123 Bingley Road, Bradford, BD9 6RU

UPRN:10070061561Detached House4 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band FEPC: C (71)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£400,000

£320k - £480kLow

Estimate

£400k

Range

£320k – £480k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

4.56%

Verdict

Derived from HomePortfolio scores

123 Bingley Road earns an INVESTIGATE rating with HP Score 71/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (48/100). 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 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

71/ 100

Mixed

Investment Score

74/ 100

High

Crime Score

30/ 100

Moderate

Walkability

48/ 100

Mixed

Transit & Bike

Transit 31Bike 14

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 economics0/40
gross yield 4.6%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1900/mo (range 1750-2050)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -843/mo, -44% 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 6 Nov 2026
Risk & liquidity9.2/15
123 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£500,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,750-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £166,300
Net cash flow: -£372/mo
Cash on cash: -2.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - 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

valuation_snapshotsrent estimate 1900/mo (range 1750-2050)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 1900/mo (range 1750-2050)

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. 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£400,000

Rent Estimate (pcm)£1,900

Gross Yield4.56%

1y Growth+60.4%

3y Growth+7.4%

5y Growth+5.2%

10y Growth+2.8%

Last Sold Price£235,000 (2025-10-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BD9 6RU

Approval Rate

-12mo

Development

low

26/03092/HOU
Hip to gable roof conversion with front and rear dormer windows, single storey side extension and front porch
Pending
26/03189/HOU
Single storey side and rear extension
Pending
26/03085/HVC
Variation of condition 2 (approved plans) of planning permission 26/00005/HOU to allow for alterations to roof and first floor extension due to structural complications on site
Pending

View Planning Timeline