Apartment 78, City Lofts, 94 The Quays, Salford, M50 3TS

UPRN:10007889451Flat/Maisonette1 bedsBuilt 2007 onwards

LeaseholdCouncil Tax: Band CEPC: B (85)

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

Apartment 78, City Lofts, 94 The Quays, Salford, M50 3TS

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£153,000

£137k - £168kMedium

Estimate

£153k

Range

£137k – £168k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

8.00%

Verdict

Derived from HomePortfolio scores

Apartment 78 earns an INVESTIGATE rating with HP Score 79/100. Investment score 62/100 reflects moderate fundamentals. Walkability is good (81/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

79/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

No data

Walkability

81/ 100

High

Transit & Bike

Transit 100Bike 48

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +2.0% (MEDIUM), sold-comps -5.6%, £/sqft -6.0%] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10007889451· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.8%· as of 28 Oct 2026
Rental economics27.2/40
gross yield 8.4% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 1050/mo (tenanted)· as of 3 Nov 2026
Stress margin0.9/30
stressed cash flow +9/mo, +1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 32 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 3 Nov 2026
Risk & liquidity12.8/15
139 sales/12mo in area; valuation range width 20%
- 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

£112,500£172,500

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£150,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £186/mo
Cash on cash: 4.8%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - 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 10007889451Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.8%Valuation edge · as of 28 Oct 2026
listing_factscontractual rent 1050/mo (tenanted)Rental economics · as of 3 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Stress margin needs verification before you rely on it
costs not disclosed by the advert
Seller motivation could not be scored
context, not scored: 0 price cut(s), 32 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. 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.
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£153,000

Rent Estimate (pcm)£1,000

Gross Yield8.00%

1y Growth-

3y Growth-2.2%

5y Growth-0.5%

10y Growth+3.8%

Last Sold Price£110,000 (2012-11-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M50 3TS

Approval Rate

-12mo

Development

low

OTH/2026/1477
Application for a non-material amendment following a grant of planning permission PA/2024/0864 to make an amendment to condition 2 (Approved Plans), condition 3 and condition 4 (TfGM)
Approved
NOT/2026/1441
Application to determine if prior approval is required for erection of a single-storey rear extension: 5.4m length, 2.58m maximum height, and 2.4m height to the eaves
Pending
OTH/2026/1425
Request for confirmation of compliance of condition 22 (wind mitigation measures) attached to planning permission 19/74484/REM (follow up to OTH/2026/1163)
Conditions

View Planning Timeline

Ownership

Corporate Ownership7%
Overseas OwnershipNo
Lease Term Remaining230 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2012-11-20
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£30,495

Population Density6,807 /km²

Owner Occupied13%

Age Distribution

0-15 4%16-64 93%65+ 3%

View Area Profile

Schools Nearby

AldridgeUTC@MediaCityUK
0.2 mi
Good
Thompsons Academy trading as Navigators
0.4 mi
-
Oasis Academy MediaCityUK
0.6 mi
Report card2025
Ofsted no longer awards a single overall grade.
Acer Academy, Salford
0.6 mi
-

3 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

City Loft, 94 The Quays
-
£145k
-
City Loft, 94 The Quays
-
£253k
-
City Loft, 94 The Quays
-
£222k
-
City Loft, 94 The Quays
-
£280k
-

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