19 Finance Street, Littleborough, OL15 8ND

UPRN:23084425Terrace Property2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: C (71)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

19 Finance Street, Littleborough, OL15 8ND

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£128,000

£115k - £141kMedium

Estimate

£128k

Range

£115k – £141k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

6.22%

Verdict

Derived from HomePortfolio scores

19 Finance Street earns an INVESTIGATE rating with HP Score 70/100. Investment score 54/100 reflects moderate fundamentals. Walkability is limited (62/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

No data

Walkability

62/ 100

Moderate

Transit & Bike

Transit 26Bike 41

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£135,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £42,000
Net cash flow: £29/mo
Cash on cash: 0.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.54 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£128,000

Rent Estimate (pcm)£700

Gross Yield6.22%

1y Growth-

3y Growth+1.7%

5y Growth+4.1%

10y Growth+5.2%

Last Sold Price£71,000 (2016-11-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OL15 8ND

Approval Rate

-12mo

Development

low

PL/2026/0910
Reconfiguration of existing jetwash building to form to replacement sales building including single-storey front extension and change of use of existing shop to retail bakery use (Use class E (a/b)), including new shopfronts, new car parking and installation of bollards
Pending
OTH/2026/0970
Submission of details to comply with conditions 4 (Sustainable Surface Water Drainage Scheme) and 5 (Habitat Management and Monitoring Plan) of planning permission PL/2026/0535
Pending
PL/2026/0962
Part single storey, part two storey side and rear extensions, alterations to existing fenestration and partial demolition of existing detached garage
Pending

View Planning Timeline

Ownership

Corporate Ownership55.7%
Overseas OwnershipNo
Lease Term Remaining833 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2016-11-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density-

Owner Occupied81%

Age Distribution

0-15 21%16-64 62%65+ 17%

View Area Profile

Schools Nearby

St Andrew's Church of England Primary School and Nursery
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wardle Academy
0.5 mi
Good
Smithy Bridge Foundation Primary School
0.6 mi
Good
St Mary's Roman Catholic Primary School, a Voluntary Academy
0.7 mi
Inspected as St Mary's Roman Catholic Primary School, Littleborough (URN 105816) on 25 Nov 2021

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

View All Schools

Comparables

View All

13 Finance Street
-
£92k
-
23 Finance Street
-
£64k
-
25 Finance Street
-
£74k
-
19 Finance Street
-
£71k
-

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