45 Bader Drive, Heywood, OL10 2QS

UPRN:23005600Semi-Detached House2 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band BEPC: C (73)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£200,000

£190k - £210kHigh

Estimate

£200k

Range

£190k – £210k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

6.30%

Verdict

Derived from HomePortfolio scores

45 Bader Drive earns an INVESTIGATE rating with HP Score 70/100. Investment score 66/100 reflects moderate fundamentals. Walkability is limited (40/100). 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

70/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

No data

Walkability

40/ 100

Mixed

Transit & Bike

Transit 20Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +0.0% (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 Oct 2026
- valuation_snapshotsestimate for 23005600· as of 9 Oct 2026
Rental economics9.5/40
gross yield 6.3%; range width penalty ×0.91
- valuation_snapshotsrent estimate 1050/mo (range 1000-1150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -202/mo, -19% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 105 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 4 Nov 2026
Risk & liquidity14.6/15
305 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

£150,000£230,000

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£200,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £52/mo
Cash on cash: 1.0%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - 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 23005600Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1050/mo (range 1000-1150)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1050/mo (range 1000-1150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 105 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. 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£200,000

Rent Estimate (pcm)£1,050

Gross Yield6.30%

1y Growth-

3y Growth+7.0%

5y Growth+6.0%

10y Growth+5.7%

Last Sold Price£152,000 (2020-10-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OL10 2QS

Approval Rate

-12mo

Development

low

OTH/2026/0996
Submission of details to comply with conditions 15 (Ground Investigation and Risk Assessment), 16 (Intrusive Ground Investigation), 17 (Archaeological Investigation), 19 (Foul Drainage Scheme), 20 (Surface Water Drainage Scheme), 21 (Construction Method Statement), 22 (Construction Traffic Managment Plan), 23 (Construction Environment Management Plan), 24 (Noise Mitigation Scheme), 25 (Landscape and Habitat Creation Management Plan), 26 (Method Statement for Invasive Plant Species), 27 (Arboricultural Impact Assessment), 30 (Highways Access Scheme off Manchester Road) and 34 (Lighting Details) of planning permission 16/01399/HYBR
Pending
PL/2026/0883
Section 73 application for amendments to planning permission 24/00768HOUS for alterations to ridge and eaves height of front and rear dormer extensions together with alterations to window openings.
Approved
PL/2026/0918
Application for a certificate of lawfulness for a proposed loft conversion with side dormer extensions
Approved

View Planning Timeline

Ownership

Corporate Ownership49.4%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-10-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density-

Owner Occupied86%

Age Distribution

0-15 20%16-64 59%65+ 21%

View Area Profile

Schools Nearby

Newhouse Academy
0.2 mi
Requires improvement
Hopwood Community Primary School
0.5 mi
Outstanding
Holy Family Roman Catholic and Church of England College
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Joseph's Roman Catholic Primary School Rochdale, a Voluntary Academy
0.5 mi
Inspected as St Joseph's Roman Catholic Primary School, Rochdale (URN 105833) on 19 Feb 2020

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

View All Schools

Comparables

View All

42 Bader Drive
-
£270k
-
30 Bader Drive
-
£295k
-
36 Bader Drive
-
£235k
-
47 Bader Drive
-
£290k
-

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