Sold STC Flat

FLAT 92

NEWGATE TOWER, 1, NEWGATE, CROYDON, GREATER LONDON CR0 2FD

2 beds 2 baths 840 sq ft Listed 1 Oct 2024 (-610d)

£375,000

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# 2 bedroom apartment for sale (CR0 2FD)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 92, NEWGATE TOWER, 1, NEWGATE, CROYDON, GREATER LONDON CR0 2FD |
| Price | £375,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | E |
| Construction age | England and Wales: 2012 onwards |
| Floor area | 78 m² |
| Last sold | £365,000 Jul 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Current heating cost:** £376/year
- **Est. upgrade cost to C:** £655

### Recommendations
- Y (£585 - £725)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0350-2474-5490-2825-2515)

## Description

LONG LEASE 989, PARKING, CONCIERGE, GYM, NEW BUILD WARRANTY 2025. CALL US NOW!

If you are searching for luxury, convenience, then please READ this, this impressive 9 floor apartment has both! Located just minutes from the town centre and East & West Croydon stations it's easy to understand the attraction of living here.

The space inside is vast and it's certainly one of the larger apartments that have come to market. This well regarded block has meticulous grounds as well as a balcony with STUNNING views, as soon as you step inside, you are met with a spacious entrance hall.

The lounge and kitchen areas combine to form an impressive vast space that is ideal for relaxing, dining and cooking. There's room for multiple sofas to unwind on and space for a dining table and chairs, making the space a haven for dinner parties. The kitchen can only be described as stunning with stylish units, integrated appliances and more than enough room to get stuck into the recipe books.

When your guests want to stay the night there is plenty of room for them to do so with two fantastic double bedrooms to choose from, but you may want to keep the master bedroom for yourself though, as it offers the benefit of built in wardrobes as well as a luxury en-suite shower room.

In addition there is a CONCIERGE facility and a gym. CALL US NOW

DIRECTIONS

The property is located within easy walking distance of both East Croydon station that offers express services to Victoria, London Bridge and Gatwick, and West Croydon station that offers excellent services to Central and North London.  The Whitgift and Centrale shopping centres are close to hand, and the excellent bars and restaurants of South End and Box Park are nearby.

TRANSPORT

East Croydon Station 0.4 miles

West Croydon Station 0.3 miles

Wellesley Road Tram Stop 0.5 miles

Centrale Tram Stop 0.5 mi

SCHOOLS - INFANTS & PRIMARY

St Mary's Catholic High School 0.1 miles

St. Mary's Catholic Junior School 0.2 miles

St Mary's Catholic Infant School 0.2 miles

Harris Invictus Academy Croydon 0.3 miles

## Property Photos

- ![Picture No. 05](/listings/photos/153233369/596940) - Picture No. 05
- ![Picture No. 14](/listings/photos/153233369/596941) - Picture No. 14
- ![Picture No. 15](/listings/photos/153233369/596942) - Picture No. 15
- ![Picture No. 12](/listings/photos/153233369/596944) - Picture No. 12
- ![Picture No. 08](/listings/photos/153233369/596946) - Picture No. 08
- ![Picture No. 07](/listings/photos/153233369/596947) - Picture No. 07
- ![Picture No. 09](/listings/photos/153233369/596948) - Picture No. 09
- ![Picture No. 18](/listings/photos/153233369/596950) - Picture No. 18
- ![Picture No. 16](/listings/photos/153233369/596952) - Picture No. 16
- ![Picture No. 13](/listings/photos/153233369/596953) - Picture No. 13
- ![Picture No. 02](/listings/photos/153233369/596954) - Picture No. 02
- ![Picture No. 06](/listings/photos/153233369/596957) - Picture No. 06
- ![Picture No. 21](/listings/photos/153233369/596963) - Picture No. 21
- ![Picture No. 10](/listings/photos/153233369/596964) - Picture No. 10
- ![Picture No. 04](/listings/photos/153233369/596967) - Picture No. 04
- ![Picture No. 17](/listings/photos/153233369/596968) - Picture No. 17
- ![Picture No. 19](/listings/photos/153233369/596969) - Picture No. 19
- ![Picture No. 20](/listings/photos/153233369/596971) - Picture No. 20

## Floorplans

- ![Floorplan](/listings/photos/153233369/596973) - Floorplan

## EPC Graphs

- ![Picture No. 22](/listings/photos/153233369/596975) - Picture No. 22

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| NEWGATE TOWER, 1 FLAT 92 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD | £365,000 | 28/07/2025 | Flat |
| NEWGATE TOWER, 1 FLAT 92 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD | £456,000 | 11/12/2015 | Flat |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| SAXON LODGE, 1A FLAT 4 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL | £137,000 | 09/12/2025 | Flat |
| FITZROY COURT, 6 FLAT 9 WHITEHORSE ROAD, CROYDON, GREATER LONDON, CR0 2AX | £145,000 | 01/12/2025 | Flat |
| 67 FLAT 4 WELLESLEY ROAD, CROYDON, GREATER LONDON, CR0 2AJ | £170,000 | 25/07/2025 | Flat |
| FITZROY COURT, 6 FLAT 16 WHITEHORSE ROAD, CROYDON, GREATER LONDON, CR0 2AX | £265,000 | 16/01/2025 | Flat |
| WOBURN COURT 1 WELLESLEY ROAD, CROYDON, GREATER LONDON, CR0 2AE | £300,000 | 20/12/2023 | Flat |
| 52B OAKFIELD ROAD, CROYDON, GREATER LONDON, CR0 2UB | £237,500 | 14/12/2023 | Flat |
| BEDFORD COURT 2 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL | £150,000 | 17/11/2023 | Flat |
| CAVENDISH HOUSE, 12 FLAT 17 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN | £222,000 | 10/11/2023 | Flat |
| [Same street] NEWGATE TOWER, 1 FLAT 149 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD | £330,000 | 08/11/2023 | Flat |
| TRISTAN COURT, 6 FLAT 2 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN | £238,000 | 25/10/2023 | Flat |
| 1 FLAT 24 NEWGATE, CROYDON, GREATER LONDON, CR0 2FB | £367,500 | 19/10/2023 | Flat |
| CAVENDISH HOUSE, 12 FLAT 19 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN | £220,000 | 14/09/2023 | Flat |
| 59 FLAT 2 OAKFIELD ROAD, CROYDON, GREATER LONDON, CR0 2UX | £235,000 | 01/09/2023 | Flat |
| CAVENDISH HOUSE, 12 FLAT 2 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN | £230,000 | 05/07/2023 | Flat |
| SHANNON COURT, 1 11 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL | £260,000 | 17/04/2023 | Flat |
| THE ELMS, 15 19 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL | £223,000 | 31/03/2023 | Flat |
| [Same street] NEWGATE TOWER, 1 FLAT 143 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD | £400,000 | 02/12/2022 | Flat |
| 3 CHARTWELL CLOSE, CROYDON, GREATER LONDON, CR0 2AW | £185,000 | 22/11/2022 | Flat |
| LLOYD HOUSE, 20 FLAT 23 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN | £255,000 | 14/11/2022 | Flat |
| 5 FLAT 16 WOBURN ROAD, CROYDON, GREATER LONDON, CR0 2AB | £276,000 | 09/11/2022 | Flat |
| WOBURN COURT 41 WELLESLEY ROAD, CROYDON, GREATER LONDON, CR0 2AF | £280,000 | 04/11/2022 | Flat |
| 163A ST JAMES'S ROAD, CROYDON, GREATER LONDON, CR0 2BY | £322,000 | 28/10/2022 | Flat |
| [Same street] NEWGATE TOWER, 1 FLAT 106 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD | £305,000 | 02/08/2022 | Flat |
| [Same street] NEWGATE TOWER, 1 FLAT 105 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD | £375,000 | 17/12/2021 | Flat |
| [Same street] NEWGATE TOWER, 1 FLAT 145 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD | £350,000 | 11/06/2021 | Flat |

**Street average:** £352,000 (5 sales)
**Area average:** £235,900 (20 sales)

## Price vs local average

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

- **Local average:** £261,609 (162 Flat, CR0, 2024–2026)
- **Deviation:** +43.3%

## Rental Range

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

- **Low:** £1,409/mo
- **Realistic:** £1,565/mo
- **Optimistic:** £1,722/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,197/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 Flat, Tennyson Apartments, CR0 | £1,800/mo | 2 | 0.17 miles | OpenRent |
| 2 Bed Flat, West Croydon, CR0 | £2,950/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed Semi-Detached House, Windmill Road, CR0 | £800/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed Flat, Canterbury House, CR0 | £1,550/mo | 2 | 0.32 miles | OpenRent |

**Average rent: £1,775/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.45% (weak for cashflow)
- **Max investor price (0.8%):** £209,375
- **Target investor price (1%):** £167,500

*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 £1,675/mo).*

- **Gross yield:** 5.4%
- **Cost-to-rent:** 18.7×
- **Monthly cashflow:** £6/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.1%

*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:** £4,808/m²

## Capital growth trend

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

- **5y growth:** -7.5%
- **10y growth:** -3.4%

## House Price Index (HM Land Registry)

*Official index for Croydon; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** -6.3%
- **5y growth (index):** -8.2%
- **10y growth (index):** 2.8%

## 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)

Picture No. 05 Picture No. 14 Picture No. 15 Picture No. 12 Picture No. 08 Picture No. 07 Picture No. 09 Picture No. 18 Picture No. 16 Picture No. 13 Picture No. 02 Picture No. 06 Picture No. 21 Picture No. 10 Picture No. 04 Picture No. 17 Picture No. 19 Picture No. 20

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Property details

Tenure

LEASEHOLD (986 years remaining on lease)

Floor area

78 m²

Council tax band

EPC rating

Year built

England and Wales: 2012 onwards

Last sold

£365,000 Jul 2025

Price per m²

£4,808/m²

Local average

£261,609 (+43.3%)

Street crime

1275 incidents within 1 mile (Mar 2026)

Key features

NEW BUILD WARRANTY 2025
STUNNING LUXURY LIVING
2 DOUBLE BEDROOMS
EN SUITE SHOWER ROOM
FAMILY BATHROOM
GYM FACILITY
CONCIERGE
SECURE ALLOCATED PARKING
EASY ACCESS TO EAST & WEST CROYDON STATIONS
BEAUTIFULLY PRESENTED

Additional details

Parking: Yes
Garden: Yes

Description

LONG LEASE 989, PARKING, CONCIERGE, GYM, NEW BUILD WARRANTY 2025. CALL US NOW!
If you are searching for luxury, convenience, then please READ this, this impressive 9 floor apartment has both! Located just minutes from the town centre and East & West Croydon stations it's easy to understand the attraction of living here.

The space inside is vast and it's certainly one of the larger apartments that have come to market. This well regarded block has meticulous grounds as well as a balcony with STUNNING views, as soon as you step inside, you are met with a spacious entrance hall.

The lounge and kitchen areas combine to form an impressive vast space that is ideal for relaxing, dining and cooking. There's room for multiple sofas to unwind on and space for a dining table and chairs, making the space a haven for dinner parties. The kitchen can only be described as stunning with stylish units, integrated appliances and more than enough room to get stuck into the recipe books.
When your guests want to stay the night there is plenty of room for them to do so with two fantastic double bedrooms to choose from, but you may want to keep the master bedroom for yourself though, as it offers the benefit of built in wardrobes as well as a luxury en-suite shower room.

In addition there is a CONCIERGE facility and a gym. CALL US NOW

DIRECTIONS
The property is located within easy walking distance of both East Croydon station that offers express services to Victoria, London Bridge and Gatwick, and West Croydon station that offers excellent services to Central and North London. The Whitgift and Centrale shopping centres are close to hand, and the excellent bars and restaurants of South End and Box Park are nearby.

TRANSPORT
East Croydon Station 0.4 miles
West Croydon Station 0.3 miles
Wellesley Road Tram Stop 0.5 miles
Centrale Tram Stop 0.5 mi

SCHOOLS - INFANTS & PRIMARY
St Mary's Catholic High School 0.1 miles
St. Mary's Catholic Junior School 0.2 miles
St Mary's Catholic Infant School 0.2 miles
Harris Invictus Academy Croydon 0.3 miles

Listed by

Croydon Central

Streets Ahead

Reference: 153233369

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: C

Inspection date: 24/01/2025

Current heating cost: £376/year

Potential heating cost: £376/year

Est. upgrade cost to C: £655

Recommendations

Heat recovery system for mixer showers (£585 - £725)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

Picture No. 22

Price history

-20% since 2015

Event	Date	Price	% change
Sold	28/07/2025 (10 months ago)	£365,000	-20%
Sold	11/12/2015 (10 years ago)	£456,000	—

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
SAXON LODGE, 1A FLAT 4 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL	£137,000	09/12/2025	Flat
FITZROY COURT, 6 FLAT 9 WHITEHORSE ROAD, CROYDON, GREATER LONDON, CR0 2AX	£145,000	01/12/2025	Flat
67 FLAT 4 WELLESLEY ROAD, CROYDON, GREATER LONDON, CR0 2AJ	£170,000	25/07/2025	Flat
FITZROY COURT, 6 FLAT 16 WHITEHORSE ROAD, CROYDON, GREATER LONDON, CR0 2AX	£265,000	16/01/2025	Flat
WOBURN COURT 1 WELLESLEY ROAD, CROYDON, GREATER LONDON, CR0 2AE	£300,000	20/12/2023	Flat
52B OAKFIELD ROAD, CROYDON, GREATER LONDON, CR0 2UB	£237,500	14/12/2023	Flat
BEDFORD COURT 2 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL	£150,000	17/11/2023	Flat
CAVENDISH HOUSE, 12 FLAT 17 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN	£222,000	10/11/2023	Flat
Same street NEWGATE TOWER, 1 FLAT 149 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD	£330,000	08/11/2023	Flat
TRISTAN COURT, 6 FLAT 2 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN	£238,000	25/10/2023	Flat
1 FLAT 24 NEWGATE, CROYDON, GREATER LONDON, CR0 2FB	£367,500	19/10/2023	Flat
CAVENDISH HOUSE, 12 FLAT 19 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN	£220,000	14/09/2023	Flat
59 FLAT 2 OAKFIELD ROAD, CROYDON, GREATER LONDON, CR0 2UX	£235,000	01/09/2023	Flat
CAVENDISH HOUSE, 12 FLAT 2 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN	£230,000	05/07/2023	Flat
SHANNON COURT, 1 11 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL	£260,000	17/04/2023	Flat
THE ELMS, 15 19 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AL	£223,000	31/03/2023	Flat
Same street NEWGATE TOWER, 1 FLAT 143 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD	£400,000	02/12/2022	Flat
3 CHARTWELL CLOSE, CROYDON, GREATER LONDON, CR0 2AW	£185,000	22/11/2022	Flat
LLOYD HOUSE, 20 FLAT 23 TAVISTOCK ROAD, CROYDON, GREATER LONDON, CR0 2AN	£255,000	14/11/2022	Flat
5 FLAT 16 WOBURN ROAD, CROYDON, GREATER LONDON, CR0 2AB	£276,000	09/11/2022	Flat
WOBURN COURT 41 WELLESLEY ROAD, CROYDON, GREATER LONDON, CR0 2AF	£280,000	04/11/2022	Flat
163A ST JAMES'S ROAD, CROYDON, GREATER LONDON, CR0 2BY	£322,000	28/10/2022	Flat
Same street NEWGATE TOWER, 1 FLAT 106 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD	£305,000	02/08/2022	Flat
Same street NEWGATE TOWER, 1 FLAT 105 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD	£375,000	17/12/2021	Flat
Same street NEWGATE TOWER, 1 FLAT 145 NEWGATE, CROYDON, GREATER LONDON, CR0 2FD	£350,000	11/06/2021	Flat

Street average: £352,000 (5 sales)

Area average: £235,900 (20 sales)

Capital growth trend

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

5y growth -7.5%

10y growth -3.4%

House Price Index (HM Land Registry — official index, not sold-price averages): Croydon. Series: Flats and maisonettes. As of March 2026.

1y (index) -6.3%

5y (index) -8.2%

10y (index) 2.8%

Rental Range

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

Low £1,409/mo

Realistic £1,565/mo

Optimistic £1,722/mo

Based on Local Authority from postcode lookup → Croydon.

LHA (30th percentile) floor for Outer South London: £1,197/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View CR0 2FD

Address

Newgate

Nearby

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

Type	Name	Distance
Bus stop	Spurgeon's Bridge	0.0 miles
Bus stop	Bedford Hall	0.1 miles
Shop	Tesco Express	0.2 miles
Shop	Kwik Fit	0.2 miles
Train station	West Croydon	0.3 miles
Train station	East Croydon	0.5 miles
Hospital	Diabetic Department	0.6 miles
Hospital	Patient Advice and Liaison Service (PALS)	0.6 miles
University	Horton Halls Reception	5.1 miles
University	University of Wales Trinity Saint David London Campus	6.8 miles

Street-level crime

Category	Count
Violence and sexual offences	367
Anti-social behaviour	279
Drugs	90
Shoplifting	90
Public order	89
Other theft	83
Criminal damage and arson	80
Vehicle crime	62
Burglary	47
Robbery	33
Theft from the person	29
Other crime	11
Possession of weapons	11
Bicycle theft	4
Total incidents	1275

Within 1 mile during Mar 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
St Mary's Catholic High School	Secondary	0.1 miles	Good — 27 Feb 2017
Arise Academy	Other	0.2 miles	Requires improvement — 14 Jul 2024
St. Mary's Catholic Junior School	Primary	0.2 miles	Good — 17 Sep 2018
St Mary's Catholic Infant School	Primary	0.2 miles	Good — 27 Nov 2022
Harris Invictus Academy Croydon	Secondary	0.3 miles	Outstanding — 14 Nov 2016

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 Flat, Tennyson Apartments, CR0	£1,800/mo	2	0.17 miles	OpenRent
2 Bed Flat, West Croydon, CR0	£2,950/mo	2	0.29 miles	OpenRent
2 Bed Semi-Detached House, Windmill Road, CR0	£800/mo	2	0.29 miles	OpenRent
2 Bed Flat, Canterbury House, CR0	£1,550/mo	2	0.32 miles	OpenRent

Average rent: £1,775/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.45%

Max investor price (0.8%) £209,375

Target investor price (1%) £167,500

Gross yield 5.4%

Cost-to-rent ratio 18.7×

Monthly cashflow £6/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.1%

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).