Apartment 28, Victoria Mill, Miry Lane, Wigan, WN3 4FQ

UPRN:10093943349Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band AEPC: D (57)

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

Apartment 28, Victoria Mill, Miry Lane, Wigan, WN3 4FQ

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£119,000

£113k - £124kHigh

Estimate

£119k

Range

£113k – £124k

Rent Estimate (pcm)

£750

£700 - £800

Monthly

£750

Yield

8.18%

Verdict

Derived from HomePortfolio scores

Apartment 28 earns an INVESTIGATE rating with HP Score 80/100. Investment score 66/100 reflects moderate fundamentals. Walkability is excellent (85/100). 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

80/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

No data

Walkability

85/ 100

Excellent

Transit & Bike

Transit 58Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 11 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 +7.6% (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 9 Nov 2026
- valuation_snapshotsestimate for 10093943349· as of 9 Nov 2026
Rental economics24.3/40
gross yield 8.0% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 737/mo (tenanted)· as of 11 Nov 2026
Stress margin0/30
stressed cash flow -52/mo, -7% 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 11 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 72 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 11 Nov 2026
Risk & liquidity14.8/15
285 sales/12mo in area; valuation range width 9%
- 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

£82,500£126,500

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£110,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£800

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £148/mo
Cash on cash: 5.2%
Score at this price: 39

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.02 - 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 10093943349Valuation edge · as of 9 Nov 2026
listing_factscontractual rent 737/mo (tenanted)Rental economics · as of 11 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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
Stress margin needs verification before you rely on it
costs not disclosed by the advert
Seller motivation could not be scored
context, not scored: 0 price cut(s), 72 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. 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.
2. 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£119,000

Rent Estimate (pcm)£750

Gross Yield8.18%

1y Growth-

3y Growth+1.4%

5y Growth+3.3%

10y Growth+3.0%

Last Sold Price£112,495 (2020-05-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0WN3 4FQ

Approval Rate

-12mo

Development

low

A/26/101724/CON
Condition Discharge application to discharge Condition No.5 (Ecological Enhancements), Condition No.6 (Materials), Condition No.7 (Refuse Storage) and Condition No.10 (Landscaping) in respect of approved application A/25/099430/FULL
Pending
A/26/101666/CON
Condition Discharge application to PART discharge Condition No.41 (Noise - in relation to the Hotel only) in respect of approved application A/25/099781/VARMAJ
Pending
A/26/101658/CON
Condition Discharge application to discharge Condition No.20 (Bat Surveys) and Condition No.22 (Landscape Management Plan) and Supplementary Details relating to Condition No.14 (Landscaping) in respect of approved application A/23/96251/MAJPSI
Pending

View Planning Timeline

Ownership

Corporate Ownership66.5%
Overseas OwnershipNo
Lease Term Remaining241 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2020-05-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,615

Population Density-

Owner Occupied52%

Age Distribution

0-15 14%16-64 72%65+ 14%

View Area Profile

Schools Nearby

TMP College
0.3 mi
-
The Deanery Church of England High School and Sixth Form College
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wigan and Leigh College
0.3 mi
-
The Ark Wigan Ltd
0.4 mi
-

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Victoria Mill Miry Lane
-
£46k
-
Victoria Mill Miry Lane
-
£117k
-
Victoria Mill Miry Lane
-
£116k
-
Victoria Mill Miry Lane
-
£40k
-

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