8 Helmsdale Close, Ramsbottom, Bury, BL0 9YR

UPRN:100012551278Detached House3 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band EEPC: C (69)

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

8 Helmsdale Close, Ramsbottom, Bury, BL0 9YR

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£487,000

£462k - £511kHigh

Estimate

£487k

Range

£462k – £511k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

4.48%

Verdict

Derived from HomePortfolio scores

8 Helmsdale Close earns an INVESTIGATE rating with HP Score 71/100. Investment score 60/100 reflects moderate fundamentals. Walkability is limited (55/100). 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

71/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

No data

Walkability

55/ 100

Moderate

Transit & Bike

Transit 33Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 Nov 2026

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

Valuation edge0/15
claims [AVM -1.6% (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 12 Oct 2026
- valuation_snapshotsestimate for 100012551278· as of 12 Oct 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.82
- valuation_snapshotsrent estimate 1850/mo (range 1700-2050)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -859/mo, -46% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 89 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 10 Nov 2026
Risk & liquidity14.6/15
192 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 sensitivity

£371,000£569,000

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£495,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,700-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £164,550
Net cash flow: -£390/mo
Cash on cash: -2.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - 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_snapshotsestimate for 100012551278Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1850/mo (range 1700-2050)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1850/mo (range 1700-2050)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 89 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. 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£487,000

Rent Estimate (pcm)£1,850

Gross Yield4.48%

1y Growth+7.6%

3y Growth+4.2%

5y Growth+3.3%

10y Growth+5.2%

Last Sold Price£475,000 (2023-04-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BL0 9YR

Approval Rate

-12mo

Development

low

73790
Variation of Conditions 2 (drawings); 10 (birds); 13 (retaining trees); 14 (TPO trees) & 16 (loss of trees) to allow removal of T9, change of house type for Plot 1 to align with plots 2 and 3, amendments to the internal layout of plots 2 and 3, introduction of ground floor, first and second floor side windows for plots 2 and 3.
Pending
73742
Listed Building Consent for Partial repointing; lead lining of existing stone gutter; works to parapet roof of bay window
Pending
73721
Variation of condition 2 (approved plans) of planning permission 71968 (Single storey extension at front, and side/rear); The rear extension roof becomes a flat roof with a single roof lantern; The top of the roof is approx. 3.26m, a continuous tiled lean-to roof (22.5°, concrete interlocking tiles to match) covers the garage, utility and family area, replacing the flat garage roof and the hipped roof over the playroom and on the north elevation, the garage side window is removed, and a ground-floor utility door and one roof light added
Pending

View Planning Timeline

Ownership

Corporate Ownership76.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-04-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density2,954 /km²

Owner Occupied86%

Age Distribution

0-15 16%16-64 59%65+ 25%

View Area Profile

Schools Nearby

Woodhey High School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Darul Uloom Al Arabiya Al Islamiya
0.2 mi
Good
Hazlehurst Primary Academy
0.3 mi
Inspected as Hazlehurst Community Primary School (URN 105296) on 7 Mar 2023
Holcombe Brook Primary School
0.6 mi
Inspected as Holcombe Brook Primary School (URN 105311) on 10 Dec 2024

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

20 Helmsdale Close
-
£290k
-
12 Helmsdale Close
-
£320k
-
8 Helmsdale Close
-
£475k
-
26 Helmsdale Close
-
£400k
-

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