137 Waterloo Street, Manchester, M9 8AN

UPRN:10070862760Terrace Property4 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band DEPC: C (80)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£264,000

£251k - £277kHigh

Estimate

£264k

Range

£251k – £277k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

9.46%

Verdict

Derived from HomePortfolio scores

137 Waterloo Street earns an INVESTIGATE rating with HP Score 76/100. Investment score 67/100 reflects moderate fundamentals. Walkability is good (79/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

No data

Walkability

79/ 100

High

Transit & Bike

Transit 36Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 9 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +1.5% (HIGH)] → 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
Market estimate used (HIGH confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 10070862760· as of 14 Nov 2026
Rental economics35.7/40
gross yield 9.5%; range width penalty ×1.00
- valuation_snapshotsrent estimate 2050/mo (range 1950-2150)· as of 14 Nov 2026· verify before relying on this
Stress margin13.7/30
stressed cash flow +280/mo, +14% 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 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 131 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 & liquidity14.7/15
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 sensitivityScores 80+ up to £201,500

£195,000£299,000

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£260,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,950-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £82,300
Net cash flow: £542/mo
Cash on cash: 7.9%
Score at this price: 64

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.34 - 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 10070862760Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 2050/mo (range 1950-2150)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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
rent estimate 2050/mo (range 1950-2150)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Set your walk-away price before viewing - above £201,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£264,000

Rent Estimate (pcm)£2,050

Gross Yield9.46%

1y Growth-10.5%

3y Growth+6.1%

5y Growth+7.2%

10y Growth+7.6%

Last Sold Price£144,379 (2026-06-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0M9 8AN

Approval Rate

-12mo

Development

low

PLA-2026-001994
Erection of rear extension , ancillary outbuilding , front porch and an increase in height of boundary treatment and associated landscaping with a change in levels in the rear garden.
Pending
PLA-2026-002011
Change of use of garage together with single-storey extension to form a self contained studio flat.
Pending
PLA-2026-001889
Removal of reinforced autoclaved aerated concrete (RAAC) and roof; replacement of exterior glazing and doors; refurbishment of internal seating area including new floor, wall and ceiling finishes and refurbishment of adjacent WC including new sanitaryware; replacement and reinstatement of mechanical and electrical installations including lighting, emergency lighting and fire alarm systems; replacement of kitchen servery fire suppression system; and installation of upgraded ventilation systems.
Pending

View Planning Timeline

Ownership

Corporate Ownership66.6%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2026-06-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

1 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density5,570 /km²

Owner Occupied50%

Age Distribution

0-15 26%16-64 60%65+ 14%

View Area Profile

Schools Nearby

Irk Valley Community School
0.2 mi
Good
Oasis Academy Harpur Mount
0.4 mi
Good
Mount Carmel RC Primary School, a Voluntary Academy
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Pike Fold Primary School
0.5 mi
Good

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

View All Schools

Comparables

View All

160 Waterloo Street
-
£300k
-
155 Waterloo Street
-
£237k
-
137 Waterloo Street
-
£144k
-
149 Waterloo Street
-
£255k
-

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