238A Oldham Road, Lydgate, Oldham, OL4 4DN

UPRN:100011239082Terrace Property1 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: C (70)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 3mo ago

238A Oldham Road, Lydgate, Oldham, OL4 4DN

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£341,000

£273k - £409kLow

Estimate

£341k

Range

£273k – £409k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

16.67%

Verdict

Derived from HomePortfolio scores

238A Oldham Road earns an INVESTIGATE rating with HP Score 64/100. Investment score 60/100 reflects moderate fundamentals. Walkability is limited (30/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

No data

Walkability

30/ 100

Mixed

Transit & Bike

Transit 18Bike 14

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics40/40
gross yield 16.7%; range width penalty ×1.00; the estimate this rent rides on sits 47% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2500/mo (range 2350-2600)· as of 10 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 47% above the ask on the same snapshot - verify the rent describes this home· as of 10 Nov 2026· verify before relying on this
Stress margin30/30
stressed cash flow +948/mo, +38% 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 5 Nov 2026
Risk & liquidity9.3/15
381 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£180,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,350-£2,600

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £1,123/mo
Cash on cash: 23.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.12 - 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_snapshotsrent estimate 2500/mo (range 2350-2600)Rental economics · as of 10 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 47% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2500/mo (range 2350-2600)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£341,000

Rent Estimate (pcm)£2,500

Gross Yield16.67%

1y Growth-18.7%

3y Growth+5.2%

5y Growth+3.9%

10y Growth+4.8%

Last Sold Price£100,000 (2007-11-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2OL4 4DN

Approval Rate

100%12mo

Development

low

NMA/356895/26
Non Material Amendment application for 1) Alterations to roof design including the removal of previously approved flat roof to the first floor rear elevation to form 1 uniformed main dual pitched roof. 2) Reduction in roof pitches whilst retaining previously approved overall ridge height. Slight raising of eaves level to suit. 3) Minor alterations to elevational treatment including location of ashlar stone stringer course relating to app no. HOU/356664/26.
Approved
TEN/356868/26
OGEAA7125513 Intention to Install Fixed Line Broadband Apparatus.
Approved
CND/356683/26
Discharge of condition 10 (Arboricultural Method Statement) associated with application PA/342566/18
Pending

View Planning Timeline

Ownership

Corporate Ownership45.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-11-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,124

Population Density951 /km²

Owner Occupied89%

Age Distribution

0-15 16%16-64 58%65+ 26%

View Area Profile

Schools Nearby

St Anne's CofE Lydgate Primary School
0.2 mi
Inspected as St Anne's CofE Lydgate Primary School (URN 105689) on 13 May 2015
Friezland Primary School
0.7 mi
-
Knowsley Junior School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Springhead Infant and Nursery School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

228 Oldham Road
-
£319k
-
224 Oldham Road
-
£460k
-
222 Oldham Road
-
£325k
-
238 Oldham Road
-
£155k
-

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