Sold STC Terraced

19 TOP FARM COURT

BELPER, KILBURN, DERBYSHIRE DE56 0PU

2 beds 1 baths 72 m² Listed 14 Nov 2023 (-942d)

£140,000

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Reduced on 30 Oct 2024

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# 2 bedroom terraced bungalow for sale (DE56 0PU)

## Property Details

| Key | Value |
|-----|-------|
| Address | 19 TOP FARM COURT, BELPER, KILBURN, DERBYSHIRE DE56 0PU |
| Price | £140,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Last sold | £140,000 Jun 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** A
- **Expiry date:** 30/01/2031
- **Current heating cost:** £496/year
- **Est. upgrade cost to C:** £34,500

### Recommendations
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)
- V2 (£15,000 - £25,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0120-2709-3090-2079-6341)

## Description

**** **** SUPERB PROPERTY IN OVER 55'S COMPLEX! This three bedroom Dorma bungalow is not only in great condition and ready to move straight into it's also totally versatile as you can choose to have your bedroom upstairs or downstairs. Stunning communal gardens, fitted kitchen, combi gas central heating and double glazing. Your really need to view this property to appreciate the accommodation on offer. Call Woodward Estate Agents today on   to arrange a viewing.

**ENTRANCE** **HALLWAY** **** Double glazed front entrance door, radiator and stairs with a fitted stair lift leading to the first floor landing.

**BATHROOM/WC** **4' 10" x 8' 9" (1.48m x 2.67m)** Panelled bath with mains fed shower attachment and electric shower over, vanity wash hand basin and low level WC with concealed cistern.  Fully tiled wall covering, radiator, coving and double glazed obscured window to front.

**LIVING/DINING** **ROOM** **10' 0" x 15' 1" (3.05m x 4.60m)** Double glazed door to front with double glazed side panel, electric fire with surround, TV point, radiator and coving.

**KITCHEN** **9' 11" x 6' 3" (3.04m x 1.93m)** Vinyl flooring.  A range of base and wall units with rolled top worksurfaces and tiled splashbacks.  1 1/2 bowl sink and drainer unit with mixer tap, double eye level electric oven with gas hob and extractor fan over.  Space for fridge/freezer, plumbing for washing machine, radiator, coving, spot lighting and double glazed window to rear.

**LIVING** **ROOM/BEDROOM** **THREE** **11' 10" x 12' 6" (3.62m x 3.82m)** Double glazed patio doors to rear, TV point, electric fire with surround, radiator and coving.

**FIRST** **FLOOR** **LANDING** **** Radiator and double glazed Velux style window to rear.

**BEDROOM** **ONE** **10' 0" x 13' 11" (3.06m x 4.25m)** (Measured to the front of the wardrobe)  Two double glazed Velux style windows to front, radiator, double built in wardrobe and double storage cupboard housing combi boiler unit.

**BEDROOM** **TWO** **8' 5" x 10' 0" (2.59m x 3.07m)** Double glazed Velux style window to rear, radiator and single fitted storage cupboard.

**CLOAKROOM/WC** **5' 1" x 5' 10" (1.55m x 1.79m)** Low level WC, pedestal wash hand basin, tiled splash back, heated towel rail and double glazed Velux style window to front.

**OUTSIDE** **** The property comes with an allocated parking space and is surrounded by communal grounds. There is a communal social room and communal laundry.  The property is leasehold and is subject to a monthly maintenance fee which covers building insurance, maintenance and gardening of communal areas.

## Property Photos

- ![Front Elevation](/listings/photos/86674737/430028) - Front Elevation
- ![Living Room/Bedro...](/listings/photos/86674737/430029) - Living Room/Bedro...
- ![Kitchen](/listings/photos/86674737/430031) - Kitchen
- ![Living/Dining Roo...](/listings/photos/86674737/430032) - Living/Dining Roo...
- ![Bedroom One](/listings/photos/86674737/430033) - Bedroom One
- ![Bathroom/WC](/listings/photos/86674737/430034) - Bathroom/WC
- ![Rear Aspect](/listings/photos/86674737/430037) - Rear Aspect
- ![Living Room/Bedro...](/listings/photos/86674737/430039) - Living Room/Bedro...
- ![Rear Garden](/listings/photos/86674737/430041) - Rear Garden
- ![Bedroom Two](/listings/photos/86674737/430042) - Bedroom Two
- ![Bedroom One](/listings/photos/86674737/430044) - Bedroom One
- ![Cloakroom/WC](/listings/photos/86674737/430047) - Cloakroom/WC
- ![Living/Dining Roo...](/listings/photos/86674737/430049) - Living/Dining Roo...
- ![Kitchen](/listings/photos/86674737/430051) - Kitchen
- ![Bedroom Two](/listings/photos/86674737/430053) - Bedroom Two

## Floorplans

- ![Floorplan](/listings/photos/86674737/430055) - Floorplan

## EPC Graphs

- ![EPC Front Page](/listings/photos/86674737/430057) - EPC Front Page

## FENSA Certificates

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

### FENSA Certificate #1296286
- **Address:** 19 Top Farm Court, Kilburn, DE56 0PU
- **Certificate Issued:** 15/12/2003
- **Work Completed:** 14/11/2003
- **Items:** 1 door(s)

### FENSA Certificate #782771
- **Address:** 19 Top Farm Court, Kilburn, DE56 0PU
- **Certificate Issued:** 21/07/2003
- **Work Completed:** 06/06/2003
- **Items:** 3 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 19 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU | £140,000 | 02/06/2025 | 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 HIGHFIELD ROAD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LT | £130,000 | 01/12/2025 | Terraced |
| 22 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR | £125,000 | 16/11/2023 | Terraced |
| [Same street] 25 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU | £87,000 | 22/09/2023 | Flat |
| [Same street] 17 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU | £131,000 | 03/11/2022 | Terraced |
| 6 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR | £132,500 | 09/09/2022 | Terraced |
| [Same street] 8 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU | £145,000 | 16/08/2022 | Detached |
| [Same street] 20 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU | £120,000 | 29/06/2022 | Flat |
| 39 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR | £166,000 | 10/06/2022 | Terraced |
| 10 HIGHFIELD ROAD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LT | £135,950 | 29/04/2022 | Terraced |
| 18 CHURCH STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LU | £127,000 | 01/04/2022 | Terraced |
| 44 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR | £105,000 | 18/03/2022 | Terraced |
| 17 THE FLAT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LA | £318,000 | 11/02/2022 | Terraced |
| [Same street] 15 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU | £133,000 | 10/12/2021 | Semi-detached |
| 24 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR | £155,000 | 26/11/2021 | Terraced |
| 30 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR | £192,500 | 03/09/2021 | Terraced |
| 6 KERRYS YARD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LX | £102,500 | 13/08/2021 | Terraced |
| 29 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR | £104,000 | 16/07/2021 | Terraced |
| 4 KERRYS YARD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LX | £200,000 | 24/06/2021 | Terraced |
| 17 THE FLAT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LA | £310,000 | 16/06/2021 | Terraced |

**Street average:** £123,200 (5 sales)
**Area average:** £164,532 (14 sales)

## Price vs local average

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

- **Local average:** £204,060 (36 Terraced, DE56, 2024–2026)
- **Deviation:** -31.4%

## Rental Range

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

- **Low:** £708/mo
- **Realistic:** £787/mo
- **Optimistic:** £866/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Peaks & Dales (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 Terraced House, Danesby Rise, DE5 | £825/mo | 2 | 0.37 miles | OpenRent |

**Average rent: £825/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.59% (weak for cashflow)
- **Max investor price (0.8%):** £103,125
- **Target investor price (1%):** £82,500

*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 £825/mo).*

- **Gross yield:** 7.1%
- **Cost-to-rent:** 14.1×
- **Monthly cashflow:** £166/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 4.9%

*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:** £1,944/m²

## Capital growth trend

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

- **5y growth:** 3.7%
- **10y growth:** 23.7%

## House Price Index (HM Land Registry)

*Official index for Amber Valley; Terraced series; as of March 2026.*

- **1y growth (index):** 2.5%
- **5y growth (index):** 21.1%
- **10y growth (index):** 62.9%

## 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)

Front Elevation Living Room/Bedro... Kitchen Living/Dining Roo... Bedroom One Bathroom/WC Rear Aspect Living Room/Bedro... Rear Garden Bedroom Two Bedroom One Cloakroom/WC Living/Dining Roo... Kitchen Bedroom Two

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Property details

Tenure

LEASEHOLD (100 years remaining on lease)

Floor area

72 m²

Council tax band

EPC rating

Last sold

£140,000 Jun 2025

Price per m²

£1,944/m²

Local average

£204,060 (-31.4%)

Deprivation

Decile 3 (9,405 of 33,755)

Street crime

19 incidents within 1 mile (Apr 2026)

Key features

Dorma Bungalow
Two/Three Bedrooms
EPC Rating C
Living/Dining Room
Ground Floor Bathroom
On site Warden with 24 hour Emergency call system
Communal Gardens
Laundry facilities and Residents lounge
No Chain
Parking Space

Additional details

Heating: Gas central
Parking: Off street

Description

** SUPERB PROPERTY IN OVER 55'S COMPLEX! This three bedroom Dorma bungalow is not only in great condition and ready to move straight into it's also totally versatile as you can choose to have your bedroom upstairs or downstairs. Stunning communal gardens, fitted kitchen, combi gas central heating and double glazing. Your really need to view this property to appreciate the accommodation on offer. Call Woodward Estate Agents today on to arrange a viewing.

ENTRANCE HALLWAY Double glazed front entrance door, radiator and stairs with a fitted stair lift leading to the first floor landing.

BATHROOM/WC 4' 10" x 8' 9" (1.48m x 2.67m) Panelled bath with mains fed shower attachment and electric shower over, vanity wash hand basin and low level WC with concealed cistern. Fully tiled wall covering, radiator, coving and double glazed obscured window to front.

LIVING/DINING ROOM 10' 0" x 15' 1" (3.05m x 4.60m) Double glazed door to front with double glazed side panel, electric fire with surround, TV point, radiator and coving.

KITCHEN 9' 11" x 6' 3" (3.04m x 1.93m) Vinyl flooring. A range of base and wall units with rolled top worksurfaces and tiled splashbacks. 1 1/2 bowl sink and drainer unit with mixer tap, double eye level electric oven with gas hob and extractor fan over. Space for fridge/freezer, plumbing for washing machine, radiator, coving, spot lighting and double glazed window to rear.

LIVING ROOM/BEDROOM THREE 11' 10" x 12' 6" (3.62m x 3.82m) Double glazed patio doors to rear, TV point, electric fire with surround, radiator and coving.

FIRST FLOOR LANDING Radiator and double glazed Velux style window to rear.

BEDROOM ONE 10' 0" x 13' 11" (3.06m x 4.25m) (Measured to the front of the wardrobe) Two double glazed Velux style windows to front, radiator, double built in wardrobe and double storage cupboard housing combi boiler unit.

BEDROOM TWO 8' 5" x 10' 0" (2.59m x 3.07m) Double glazed Velux style window to rear, radiator and single fitted storage cupboard.

CLOAKROOM/WC 5' 1" x 5' 10" (1.55m x 1.79m) Low level WC, pedestal wash hand basin, tiled splash back, heated towel rail and double glazed Velux style window to front.

OUTSIDE ** The property comes with an allocated parking space and is surrounded by communal grounds. There is a communal social room and communal laundry. The property is leasehold and is subject to a monthly maintenance fee which covers building insurance, maintenance and gardening of communal areas.

Listed by

Ripley

Laura Woodward Estate Agents

Reference: 86674737

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: A

Inspection date: 31/01/2021

Expiry date: 30/01/2031

Current heating cost: £496/year

Potential heating cost: £455/year

Est. upgrade cost to C: £34,500

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)
Wind turbine (£15,000 - £25,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Front Page

FENSA Certificates

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

FENSA Certificate #1296286

Property Details

Street: 19 Top Farm Court

Town: Kilburn

Postcode: DE56 0PU

Installation Details

Items: 1 door

Certificate Issued: 15/12/2003

Work Completed: 14/11/2003

This certificate data was retrieved from FENSA's database

FENSA Certificate #782771

Property Details

Street: 19 Top Farm Court

Town: Kilburn

Postcode: DE56 0PU

Installation Details

Items: 3 windows

Certificate Issued: 21/07/2003

Work Completed: 06/06/2003

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	02/06/2025 (1 year ago)	£140,000	—

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 HIGHFIELD ROAD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LT	£130,000	01/12/2025	Terraced
22 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR	£125,000	16/11/2023	Terraced
Same street 25 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU	£87,000	22/09/2023	Flat
Same street 17 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU	£131,000	03/11/2022	Terraced
6 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR	£132,500	09/09/2022	Terraced
Same street 8 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU	£145,000	16/08/2022	Detached
Same street 20 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU	£120,000	29/06/2022	Flat
39 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR	£166,000	10/06/2022	Terraced
10 HIGHFIELD ROAD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LT	£135,950	29/04/2022	Terraced
18 CHURCH STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LU	£127,000	01/04/2022	Terraced
44 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR	£105,000	18/03/2022	Terraced
17 THE FLAT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LA	£318,000	11/02/2022	Terraced
Same street 15 TOP FARM COURT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0PU	£133,000	10/12/2021	Semi-detached
24 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR	£155,000	26/11/2021	Terraced
30 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR	£192,500	03/09/2021	Terraced
6 KERRYS YARD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LX	£102,500	13/08/2021	Terraced
29 CHAPEL STREET, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0NR	£104,000	16/07/2021	Terraced
4 KERRYS YARD, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LX	£200,000	24/06/2021	Terraced
17 THE FLAT, KILBURN, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 0LA	£310,000	16/06/2021	Terraced

Street average: £123,200 (5 sales)

Area average: £164,532 (14 sales)

Capital growth trend

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

5y growth 3.7%

10y growth 23.7%

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

1y (index) 2.5%

5y (index) 21.1%

10y (index) 62.9%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: METROPOLITAN HOUSING TRUST LIMITED (IP16337R)

Rental Range

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

Low £708/mo

Realistic £787/mo

Optimistic £866/mo

Based on Local Authority from postcode lookup → Amber Valley.

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

Location

Map view View on Google Maps View on OpenStreetMap Street View DE56 0PU

Nearby

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

Type	Name	Distance
Shop	Vanity	0.0 miles
Bus stop	School	0.0 miles
Shop	Metro Food Store	0.3 miles
Hospital	Babington Hospital	2.2 miles
Train station	Belper	2.2 miles
Train station	Duffield	2.5 miles
Hospital	Ripley Hospital	2.9 miles
University	University of Derby	5.5 miles
University	Institute for Innovation in Sustainable Engineering (University of Derby)	5.9 miles

Street-level crime

Category	Count
Violence and sexual offences	9
Public order	4
Anti-social behaviour	3
Criminal damage and arson	1
Other crime	1
Other theft	1
Total incidents	19

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
Kilburn Infant and Nursery School	Primary	0.1 miles	Good — 13 Nov 2022
Kilburn Junior School	Primary	0.1 miles	Good — 26 Sep 2014
John Flamsteed Community School	Secondary	0.7 miles	Good — 11 Feb 2016
Horsley CofE (Controlled) Primary School	Primary	0.9 miles	Good — 19 Jan 2016
Holbrook Church of England Primary School	Primary	1.0 miles	Good — 11 Jan 2012

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 Terraced House, Danesby Rise, DE5	£825/mo	2	0.37 miles	OpenRent

Average rent: £825/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.59%

Max investor price (0.8%) £103,125

Target investor price (1%) £82,500

Gross yield 7.1%

Cost-to-rent ratio 14.1×

Monthly cashflow £166/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 4.9%

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).