11 Bank Lane, Little Hulton, Manchester, M38 9UH

UPRN:100011344944End Terrace House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band AEPC: C (70)

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

11 Bank Lane, Little Hulton, Manchester, M38 9UH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£199,000

£189k - £209kHigh

Estimate

£199k

Range

£189k – £209k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

9.16%

Verdict

Derived from HomePortfolio scores

11 Bank Lane earns an INVESTIGATE rating with HP Score 67/100. Investment score 59/100 reflects moderate fundamentals. Walkability is limited (63/100). 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 NationsMarket 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

67/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

No data

Walkability

63/ 100

Moderate

Transit & Bike

Transit 43Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 9 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +4.5% (HIGH)] → measured edge +0.00pp 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 (HIGH confidence) · snapshot 10 Nov 2026
- valuation_snapshotsestimate for 100011344944· as of 10 Nov 2026
Rental economics33/40
gross yield 9.2%; range width penalty ×0.99
- valuation_snapshotsrent estimate 1450/mo (range 1350-1500)· as of 10 Nov 2026· verify before relying on this
Stress margin9.3/30
stressed cash flow +134/mo, +9% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 70 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 9 Nov 2026
Risk & liquidity14.6/15
79 sales/12mo in area; valuation range width 10%
- 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 sensitivityScores 70+ up to £166,000

£142,500£218,500

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£190,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,350-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £363/mo
Cash on cash: 7.3%
Score at this price: 57

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.26 - 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 100011344944Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1450/mo (range 1350-1500)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1450/mo (range 1350-1500)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 70 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £166,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£199,000

Rent Estimate (pcm)£1,450

Gross Yield9.16%

1y Growth-

3y Growth+3.3%

5y Growth+7.9%

10y Growth+8.8%

Last Sold Price£122,500 (2022-04-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M38 9UH

Approval Rate

-12mo

Development

low

NOT/2026/1451
Application to determine if prior approval is required for a proposed installation of 1no. Omni at 21.3m mean mounted on proposed 20m streetworks pole, 1no. Gps antenna at 4.0m mean mounted on proposed streetworks pole, 1no. 3g omni antenna at 4.2m mean mounted on proposed streetworks pole, smart metering equipment enclosure on a root foundation, and 4no. Arqiva concrete bollards
Pending
PA/2026/1203
Change of use from a dwellinghouse (use class C3) to a 4 bedroom 4 person House in Multiple Occupation (HMO) (use class C4) with erection of a single-storey rear extension and addition of 3no. windows to side elevation
Pending
PA/2026/1303
Application for a lawful development certificate for proposed erection of a garden annexe building for use as a home office, gym, and storage space, including kitchen and bathroom facilities.
Approved

View Planning Timeline

Ownership

Corporate Ownership43.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-04-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

1 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,495

Population Density-

Owner Occupied28%

Age Distribution

0-15 32%16-64 58%65+ 10%

View Area Profile

Schools Nearby

Wharton Primary School
0.3 mi
Inspected as Wharton Primary School (URN 105897) on 25 Jun 2019
St Paul's Peel CofE Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Dukesgate Academy
0.4 mi
Good
Green Fold School
0.6 mi
OutstandingConcerns

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

View All Schools

Comparables

View All

13 Bank Lane
-
£173k
-
11 Bank Lane
-
£123k
-
21 Bank Lane
-
£133k
-
37 Bank Lane
-
£122k
-

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