Cottage Farm, 50 Cottage Lane, Nether Whitacre, Coleshill, Birmingham, B46 2EL

UPRN:10001170948Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: C (71)

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

Cottage Farm, 50 Cottage Lane, Nether Whitacre, Coleshill, Birmingham, B46 2EL

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£531,000

£425k - £637kLow

Estimate

£531k

Range

£425k – £637k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

2.02%

Verdict

Derived from HomePortfolio scores

Cottage Farm earns an INVESTIGATE rating with HP Score 58/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (29/100). 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 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

42/ 100

Elevated

Walkability

29/ 100

Low

Transit & Bike

Transit 3Bike 28

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 economics0/40
gross yield 2.0%; range width penalty ×0.82
- valuation_snapshotsrent estimate 2100/mo (range 1900-2300)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,860/mo, -184% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity9.3/15
122 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£1,250,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,900-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £445,050
Net cash flow: -£2,765/mo
Cash on cash: -7.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.50 - below 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 2100/mo (range 1900-2300)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 2100/mo (range 1900-2300)

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. 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£531,000

Rent Estimate (pcm)£2,100

Gross Yield2.02%

1y Growth-

3y Growth+1.2%

5y Growth+1.5%

10y Growth+3.1%

Last Sold Price£265,000 (2007-09-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

2B46 2EL

Approval Rate

-12mo

Development

low

2026/0808/AVC
Seciton 73 application to vary condition 2 (Approved plans) of PAP/2025/0596 (Erection of two storey side and rear extension and part single storey rear extension) to extend single storey projection and two storey rear extension width
Pending
2026/0754/LAWP
Application for a Certificate of Lawfulness for Proposed Development under section 192 of the Town and Country Planning Act 1990 for the erection of an outbuilding for purposes incidental to the enjoyment of the dwellinghouse pursuant to Schedule 2, Part 1, Class E of the Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended), comprising a private swimming pool, domestic gym and ancillary home office
Pending
2026/0669/AVC
Section 73 application for removal of conditions 6 (Ancillary accommodation) & 7 (Amenity separation) of permission PAP/2019/0574 (Change of use of existing garage and gardeners facility into a Granny Annexe)
Pending

View Planning Timeline

Ownership

Corporate Ownership61.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-09-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,067

Population Density-

Owner Occupied81%

Age Distribution

0-15 15%16-64 61%65+ 24%

View Area Profile

Schools Nearby

Shustoke CofE Primary School
1.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
THE SECRET GARDEN SCHOOL
1.9 mi
Good
High Meadow Community School
2.1 mi
Good
Curdworth Primary School
2.2 mi
Good

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

44 Cottage Lane
-
£400k
-
42 Cottage Lane
-
£375k
-
The Shieling Cottage Lane
-
£293k
-
44 Cottage Lane
-
£230k
-

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