4 The Spinney, Whitefield, Manchester, M45 7LZ

UPRN:100012713481Mid Terrace House4 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band GEPC: C (77)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

4 The Spinney, Whitefield, Manchester, M45 7LZ

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£647,000

£615k - £679kHigh

Estimate

£647k

Range

£615k – £679k

Rent Estimate (pcm)

£3,800

£4k - £4k

Monthly

£3,800

Yield

7.02%

Verdict

Derived from HomePortfolio scores

4 The Spinney earns an INVESTIGATE rating with HP Score 59/100. Investment score 53/100 reflects moderate fundamentals. Walkability is limited (24/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

No data

Walkability

24/ 100

Low

Transit & Bike

Transit 24Bike 11

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is held on a lease but the UPRN is valued as a freehold house - the listing is likely a unit within the building

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£650,000

At the asking price

Monthly rent£3,800/mo

Evidenced range £3,550-£4,050

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: £437/mo
Cash on cash: 2.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.73 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£647,000

Rent Estimate (pcm)£3,800

Gross Yield7.02%

1y Growth-

3y Growth+3.8%

5y Growth+4.2%

10y Growth+5.6%

Last Sold Price£135,000 (1998-10-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1M45 7LZ

Approval Rate

-12mo

Development

low

73780
Two storey front infill extension; First floor front extension; First floor rear extension; Garage conversion; Demolition of existing conservatory; Alterations to windows
Pending
73634
First floor rear extension and loft conversion, with a ridge height raise of 1.3m; 1 no. rear dormer; side infill extension; 1. no side dormer ; 2 front Velux windows; new windows on the front outrigger; render rear of the building.
Conditions
73635
Lawful Development Certificate for proposed single storey rear extension
Approved

View Planning Timeline

Ownership

Corporate Ownership71.1%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeFreehold
Last Ownership Change1998-10-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density393 /km²

Owner Occupied89%

Age Distribution

0-15 18%16-64 51%65+ 31%

View Area Profile

Schools Nearby

Chapelfield Primary School
0.6 mi
Good
Philips High School
0.7 mi
Inspected as Philips High School (URN 105360) on 14 Jun 2022
St John's Church of England Primary School, Radcliffe
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Higher Lane Primary School
0.8 mi
Report card2025
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

2 The Spinney
-
£299k
-
9 The Spinney
-
£310k
-
6 The Spinney
-
£350k
-
11 The Spinney
-
£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