Flat 2, 10 Bankfield Street, Manchester, M9 8DQ

UPRN:10070395092Purpose Built Flat2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: Band AEPC: C (69)

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

Flat 2, 10 Bankfield Street, Manchester, M9 8DQ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£100,000

£95k - £105kHigh

Estimate

£100k

Range

£95k – £105k

Rent Estimate (pcm)

£700

£700 - £750

Monthly

£700

Yield

8.40%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 69/100. Investment score 66/100 reflects moderate fundamentals. Walkability is limited (65/100). 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

69/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

No data

Walkability

65/ 100

Moderate

Transit & Bike

Transit 40Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 9 Nov 2026

Fewer independent sources agree, or a component could not be scored.

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 edge2.5/15
claims [AVM +0.0% (HIGH), sold-comps +11.5%, £/sqft +11.7%] → measured edge +0.50pp 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10070395092· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 21.3%· as of 29 Oct 2026
Rental economics27.2/40
gross yield 8.4%; range width penalty ×1.00
- valuation_snapshotsrent estimate 700/mo (range 700-750)· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -37/mo, -5% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 107 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 9 Nov 2026
Risk & liquidity14.6/15
269 sales/12mo in area; valuation range width 10%
- 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

£75,000£115,000

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£100,000

At the asking price

Monthly rent£700/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £31,300
Net cash flow: £147/mo
Cash on cash: 5.6%
Score at this price: 44

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.07 - 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 10070395092Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 21.3%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 700/mo (range 700-750)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 700/mo (range 700-750)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. 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.
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£100,000

Rent Estimate (pcm)£700

Gross Yield8.40%

1y Growth-

3y Growth+6.1%

5y Growth+7.2%

10y Growth+7.6%

Last Sold Price£39,950 (2001-07-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M9 8DQ

Approval Rate

-12mo

Development

low

PLA-2026-000937
Erection of a two storey side extension and a single storey rear extension, including creation of first floor terrace in association with the creation of 1 no. additional self contained apartment (2 flats in total) at first floor and within the roof space and enlargement of ground floor retail unit
Pending
PLA-2026-002001
Proposed change in occupation of existing mid-terrace C3 dwelling to C3B residential supported living occupancy by two vulnerable adults with associated live-in care workers.
Pending
PLA-2026-001810
Use of the property as two self-contained flats (Use Class C3).
Pending

View Planning Timeline

Ownership

Corporate Ownership66.6%
Overseas OwnershipNo
Lease Term Remaining123 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2001-07-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density-

Owner Occupied21%

Age Distribution

0-15 29%16-64 61%65+ 10%

View Area Profile

Schools Nearby

Oasis Academy Harpur Mount
0.2 mi
Good
Holy Trinity CofE Primary School
0.3 mi
Requires improvement
Mount Carmel RC Primary School, a Voluntary Academy
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Irk Valley Community School
0.3 mi
Good

1 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

16 Bankfield Street
-
£95k
-
14 Bankfield Street
-
£111k
-
8 Bankfield Street
-
£110k
-
12 Bankfield Street
-
£100k
-

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