street average: £141,861 (14 sales)

Area average: £126,550 (20 sales)

Capital growth trend

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

5y growth 11.8%

10y growth 40%

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

1y (index) 0.8%

5y (index) 18.9%

10y (index) 57.7%

Rental Range

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

Low £752/mo

Realistic £835/mo

Optimistic £919/mo

Based on Local Authority from postcode lookup → Erewash.

LHA (30th percentile) floor for Derby: £593/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View DE7 8QY

Nearby

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

Type	Name	Distance
Bus stop	Cotmanhay Road / Vernon Street	0.1 miles
Bus stop	Bridge Street	0.1 miles
Shop	Bright Street Laundry	0.3 miles
Shop	Canalside Cars Ltd	0.5 miles
Train station	Ilkeston	0.8 miles
Train station	Langley Mill	2.3 miles
Hospital	Queens Medical Centre	5.9 miles
Hospital	NHS Treatment Centre	6.1 miles
University	Chaucer Study Space	6.7 miles
University	Derby Law School	8.7 miles

Street-level crime

Category	Count
Violence and sexual offences	102
Anti-social behaviour	21
Public order	20
Criminal damage and arson	18
Shoplifting	10
Other theft	8
Vehicle crime	8
Drugs	7
Other crime	4
Burglary	2
Robbery	2
Bicycle theft	1
Possession of weapons	1
Total incidents	204

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
Esteem Valley Academy	Other	0.1 miles	Good — 14 Jan 2019
Bennerley Fields School	Other	0.1 miles	Good — 8 Mar 2023
Cotmanhay Junior School	Primary	0.3 miles	— (Inspected (no overall grade))
Cotmanhay Infant and Nursery School	Primary	0.3 miles	Good — 19 Jan 2022
Charlotte Nursery and Infant School	Primary	0.5 miles	Outstanding — 5 Mar 2014

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 End Terrace, Bridge Street, DE7	£740/mo	2	0.1 miles	OpenRent

Average rent: £740/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.51%

Max investor price (0.8%) £92,500

Target investor price (1%) £74,000

Gross yield 6.1%

Cost-to-rent ratio 16.3×

Monthly cashflow £70/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 2%

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).

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