5 Ringley Chase, Whitefield, Manchester, M45 7UA

UPRN:100011004869Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: D (60)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

5 Ringley Chase, Whitefield, Manchester, M45 7UA

HP Score

/ 100

Mixed

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

17 of 21 sources

Sale Estimate

£1,599,000

£1.44M - £1.76MMedium

Estimate

£1.60M

Range

£1.44M – £1.76M

Rent Estimate (pcm)

£6,650

£6k - £7k

Monthly

£6,650

Yield

9.12%

Verdict

Derived from HomePortfolio scores

5 Ringley Chase earns an INVESTIGATE rating with HP Score 73/100. Investment score 61/100 reflects moderate fundamentals. Walkability is limited (60/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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 2021HM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

No data

Walkability

60/ 100

Moderate

Transit & Bike

Transit 46Bike 23

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the estimate sits 45% above the ask. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +45.3% (MEDIUM), sold-comps +9.8%, £/sqft +9.8%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100011004869· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 3.5%· as of 24 Oct 2026
Rental economics27.2/40
gross yield 9.1%; range width penalty ×0.82; the estimate this rent rides on sits 45% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 6650/mo (range 6000-7250)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin16/30
stressed cash flow +1,066/mo, +16% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 243 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 6 Nov 2026
Risk & liquidity12.8/15
215 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£809,500£1,006,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£875,000

At the asking price

Monthly rent£6,650/mo

Evidenced range £6,000-£7,250

Interest rate5.4%

Loan to value75%

Cash required: £297,550
Net cash flow: £1,651/mo
Cash on cash: 6.7%
Score at this price: 58

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.25 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 100011004869Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 3.5%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 6650/mo (range 6000-7250)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 6650/mo (range 6000-7250)
Rental economics needs verification before you rely on it
sale estimate 45% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£1,599,000

Rent Estimate (pcm)£6,650

Gross Yield9.12%

1y Growth-

3y Growth+3.8%

5y Growth+4.2%

10y Growth+5.6%

Last Sold Price£970,000 (2010-05-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M45 7UA

Approval Rate

-12mo

Development

low

73816
Single storey rear extension; Rear decking with steps
Pending
73780
Two storey front infill extension; First floor front extension; First floor rear extension; Garage conversion; Demolition of existing conservatory; Alterations to windows
Pending
73694
Demolish existing conservatory and rear extension; Single storey rear extension; Part first floor rear extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership71.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2010-05-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density-

Owner Occupied84%

Age Distribution

0-15 17%16-64 56%65+ 27%

View Area Profile

Schools Nearby

Philips High School
0.3 mi
Inspected as Philips High School (URN 105360) on 14 Jun 2022
Higher Lane Primary School
0.5 mi
Report card2025
Ofsted no longer awards a single overall grade.
Chapelfield Primary School
0.6 mi
Good
Whitefield Community Primary School
0.9 mi
Inspected as Whitefield Community Primary School (URN 105310) on 17 Nov 2021

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

View All Schools

Comparables

View All

12 Ringley Chase
-
£620k
-
14 Ringley Chase
-
£570k
-
6 Ringley Chase
-
£1.05M
-
6 Ringley Chase
-
£1.00M
-

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