Sold STC Terraced

20 LEONARD STREET

NEATH, NEATH PORT TALBOT SA11 3HN

2 beds 1 baths Listed 9 Oct 2025 (-296d)

£224,950

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# 2 bedroom terraced house for sale (SA11 3HN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 20 LEONARD STREET, NEATH, NEATH PORT TALBOT SA11 3HN |
| Price | £224,950 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | B |
| Last sold | £225,500 Feb 2026 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 04/02/2030
- **Current heating cost:** £1,103/year
- **Est. upgrade cost to C:** £26,775

### Recommendations
- A2 (£850 - £1,500)
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- 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/8505-4956-3822-6007-1203)

## Description

**Main Dwelling** -

**Composite Front Door Into Inner Hall** -

**Hallway** - Wooden floor, original ceiling features, radiator.

**Living Room** - 3.73m x 4.06m (into bay) (12'3 x 13'4 (into bay)) - Wooden flooring, coving, feature fireplace, radiator and bay window to front.

**Lounge** - 2.67m x 3.53m (8'9 x 11'7) - Wooden flooring, coving, fireplace and radiator, door into utility room and door into garden.

**Cloakroom** - understairs w/c (understairs w/c) - Low level w/c and sink with mixer tap, heated towel rail.

**Kitchen/Diner** - 3.45m x 2.79m (11'4 x 9'2) - "A beautiful, modern family kitchen and dining room featuring sleek porcelain floor tiles and stylish light grey wall and base units. The space is both functional and elegant, offering room for a washing machine and a fridge/freezer. The kitchen is equipped with a seven-ring gas hob, an electric oven, and an extractor fan overhead. A charming butler’s sink with a mixer tap adds character, while a corner pantry with built-in shelving provides ample storage. This kitchen is the perfect blend of modern design and practicality, ideal for family living and entertaining."

**Dining Area** - 2.67m x 2.77m (8'9 x 9'1) - Feature radiators, log burner, breakfast bar, patio doors to garden.

**Landing** - Stairs to the attic room.

**Bedroom 1** - 3.07m x 3.86m (10'1 x 12'8) - Built in wardrobes, 2 windows to front, feature panelling and radiator.

**Bedroom 2** - 2.92m x 3.58m (9'7 x 11'9) - Built in wardrobe, window to back, laminate flooring and radiator.

**Bathroom** - 2.67m x 3.56m (8'9 x 11'8) - Walk in shower partially tiled, tiled flooring, low level w/c, bath with feature tap, heated towel rail, cupboard housing boiler and storage, wooden sink surround with mixer tap, window to back.

**Attic Room** - 4.32m x 4.50m (into eaves) (14'2 x 14'9 (into eave - Converted attic space, 2 Velux windows, radiator.

**Garden** - Paved area, artificial grass area, shed and gated access to rear.

**Drone** -

**Agents Notes** - Conservation Area - No

Flood Risk - No Risk

Floor Area - 1,270 ft 2 / 118 m 2

Plot size - 0.04 acres

Mobile coverage

Vodafone

Three

Broadband

Basic

16 Mbps

Superfast

80 Mbps

Ultrafast

1000 Mbps

Satellite / Fibre TV Availability

Sky

Virgin

**Agents Notes** - Neath Port Talbot Council Tax Band: B

Annual Price: £1,774 (min)

## Property Photos

- ![Main dwelling](/listings/photos/168046337/1392935) - Main dwelling
- ![Bathroom](/listings/photos/168046337/1392936) - Bathroom
- ![Hallway](/listings/photos/168046337/1392937) - Hallway
- ![Bathroom](/listings/photos/168046337/1392938) - Bathroom
- ![Bedroom 2](/listings/photos/168046337/1392939) - Bedroom 2
- ![Bedroom 2](/listings/photos/168046337/1392940) - Bedroom 2
- ![Landing](/listings/photos/168046337/1392941) - Landing
- ![Attic space](/listings/photos/168046337/1392942) - Attic space
- ![Garden](/listings/photos/168046337/1392943) - Garden
- ![Garden](/listings/photos/168046337/1392944) - Garden
- ![Living room](/listings/photos/168046337/1392945) - Living room
- ![Living room](/listings/photos/168046337/1392946) - Living room
- ![Kitchen/diner](/listings/photos/168046337/1392947) - Kitchen/diner
- ![Kitchen/diner](/listings/photos/168046337/1392948) - Kitchen/diner
- ![Kitchen/diner](/listings/photos/168046337/1392949) - Kitchen/diner
- ![Dining area](/listings/photos/168046337/1392950) - Dining area
- ![Lounge](/listings/photos/168046337/1392951) - Lounge
- ![Lounge](/listings/photos/168046337/1392952) - Lounge
- ![Bedroom 1](/listings/photos/168046337/1392953) - Bedroom 1
- ![Bedroom 1](/listings/photos/168046337/1392954) - Bedroom 1

## Floorplans

- ![Leonard Street (2).jpg](/listings/photos/168046337/1392955) - Leonard Street (2).jpg

## EPC Graphs

- ![EE Rating](/listings/photos/168046337/1392956) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 20 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN | £225,500 | 10/02/2026 | Terraced |
| 20 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN | £160,000 | 17/02/2021 | 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 |
|---------|-------|------|------|
| 18 THORBURN CLOSE, NEATH, NEATH PORT TALBOT, SA11 1RH | £149,950 | 09/01/2026 | Terraced |
| 88 GNOLL PARK ROAD, NEATH, NEATH PORT TALBOT, SA11 3DD | £260,000 | 17/12/2025 | Terraced |
| 49 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HW | £190,000 | 17/12/2025 | Terraced |
| 87 IVY AVENUE, NEATH, NEATH PORT TALBOT, SA11 3DU | £130,000 | 28/11/2025 | Terraced |
| 7 THORBURN CLOSE, NEATH, NEATH PORT TALBOT, SA11 1RH | £95,000 | 28/08/2025 | Terraced |
| 33 PENYDRE, NEATH, NEATH PORT TALBOT, SA11 3HE | £92,000 | 25/07/2025 | Terraced |
| 111 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HP | £165,000 | 10/07/2025 | Terraced |
| 14 LLANTWIT ROAD, NEATH, NEATH PORT TALBOT, SA11 3LB | £145,000 | 23/06/2025 | Terraced |
| 1 PARK STREET, NEATH, NEATH PORT TALBOT, SA11 3DF | £260,000 | 30/05/2025 | Terraced |
| 14 DIGBY ROAD, NEATH, NEATH PORT TALBOT, SA11 3HY | £82,482 | 18/03/2025 | Terraced |
| 10 IDWAL STREET, NEATH, NEATH PORT TALBOT, SA11 3HR | £130,000 | 17/02/2025 | Terraced |
| 14 HIBBERT ROAD, NEATH, NEATH PORT TALBOT, SA11 3DE | £175,000 | 28/12/2023 | Terraced |
| 28 IDWAL STREET, NEATH, NEATH PORT TALBOT, SA11 3HR | £55,000 | 20/11/2023 | Terraced |
| 60 IDWAL STREET, NEATH, NEATH PORT TALBOT, SA11 3HR | £72,000 | 20/10/2023 | Terraced |
| 5 DIGBY ROAD, NEATH, NEATH PORT TALBOT, SA11 3HY | £105,000 | 20/10/2023 | Terraced |
| 89 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HP | £100,000 | 23/08/2023 | Terraced |
| 12A THORBURN CLOSE, NEATH, NEATH PORT TALBOT, SA11 1RH | £91,500 | 17/07/2023 | Terraced |
| 1 LLANTWIT ROAD, NEATH, NEATH PORT TALBOT, SA11 3LD | £110,000 | 26/06/2023 | Terraced |
| 113 LLANTWIT ROAD, NEATH, NEATH PORT TALBOT, SA11 3LA | £110,000 | 14/06/2023 | Terraced |
| 89 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HP | £80,000 | 08/06/2023 | Terraced |
| [Same street] 26 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN | £155,000 | 28/02/2023 | Terraced |
| [Same street] 50 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN | £155,000 | 11/11/2022 | Terraced |
| [Same street] 14 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN | £185,000 | 15/07/2022 | Terraced |
| [Same street] 2 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN | £82,500 | 07/07/2022 | Terraced |

**Street average:** £144,375 (4 sales)
**Area average:** £129,897 (20 sales)

## Price vs local average

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

- **Local average:** £124,060 (80 Terraced, SA11, 2024–2026)
- **Deviation:** +81.3%

## Rental Range

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

- **Low:** £618/mo
- **Realistic:** £687/mo
- **Optimistic:** £756/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, Brookdale Street, SA11 | £745/mo | 2 | 0.74 miles | OpenRent |
| 2 Bed Terraced House, Taylors Row, SA11 | £795/mo | 2 | 0.93 miles | OpenRent |

**Average rent: £770/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.34% (weak for cashflow)
- **Max investor price (0.8%):** £96,250
- **Target investor price (1%):** £77,000

*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 £770/mo).*

- **Gross yield:** 4.1%
- **Cost-to-rent:** 24.3×
- **Monthly cashflow:** £-218/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -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:** £1,906/m²

## Capital growth trend

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

- **5y growth:** 28.7%
- **10y growth:** 51.1%

## House Price Index (HM Land Registry)

*Official index for Neath Port Talbot; Terraced series; as of April 2026.*

- **1y growth (index):** -0.7%
- **5y growth (index):** 26.4%
- **10y growth (index):** 65.6%

## 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)

Main dwelling Bathroom Hallway Bathroom Bedroom 2 Bedroom 2 Landing Attic space Garden Garden Living room Living room Kitchen/diner Kitchen/diner Kitchen/diner Dining area Lounge Lounge Bedroom 1 Bedroom 1

/ 20

Property details

Tenure

FREEHOLD

Council tax band

EPC rating

Last sold

£225,500 Feb 2026

Price per m²

£1,906/m²

Local average

£124,060 (+81.3%)

Street crime

216 incidents within 1 mile (May 2026)

Key features

EPC RATING D
LEVEL LOCATION
IDEAL FAMILY HOME
ENLOSED BACK GARDEN
COUNCIL TAX BAND B
CLOSE TO TOWN CENTRE
MODERN KITCHEN
LOG BURNER
CLOSE TO LOCAL SCHOOLS
KITCHEN/DINER

Additional details

Garden: Yes

Description

Situated on a level location close to local schools, the popular Gnoll Country Park and a short distance from all amenities and facilities at Neath Town Centre, a mid-terraced family home that has been tastefully improved and modernised to a very high standard by the present owner, offering spacious accommodation over 3 floors to include 2 good size reception rooms, beautiful kitchen/dining room with wood burner, cloakroom to the ground floor, 2 bedrooms and stunning bathroom to the first floor and attic room suitable as playroom, office or storage room, externally, there is a back garden and enclosed low maintenance garden with patio area and artificial grass, viewing is highly recommended to appreciate the finish in this lovely property.

Main Dwelling -

Composite Front Door Into Inner Hall -

Hallway - Wooden floor, original ceiling features, radiator.

Living Room - 3.73m x 4.06m (into bay) (12'3 x 13'4 (into bay)) - Wooden flooring, coving, feature fireplace, radiator and bay window to front.

Lounge - 2.67m x 3.53m (8'9 x 11'7) - Wooden flooring, coving, fireplace and radiator, door into utility room and door into garden.

Cloakroom - understairs w/c (understairs w/c) - Low level w/c and sink with mixer tap, heated towel rail.

Kitchen/Diner - 3.45m x 2.79m (11'4 x 9'2) - "A beautiful, modern family kitchen and dining room featuring sleek porcelain floor tiles and stylish light grey wall and base units. The space is both functional and elegant, offering room for a washing machine and a fridge/freezer. The kitchen is equipped with a seven-ring gas hob, an electric oven, and an extractor fan overhead. A charming butler’s sink with a mixer tap adds character, while a corner pantry with built-in shelving provides ample storage. This kitchen is the perfect blend of modern design and practicality, ideal for family living and entertaining."

Dining Area - 2.67m x 2.77m (8'9 x 9'1) - Feature radiators, log burner, breakfast bar, patio doors to garden.

Landing - Stairs to the attic room.

Bedroom 1 - 3.07m x 3.86m (10'1 x 12'8) - Built in wardrobes, 2 windows to front, feature panelling and radiator.

Bedroom 2 - 2.92m x 3.58m (9'7 x 11'9) - Built in wardrobe, window to back, laminate flooring and radiator.

Bathroom - 2.67m x 3.56m (8'9 x 11'8) - Walk in shower partially tiled, tiled flooring, low level w/c, bath with feature tap, heated towel rail, cupboard housing boiler and storage, wooden sink surround with mixer tap, window to back.

Attic Room - 4.32m x 4.50m (into eaves) (14'2 x 14'9 (into eave - Converted attic space, 2 Velux windows, radiator.

Garden - Paved area, artificial grass area, shed and gated access to rear.

Drone -

Agents Notes - Conservation Area - No
Flood Risk - No Risk
Floor Area - 1,270 ft 2 / 118 m 2
Plot size - 0.04 acres

Mobile coverage
EE
Vodafone
Three
O2

Broadband
Basic
16 Mbps
Superfast
80 Mbps
Ultrafast
1000 Mbps

Satellite / Fibre TV Availability
BT
Sky
Virgin

Agents Notes - Neath Port Talbot Council Tax Band: B
Annual Price: £1,774 (min)

Listed by

Neath

Astley Residential Limited

Reference: 168046337

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 05/02/2020

Expiry date: 04/02/2030

Current heating cost: £1,103/year

Potential heating cost: £659/year

Est. upgrade cost to C: £26,775

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

Recommendations

Flat roof or sloping ceiling insulation (£850 - £1,500)
Room-in-roof insulation (£1,500 - £2,700)
50 mm internal or external wall insulation (£4,000 - £14,000)
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

Leonard Street (2).jpg

EPC Graphs

EE Rating

Price history

41% since 2021

Event	Date	Price	% change
Sold	10/02/2026 (5 months ago)	£225,500	+40.9%
Sold	17/02/2021 (5 years ago)	£160,000	—

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
18 THORBURN CLOSE, NEATH, NEATH PORT TALBOT, SA11 1RH	£149,950	09/01/2026	Terraced
88 GNOLL PARK ROAD, NEATH, NEATH PORT TALBOT, SA11 3DD	£260,000	17/12/2025	Terraced
49 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HW	£190,000	17/12/2025	Terraced
87 IVY AVENUE, NEATH, NEATH PORT TALBOT, SA11 3DU	£130,000	28/11/2025	Terraced
7 THORBURN CLOSE, NEATH, NEATH PORT TALBOT, SA11 1RH	£95,000	28/08/2025	Terraced
33 PENYDRE, NEATH, NEATH PORT TALBOT, SA11 3HE	£92,000	25/07/2025	Terraced
111 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HP	£165,000	10/07/2025	Terraced
14 LLANTWIT ROAD, NEATH, NEATH PORT TALBOT, SA11 3LB	£145,000	23/06/2025	Terraced
1 PARK STREET, NEATH, NEATH PORT TALBOT, SA11 3DF	£260,000	30/05/2025	Terraced
14 DIGBY ROAD, NEATH, NEATH PORT TALBOT, SA11 3HY	£82,482	18/03/2025	Terraced
10 IDWAL STREET, NEATH, NEATH PORT TALBOT, SA11 3HR	£130,000	17/02/2025	Terraced
14 HIBBERT ROAD, NEATH, NEATH PORT TALBOT, SA11 3DE	£175,000	28/12/2023	Terraced
28 IDWAL STREET, NEATH, NEATH PORT TALBOT, SA11 3HR	£55,000	20/11/2023	Terraced
60 IDWAL STREET, NEATH, NEATH PORT TALBOT, SA11 3HR	£72,000	20/10/2023	Terraced
5 DIGBY ROAD, NEATH, NEATH PORT TALBOT, SA11 3HY	£105,000	20/10/2023	Terraced
89 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HP	£100,000	23/08/2023	Terraced
12A THORBURN CLOSE, NEATH, NEATH PORT TALBOT, SA11 1RH	£91,500	17/07/2023	Terraced
1 LLANTWIT ROAD, NEATH, NEATH PORT TALBOT, SA11 3LD	£110,000	26/06/2023	Terraced
113 LLANTWIT ROAD, NEATH, NEATH PORT TALBOT, SA11 3LA	£110,000	14/06/2023	Terraced
89 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HP	£80,000	08/06/2023	Terraced
Same street 26 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN	£155,000	28/02/2023	Terraced
Same street 50 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN	£155,000	11/11/2022	Terraced
Same street 14 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN	£185,000	15/07/2022	Terraced
Same street 2 LEONARD STREET, NEATH, NEATH PORT TALBOT, SA11 3HN	£82,500	07/07/2022	Terraced

Street average: £144,375 (4 sales)

Area average: £129,897 (20 sales)

Capital growth trend

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

5y growth 28.7%

10y growth 51.1%

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

1y (index) -0.7%

5y (index) 26.4%

10y (index) 65.6%

Rental Range

Estimated market rent for Neath Port Talbot. Low = conservative, Realistic = average, Optimistic = best case.

Low £618/mo

Realistic £687/mo

Optimistic £756/mo

Based on Local Authority from postcode lookup → Neath Port Talbot.

Location

Map view View on Google Maps View on OpenStreetMap Street View SA11 3HN

Nearby

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

Type	Name	Distance
Shop	Kwik Fit	0.3 miles
Bus stop	Unknown	0.3 miles
Shop	Iceland	0.4 miles
Bus stop	Victoria Gardens 1	0.4 miles
Train station	Neath	0.6 miles
Train station	Briton Ferry	2.2 miles
University	Swansea University	6.9 miles
Hospital	St John Ambulance - Not manned 24/7	8.0 miles
Hospital	Amman Valley Hospital	11.3 miles

Street-level crime

Category	Count
Violence and sexual offences	90
Public order	30
Anti-social behaviour	27
Shoplifting	19
Criminal damage and arson	12
Other theft	11
Vehicle crime	7
Burglary	6
Other crime	6
Drugs	4
Possession of weapons	2
Robbery	2
Total incidents	216

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
YGG Castell-nedd	Other	0.3 miles	— (No rating)
Alderman Davies CIW Primary School	Other	0.4 miles	— (No rating)
Gnoll Primary School	Other	0.5 miles	— (No rating)
Catwg Primary School	Other	0.6 miles	— (No rating)
St Joseph's Catholic Primary School (Neath)	Other	0.8 miles	— (No rating)

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, Brookdale Street, SA11	£745/mo	2	0.74 miles	OpenRent
2 Bed Terraced House, Taylors Row, SA11	£795/mo	2	0.93 miles	OpenRent

Average rent: £770/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.34%

Max investor price (0.8%) £96,250

Target investor price (1%) £77,000

Gross yield 4.1%

Cost-to-rent ratio 24.3×

Monthly cashflow £-218/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -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).

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