2 Holmes Terrace, Reedsholme, Rossendale, BB4 8LL

UPRN:10014329647End Terrace House2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: D (59)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

2 Holmes Terrace, Reedsholme, Rossendale, BB4 8LL

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£162,000

£130k - £194kLow

Estimate

£162k

Range

£130k – £194k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

10.15%

Verdict

Derived from HomePortfolio scores

2 Holmes Terrace earns an INVESTIGATE rating with HP Score 72/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (38/100). 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 company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

38/ 100

Mixed

Transit & Bike

Transit 8Bike 12

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 economics37.1/40
gross yield 10.2%; range width penalty ×0.93; the estimate this rent rides on sits 20% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1100/mo (range 1050-1200)· as of 11 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 20% above the ask on the same snapshot - verify the rent describes this home· as of 11 Nov 2026· verify before relying on this
Stress margin11.8/30
stressed cash flow +130/mo, +12% 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 4 Nov 2026· verify before relying on this
Risk & liquidity9.3/15
477 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£130,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £323/mo
Cash on cash: 9.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.51 - 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_snapshotsrent estimate 1100/mo (range 1050-1200)Rental economics · as of 11 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 20% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12mo

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 1100/mo (range 1050-1200)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£162,000

Rent Estimate (pcm)£1,100

Gross Yield10.15%

1y Growth-

3y Growth+1.1%

5y Growth+2.4%

10y Growth+3.9%

Last Sold Price£72,000 (2016-11-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0BB4 8LL

Approval Rate

-12mo

Development

low

2026/0036/TPO
Works to trees within TPO specifically Tree A Elm - reduce side branches heading towards property by approx 2 metres to suitable growth points, Tree B Elm - Fell due to it heading over property and going to cause footpath problems
Approved
2026/0400
Single Storey Rear Extension
Pending
2026/0242
Variation of Condition 2 (Approved Plans) pursuant to approval 2026/0020. The Variation seeks to extend the projection of the single storey element of the approved extension by 680mm.
Conditions

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining825 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2016-11-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density826 /km²

Owner Occupied91%

Age Distribution

0-15 20%16-64 59%65+ 21%

View Area Profile

Schools Nearby

Rawtenstall St Paul's Church of England Primary School
0.6 mi
Good
Alder Grange School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Mary's CofE Primary School Rawtenstall
0.8 mi
-
St James-the-Less Roman Catholic Primary School, Rawtenstall
0.8 mi
Good

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Holmes Terrace
-
£72k
-
2 Holmes Terrace
-
£48k
-
2 Holmes Terrace
-
£69k
-

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