Apartment 1, 1 Higher Gate, Accrington, BB5 6LH

UPRN:10010696803Flat/Maisonette2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: C (80)

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

Apartment 1, 1 Higher Gate, Accrington, BB5 6LH

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£180,000

£144k - £216kLow

Estimate

£180k

Range

£144k – £216k

Rent Estimate (pcm)

£900

£850 - £1k

Monthly

£900

Yield

3.38%

Verdict

Derived from HomePortfolio scores

Apartment 1 earns an INVESTIGATE rating with HP Score 68/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (27/100). 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 2021Police.ukHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

27/ 100

Low

Transit & Bike

Transit 18Bike 19

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead 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: the advert has 6 bedrooms but the valuation snapshot describes 2 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [sold-comps -226.5%, £/sqft -227.1%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 9.3%· as of 28 Oct 2026
Rental economics0/40
gross yield 4.4% on contractual rent (listing-disclosed tenancy); contractual 2110/mo far above the 900/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 2110/mo (tenanted)· as of 3 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -620/mo, -53% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 436 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 & liquidity9.2/15
677 sales/12mo in area; valuation range width 40%
- 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

£240,000£368,000

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£320,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £103,300
Net cash flow: -£457/mo
Cash on cash: -5.3%
Score at this price: 9

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.83 - 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

property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 9.3%Valuation edge · as of 28 Oct 2026
listing_factscontractual rent 2110/mo (tenanted)Rental economics · as of 3 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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
contractual rent 2110/mo (tenanted)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 436 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. 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£180,000

Rent Estimate (pcm)£900

Gross Yield3.38%

1y Growth-

3y Growth+6.4%

5y Growth+4.6%

10y Growth+3.7%

Last Sold Price£124,500 (2007-06-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB5 6LH

Approval Rate

-12mo

Development

low

11/26/0461
Full: Change of use from Residential Institution (Use Class C2) to a single-family dwelling house (Use Class C3), including associated internal alterations
Pending
11/26/0451
Householder: Erection of first floor front extension
Pending
11/26/0342
Listed Building Consent: Repairs and refurbishment of Huncoat War Memorial
Pending

View Planning Timeline

Ownership

Corporate Ownership64.2%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2007-06-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,647

Population Density-

Owner Occupied76%

Age Distribution

0-15 19%16-64 63%65+ 18%

View Area Profile

Schools Nearby

Accrington Huncoat Primary School
0.1 mi
Inspected as Accrington Huncoat Primary School (URN 119182) on 5 Jul 2017
Accrington Peel Park Primary School
1.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Hapton Church of England/Methodist Primary School
1.2 mi
Good
Accrington St John with St Augustine Church of England Primary School
1.2 mi
Good

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

View All Schools

Comparables

View All

1 Higher Gate
-
£260k
-
8 - 9 Higher Gate
-
£143k
-
Pipers Row Cottage Higher Gate
-
£230k
-
Lower Hill Barn Higher Gate
-
£246k
-

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