Cariam Cottage, West Ancroft, Berwick-upon-Tweed, TD15 2TD

UPRN:10014490328Detached Bungalow4 bedsBuilt 1950-1966

FreeholdCouncil Tax: -EPC: E (47)

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

Cariam Cottage, West Ancroft, Berwick-upon-Tweed, TD15 2TD

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£481,000

£433k - £529kMedium

Estimate

£481k

Range

£433k – £529k

Rent Estimate (pcm)

£1,350

£1k - £2k

Monthly

£1,350

Yield

Verdict

Derived from HomePortfolio scores

Cariam Cottage earns an INVESTIGATE rating with HP Score 47/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (0/100). 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 NationsMarket estimates (third-party AVM)Defra 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

47/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

22/ 100

Moderate

Walkability

0/ 100

Low

Transit & Bike

Transit 20Bike 12

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

4 live adverts with different prices, types or bedrooms on one UPRN (£31,998-£41,998) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£33,998

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,200-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £9,800
Net cash flow: £820/mo
Cash on cash: 100.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 11.77 - 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£481,000

Rent Estimate (pcm)£1,350

Gross Yield-

1y Growth-

3y Growth+2.9%

5y Growth+3.0%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TD15 2TD

Approval Rate

-12mo

Development

low

25/02382/VARYCO
Variation of conditions 2 (approved plans), 4 (construction method statement), 5 (car parking), 6 (vehicular access), 7 (cycle parking) and 8 (refuse storage) on approved application 23/02272/FUL in order to facilitate minor revisions (including materials) to development and to allow discharge of construction method statement and highways related conditions
Approved
25/01339/CLPROP
Certificate of Lawful Development - Proposed [use/development] for construction of wooden decking (platform) on self-install ground screws, garden hut with sauna and hot tub, connection of power and rainwater supply.
Rejected
25/00110/VARYCO
Variation of Condition 2 (Approved Plans) and removal of Conditions 4 (Construction Method Statement), 5 (Car Parking), 6 (Vehicular Access), 7 (Cycle Parking), 8 (Refuse Details), and 9 (External Refuse) on approved application 23/02272/FUL (amended description 16.05.2025).
Rejected

View Planning Timeline

Ownership

Corporate Ownership65.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,456

Population Density-

Owner Occupied59%

Age Distribution

0-15 11%16-64 58%65+ 31%

View Area Profile

Schools Nearby

Longridge Towers School
2.7 mi
Inspected by ISI
Scremerston First School
3.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Prior Park Primary School
4.0 mi
Good
The Grove Special School
4.0 mi
-

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

View All Schools

Comparables

View All

1 West Allerdean Cottages
-
£270k
-
The Old Manse
-
£650k
-
Ancroft South Moor
-
£180k
-
Ancroft South Moor
-
£300k
-

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