63C Cross Lane, Radcliffe, Manchester, M26 2QZ

UPRN:100010989631Mid Terrace House2 bedsBuilt 1991-1995

LeaseholdCouncil Tax: Band AEPC: D (59)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

63C Cross Lane, Radcliffe, Manchester, M26 2QZ

HP Score

/ 100

Strong

Verdict

6 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£159,000

£151k - £167kHigh

Estimate

£159k

Range

£151k – £167k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

8.36%

Verdict

Derived from HomePortfolio scores

63C Cross Lane earns an INVESTIGATE rating with HP Score 77/100. Investment score 73/100 reflects strong fundamentals. Walkability is good (72/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

73/ 100

High

Crime Score

No data

Walkability

72/ 100

High

Transit & Bike

Transit 42Bike 48

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£165,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £51,600
Net cash flow: £239/mo
Cash on cash: 5.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.07 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£159,000

Rent Estimate (pcm)£1,150

Gross Yield8.36%

1y Growth-23.4%

3y Growth+7.9%

5y Growth+3.6%

10y Growth+4.8%

Last Sold Price£95,000 (2020-02-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0M26 2QZ

Approval Rate

-12mo

Development

low

73765
20 no. non illuminated signs. Entrance sign x1, Terms and conditions sign x16, Information signage x2, and New rules apply sign x1
Pending
73764
Installation of 2no. ANPR CCTV cameras and display of associated ANPR advertisements
Pending
73740
Application to discharge condition 26 of application 71426 (piling or any other foundation designs using penetrative methods shall not be permitted other than with express written consent of the local planning authority, which may be given for those parts of the site where it has been demonstrated that there is no resultant unacceptable risk to ground water)
Pending

View Planning Timeline

Ownership

Corporate Ownership47.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2020-02-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density2,009 /km²

Owner Occupied45%

Age Distribution

0-15 21%16-64 65%65+ 14%

View Area Profile

Schools Nearby

Star Radcliffe Academy
0.2 mi
-
Radcliffe Hall Church of England Methodist Primary School
0.3 mi
Good
Gorsefield Primary School
0.5 mi
Good
St Mary's Roman Catholic Primary School, A Voluntary Academy
0.6 mi
Inspected as St Mary's Roman Catholic Primary School, Radcliffe (URN 105353) on 8 Dec 2022

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

63E Cross Lane
-
£160k
-
33 Cross Lane
-
£120k
-
55 Cross Lane
-
£90k
-
63G Cross Lane
-
£137k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN