4 Gorses, Bury, BL9 6UD

UPRN:23029577Semi-Detached House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: E (52)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

14 of 21 sources

Sale Estimate

£683,000

£649k - £717kHigh

Estimate

£683k

Range

£649k – £717k

Rent Estimate (pcm)

£3,850

£4k - £4k

Monthly

£3,850

Yield

7.11%

Verdict

Derived from HomePortfolio scores

4 Gorses earns an INVESTIGATE rating with HP Score 53/100. Investment score 52/100 reflects moderate fundamentals. Walkability is limited (17/100). 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 NationsMarket estimates (third-party AVM)Defra 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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

53/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

No data

Walkability

17/ 100

Low

Transit & Bike

Transit 12Bike 22

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing 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 +4.8% (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 23029577· as of 9 Oct 2026
Rental economics15.4/40
gross yield 7.1%; range width penalty ×0.91
- valuation_snapshotsrent estimate 3850/mo (range 3600-4150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -42/mo, -1% 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), 58 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
495 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

£487,500£747,500

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£650,000

At the asking price

Monthly rent£3,850/mo

Evidenced range £3,600-£4,150

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: £472/mo
Cash on cash: 2.6%
Score at this price: 30

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.75 - 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 23029577Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3850/mo (range 3600-4150)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 3850/mo (range 3600-4150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 58 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£683,000

Rent Estimate (pcm)£3,850

Gross Yield7.11%

1y Growth-

3y Growth+7.2%

5y Growth+5.3%

10y Growth+5.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3BL9 6UD

Approval Rate

0%12mo

Development

low

PL/2026/0757
Demolition of existing farmhouse, storage building, and stables, Erection of 4no. dwellings houses with integral garages, formation of hardstanding new access and car parking with associated landscaping
Pending
OTH/2026/0955
Proposed felling of 1No. Silver Birch Tree and 1 No. Sycamore Tree under TPO010 and within Birtle Conservation Area.
Pending
OTH/2026/0886
Submission of details to comply with conditions 3 (Foul and Surface Water), 4 (Site Investigation), 7 (HMMP), 9 (Hard/Soft Landscaping) and 10 (Materials) of planning permission 24/00911/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership50.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density77 /km²

Owner Occupied68%

Age Distribution

0-15 15%16-64 62%65+ 23%

View Area Profile

Schools Nearby

Heywood Academy
0.8 mi
-
St Michael's Church of England Primary School, Bamford
0.9 mi
Outstanding
Woodland Community Primary School
1.0 mi
-
Fairfield Community Primary School
1.0 mi
Inspected as Fairfield Community Primary School (URN 105287) on 29 Mar 2023

7 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

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