For sale End of terrace

6 COSELEY STREET

STOKE-ON-TRENT, STOKE-ON-TRENT ST6 1JX

3 beds 1 baths 980 sq ft Listed 29 Jun 2026 (-21d)

£125,000

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# 3 bedroom end of terrace house for sale (ST6 1JX)

## Property Details

| Key | Value |
|-----|-------|
| Address | 6 COSELEY STREET, STOKE-ON-TRENT, STOKE-ON-TRENT ST6 1JX |
| Price | £125,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 91 m² |
| Last sold | £102,000 Aug 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** F
- **Potential rating:** B
- **Expiry date:** 15/06/2033
- **Current heating cost:** £3,141/year
- **Est. upgrade cost to C:** £22,763

### Recommendations
- A (£100 - £350)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- C (£15 - £30)
- E (£15)
- G (£350 - £450)
- I (£2,200 - £3,000)
- 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/2942-4859-9363-5332-1132)

## Description

**Ground Floor** -

**Entrance Hall** - 4.48 x 1.53 (14'8" x 5'0") - The property has a double glazed entrance door to the front aspect. Stairs leading to the first floor.

**Lounge** - 4.28 x 3.06 (14'0" x 10'0") - A double glazed window overlooks the front and side aspect. Fireplace housing gas fire. Television point and radiator.

**Kitchen/Diner** - 4.40 x 3.30 (14'5" x 10'9") - A double glazed window overlooks the front and side aspect. Fitted with a range of wall and base storage units with inset stainless steel sink unit and side drainer. Coordinating work surface areas and partly tiled walls. Free standing gas cooker and space for fridge/freezer. Wall mounted gas fire with back boiler. Extractor fan and telephone point.

**Utility Room** - 2.69 x 1.74 (8'9" x 5'8") - A double glazed access door leads out to the front aspect. Space and plumbing for washing machine and tumble dryer. Partly tiled.

**Bathroom** - 2.55 x 2.06 (8'4" x 6'9") - A double glazed window overlooks the side and front aspect. Fitted with a suite comprising bath with shower over, low level W.C and vanity wash hand basin. Ladder style towel radiator.

**First Floor** -

**First Floor Landing** - 5.01 x 4.33 (16'5" x 14'2") - A double glazed window overlooks the front aspect. Loft access hatch.

**Bedroom One** - 4.32 x 2.96 (14'2" x 9'8") - A double glazed window overlooks the side and rear aspect. Fitted wardrobes and radiator.

**Bedroom Two** - 3.45 x 3.42 (11'3" x 11'2") - A double glazed window overlooks the front aspect. Storage cupboard and radiator.

**Bedroom Three** - 3.39 x 2.54 (11'1" x 8'3") - A double glazed window overlooks the front aspect. Radiator.

**Exterior** - Externally the property benefits from a low maintenance paved garden which is fully enclosed and has a side access gate.

## Property Photos

- ![IMG_4391.jpg](/listings/photos/90255828/914090) - IMG_4391.jpg
- ![IMG_4341.jpg](/listings/photos/90255828/914091) - IMG_4341.jpg
- ![IMG_4346.jpg](/listings/photos/90255828/914092) - IMG_4346.jpg
- ![IMG_4349.jpg](/listings/photos/90255828/914093) - IMG_4349.jpg
- ![IMG_4374.jpg](/listings/photos/90255828/914094) - IMG_4374.jpg
- ![IMG_4378.jpg](/listings/photos/90255828/914095) - IMG_4378.jpg
- ![IMG_4334.jpg](/listings/photos/90255828/914096) - IMG_4334.jpg
- ![IMG_4339.jpg](/listings/photos/90255828/914097) - IMG_4339.jpg
- ![IMG_4355.jpg](/listings/photos/90255828/914098) - IMG_4355.jpg
- ![IMG_4358.jpg](/listings/photos/90255828/914099) - IMG_4358.jpg
- ![IMG_4360.jpg](/listings/photos/90255828/914100) - IMG_4360.jpg
- ![IMG_4365.jpg](/listings/photos/90255828/914101) - IMG_4365.jpg
- ![IMG_4368.jpg](/listings/photos/90255828/914102) - IMG_4368.jpg
- ![IMG_4371.jpg](/listings/photos/90255828/914103) - IMG_4371.jpg
- ![IMG_4384.jpg](/listings/photos/90255828/914104) - IMG_4384.jpg

## Floorplans

- ![6coseleystreet-High.jpg](/listings/photos/90255828/914105) - 6coseleystreet-High.jpg

## EPC Graphs

- ![EE Rating](/listings/photos/90255828/914106) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 6 COSELEY STREET, STOKE-ON-TRENT, ST6 1JX | £102,000 | 08/08/2023 | 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 |
|---------|-------|------|------|
| 4 GARLICK STREET, STOKE-ON-TRENT, ST6 7DQ | £160,000 | 12/12/2025 | Terraced |
| 8 MARS STREET, STOKE-ON-TRENT, ST6 1PA | £93,500 | 12/12/2025 | Terraced |
| 7 KIRK STREET, STOKE-ON-TRENT, ST6 1LG | £62,500 | 05/12/2025 | Terraced |
| 1 JUPITER STREET, STOKE-ON-TRENT, ST6 1PD | £120,000 | 21/11/2025 | Terraced |
| 45 FELL STREET, STOKE-ON-TRENT, ST6 1JT | £85,000 | 14/03/2025 | Terraced |
| 39 MARS STREET, STOKE-ON-TRENT, ST6 1PA | £75,000 | 17/01/2025 | Terraced |
| 45 BRIERLEY STREET, STOKE-ON-TRENT, ST6 1LB | £85,000 | 01/12/2023 | Terraced |
| 25 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ | £92,500 | 10/11/2023 | Terraced |
| 115 HIGH LANE, STOKE-ON-TRENT, ST6 7DF | £90,000 | 11/10/2023 | Terraced |
| 23 MARS STREET, STOKE-ON-TRENT, ST6 1PA | £93,000 | 05/10/2023 | Terraced |
| 7 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ | £70,000 | 21/09/2023 | Terraced |
| 46 CAMP ROAD, STOKE-ON-TRENT, ST6 1LF | £100,000 | 18/08/2023 | Terraced |
| 207 MOORLAND ROAD, BURSLEM, STOKE-ON-TRENT, ST6 1JW | £141,000 | 14/08/2023 | Terraced |
| 25 BRIERLEY STREET, STOKE-ON-TRENT, ST6 1LB | £90,000 | 21/07/2023 | Terraced |
| 17 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ | £67,000 | 14/07/2023 | Terraced |
| 52 FORD GREEN ROAD, STOKE-ON-TRENT, ST6 1NX | £61,200 | 05/05/2023 | Terraced |
| 15 BADEN ROAD, STOKE-ON-TRENT, ST6 1SA | £119,950 | 02/05/2023 | Terraced |
| 30 COSELEY STREET, STOKE-ON-TRENT, ST6 1LJ | £85,700 | 06/04/2023 | Terraced |
| 14 SATURN ROAD, STOKE-ON-TRENT, ST6 1PE | £105,000 | 31/03/2023 | Terraced |
| 11 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ | £65,000 | 22/03/2023 | Terraced |

**Area average:** £93,068 (20 sales)

## Price vs local average

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

- **Local average:** £102,463 (115 Terraced, ST6, 2024–2026)
- **Deviation:** +22%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £638/mo
- **Realistic:** £709/mo
- **Optimistic:** £780/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Staffordshire North (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 |
|------|------|------|------|------|
| [Bowden Street, Stoke-On-Trent, ST6](http://87.117.209.195:8080/listings/fd76080) | £850/mo | 3 | 0.39 miles | Rightmove |
| [Lingard Street, Burslem, Stoke-on-Trent, ST6](http://87.117.209.195:8080/listings/a888413) | £750/mo | — | 0.55 miles | Rightmove |
| [The Coppice, Stoke-on-trent](http://87.117.209.195:8080/listings/75fba76) | £1,095/mo | 3 | 0.7 miles | Rightmove |
| [Walley Place, STOKE-ON-TRENT](http://87.117.209.195:8080/listings/36618b9) | £825/mo | 3 | 0.8 miles | Rightmove |
| [Rent To Buy](http://87.117.209.195:8080/listings/aa7619f) | £920/mo | 3 | 0.96 miles | Rightmove |
| [Crystal Street, Cobridge](http://87.117.209.195:8080/listings/88baf0a) | £995/mo | 3 | 1.05 miles | Rightmove |
| [Lower Hadderidge, Stoke-On-Trent, ST6](http://87.117.209.195:8080/listings/0b518bd) | £925/mo | 3 | 1.07 miles | Rightmove |
| [Barrett Drive, Stoke-on-trent](http://87.117.209.195:8080/listings/b67e041) | £925/mo | 3 | 1.24 miles | Rightmove |
| [The Boulevard, Stoke-on-Trent, ST6](http://87.117.209.195:8080/listings/23de26c) | £595/mo | — | 1.33 miles | Rightmove |
| [High Street, Tunstall](http://87.117.209.195:8080/listings/e335dc3) | £550/mo | — | 1.42 miles | Rightmove |
| [Stanley Street, Tunstall](http://87.117.209.195:8080/listings/f12e1dd) | £850/mo | 3 | 1.44 miles | Rightmove |
| [Scott Lidgett Road,Longport, Stoke-on-Trent](http://87.117.209.195:8080/listings/5f97d1b) | £825/mo | 3 | 1.59 miles | Rightmove |
| [Jacqueline Street, Tunstall, Stoke-on-Trent, Staffordshire, ST6](http://87.117.209.195:8080/listings/dbfcf06) | £850/mo | 3 | 1.81 miles | Rightmove |

**Average rent: £843/mo (13 listings)**

## 1% Rule

- **Rent ratio:** 0.68% (weak for cashflow)
- **Max investor price (0.8%):** £106,250
- **Target investor price (1%):** £85,000

*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 £850/mo).*

- **Gross yield:** 8.2%
- **Cost-to-rent:** 12.3×
- **Monthly cashflow:** £248/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.2%

*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).*

## Price per Square Metre

- **£/m²:** £1,374/m²

## Capital growth trend

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

- **5y growth:** 12.9%
- **10y growth:** 49.3%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Terraced series; as of April 2026.*

- **1y growth (index):** 4.8%
- **5y growth (index):** 25.7%
- **10y growth (index):** 63.3%

## 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)

IMG_4391.jpg IMG_4341.jpg IMG_4346.jpg IMG_4349.jpg IMG_4374.jpg IMG_4378.jpg IMG_4334.jpg IMG_4339.jpg IMG_4355.jpg IMG_4358.jpg IMG_4360.jpg IMG_4365.jpg IMG_4368.jpg IMG_4371.jpg IMG_4384.jpg

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Property details

Tenure

FREEHOLD

Floor area

91 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£102,000 Aug 2023

Price per m²

£1,374/m²

Local average

£102,463 (+22%)

Deprivation

Decile 1 (2,917 of 33,755)

Street crime

381 incidents within 1 mile (May 2026)

Key features

SPACIOUS END TERRACED PROPERTY
GOOD SIZED LOUNGE
KITCHEN/DINER
UTILITY ROOM
THREE DOUBLE BEDROOMS
MODERN FAMILY BATHROOM
SMALL PAVED GARDEN
CLOSE TO AMENITIES AND SCHOOLING
POPULAR LOCATION OVERLOOKING FIELDS

Additional details

Garden: Yes

Description

A Tardis is defined as 'a building or container that is larger inside than it appears to be from outside', well if you were to look up Tardis in the dictionary I am more than certain you would find Coseley Street sitting next to it. This immaculate end terraced defines the words 'looks can be deceiving', you will be blown away by the spacious accommodation on offer which breaks the mould of your traditional terraced property. The first floor accommodation comprises a lounge, large kitchen/diner, utility room and family bathroom. To the first floor you will find three fantastic sized bedrooms. Externally the property does benefit from a low maintenance paved garden which is fully enclosed. Located in the popular area of Smallthorne, close to local amenities, schooling and a short walk to the nature reserve. Never judge a book by its cover, come and take a look for yourself, call today to book a viewing.

Ground Floor -

Entrance Hall - 4.48 x 1.53 (14'8" x 5'0") - The property has a double glazed entrance door to the front aspect. Stairs leading to the first floor.

Lounge - 4.28 x 3.06 (14'0" x 10'0") - A double glazed window overlooks the front and side aspect. Fireplace housing gas fire. Television point and radiator.

Kitchen/Diner - 4.40 x 3.30 (14'5" x 10'9") - A double glazed window overlooks the front and side aspect. Fitted with a range of wall and base storage units with inset stainless steel sink unit and side drainer. Coordinating work surface areas and partly tiled walls. Free standing gas cooker and space for fridge/freezer. Wall mounted gas fire with back boiler. Extractor fan and telephone point.

Utility Room - 2.69 x 1.74 (8'9" x 5'8") - A double glazed access door leads out to the front aspect. Space and plumbing for washing machine and tumble dryer. Partly tiled.

Bathroom - 2.55 x 2.06 (8'4" x 6'9") - A double glazed window overlooks the side and front aspect. Fitted with a suite comprising bath with shower over, low level W.C and vanity wash hand basin. Ladder style towel radiator.

First Floor -

First Floor Landing - 5.01 x 4.33 (16'5" x 14'2") - A double glazed window overlooks the front aspect. Loft access hatch.

Bedroom One - 4.32 x 2.96 (14'2" x 9'8") - A double glazed window overlooks the side and rear aspect. Fitted wardrobes and radiator.

Bedroom Two - 3.45 x 3.42 (11'3" x 11'2") - A double glazed window overlooks the front aspect. Storage cupboard and radiator.

Bedroom Three - 3.39 x 2.54 (11'1" x 8'3") - A double glazed window overlooks the front aspect. Radiator.

Exterior - Externally the property benefits from a low maintenance paved garden which is fully enclosed and has a side access gate.

Listed by

Stoke-On-Trent

Dunn & Rate

Reference: 90255828

EPC Rating & Upgrade Cost

Current rating: F

Potential rating: B

Inspection date: 16/06/2023

Expiry date: 15/06/2033

Current heating cost: £3,141/year

Potential heating cost: £1,142/year

Est. upgrade cost to C: £22,763

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)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Increase hot water cylinder insulation (£15 - £30)
Low energy lighting for all fixed outlets (£15)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
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

6coseleystreet-High.jpg

EPC Graphs

EE Rating

Price history

Event	Date	Price	% change
Listed for sale	—	£125,000	+22.5%
Sold	08/08/2023 (2 years ago)	£102,000	—

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
4 GARLICK STREET, STOKE-ON-TRENT, ST6 7DQ	£160,000	12/12/2025	Terraced
8 MARS STREET, STOKE-ON-TRENT, ST6 1PA	£93,500	12/12/2025	Terraced
7 KIRK STREET, STOKE-ON-TRENT, ST6 1LG	£62,500	05/12/2025	Terraced
1 JUPITER STREET, STOKE-ON-TRENT, ST6 1PD	£120,000	21/11/2025	Terraced
45 FELL STREET, STOKE-ON-TRENT, ST6 1JT	£85,000	14/03/2025	Terraced
39 MARS STREET, STOKE-ON-TRENT, ST6 1PA	£75,000	17/01/2025	Terraced
45 BRIERLEY STREET, STOKE-ON-TRENT, ST6 1LB	£85,000	01/12/2023	Terraced
25 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ	£92,500	10/11/2023	Terraced
115 HIGH LANE, STOKE-ON-TRENT, ST6 7DF	£90,000	11/10/2023	Terraced
23 MARS STREET, STOKE-ON-TRENT, ST6 1PA	£93,000	05/10/2023	Terraced
7 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ	£70,000	21/09/2023	Terraced
46 CAMP ROAD, STOKE-ON-TRENT, ST6 1LF	£100,000	18/08/2023	Terraced
207 MOORLAND ROAD, BURSLEM, STOKE-ON-TRENT, ST6 1JW	£141,000	14/08/2023	Terraced
25 BRIERLEY STREET, STOKE-ON-TRENT, ST6 1LB	£90,000	21/07/2023	Terraced
17 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ	£67,000	14/07/2023	Terraced
52 FORD GREEN ROAD, STOKE-ON-TRENT, ST6 1NX	£61,200	05/05/2023	Terraced
15 BADEN ROAD, STOKE-ON-TRENT, ST6 1SA	£119,950	02/05/2023	Terraced
30 COSELEY STREET, STOKE-ON-TRENT, ST6 1LJ	£85,700	06/04/2023	Terraced
14 SATURN ROAD, STOKE-ON-TRENT, ST6 1PE	£105,000	31/03/2023	Terraced
11 LIVINGSTONE STREET, STOKE-ON-TRENT, ST6 1LQ	£65,000	22/03/2023	Terraced

Area average: £93,068 (20 sales)

Capital growth trend

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

5y growth 12.9%

10y growth 49.3%

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

1y (index) 4.8%

5y (index) 25.7%

10y (index) 63.3%

Rental Range

Estimated market rent for Stoke-on-Trent. Low = conservative, Realistic = average, Optimistic = best case.

Low £638/mo

Realistic £709/mo

Optimistic £780/mo

Based on Local Authority from postcode lookup → Stoke-on-Trent.

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

Location

Map view View on Google Maps View on OpenStreetMap Street View ST6 1JX

Nearby

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

Type	Name	Distance
Bus stop	Smallthorne, High Lane	0.1 miles
Bus stop	St Saviour's Church	0.1 miles
Shop	Smallthorne Post Office	0.2 miles
Shop	Bargain Booze	0.3 miles
Hospital	Haywood Hospital Walk-in Centre	0.7 miles
Train station	Longport	1.7 miles
Train station	Stoke-on-Trent	3.0 miles
Hospital	North Staffordshire Nuffield Hospital	4.7 miles
University	Keele University	5.2 miles
University	Buxton & Leek College	7.5 miles

Street-level crime

Category	Count
Violence and sexual offences	148
Anti-social behaviour	72
Criminal damage and arson	33
Other theft	28
Public order	27
Vehicle crime	19
Burglary	15
Drugs	9
Other crime	8
Shoplifting	8
Possession of weapons	6
Robbery	4
Bicycle theft	2
Theft from the person	2
Total incidents	381

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
Jackfield Infant School	Primary	0.3 miles	Good — 18 Jan 2023
The Valiant School	Other	0.3 miles	— (No rating)
Smallthorne Primary Academy	Primary	0.4 miles	Good — 18 Dec 2023
Moorpark Junior School	Primary	0.4 miles	Good — 11 Jul 2016
New Ford Academy	Primary	0.4 miles	Outstanding — 24 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
Bowden Street, Stoke-On-Trent, ST6	£850/mo	3	0.39 miles	Rightmove
Lingard Street, Burslem, Stoke-on-Trent, ST6	£750/mo	—	0.55 miles	Rightmove
The Coppice, Stoke-on-trent	£1,095/mo	3	0.7 miles	Rightmove
Walley Place, STOKE-ON-TRENT	£825/mo	3	0.8 miles	Rightmove
Rent To Buy	£920/mo	3	0.96 miles	Rightmove
Crystal Street, Cobridge	£995/mo	3	1.05 miles	Rightmove
Lower Hadderidge, Stoke-On-Trent, ST6	£925/mo	3	1.07 miles	Rightmove
Barrett Drive, Stoke-on-trent	£925/mo	3	1.24 miles	Rightmove
The Boulevard, Stoke-on-Trent, ST6	£595/mo	—	1.33 miles	Rightmove
High Street, Tunstall	£550/mo	—	1.42 miles	Rightmove
Stanley Street, Tunstall	£850/mo	3	1.44 miles	Rightmove
Scott Lidgett Road,Longport, Stoke-on-Trent	£825/mo	3	1.59 miles	Rightmove
Jacqueline Street, Tunstall, Stoke-on-Trent, Staffordshire, ST6	£850/mo	3	1.81 miles	Rightmove

Average rent: £843/mo (13 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.68%

Max investor price (0.8%) £106,250

Target investor price (1%) £85,000

Gross yield 8.2%

Cost-to-rent ratio 12.3×

Monthly cashflow £248/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.2%

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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