45 Bentinck Street, Birkenhead, CH41 4PG

UPRN:42010149End Terrace HouseBeds -Built 1950-1966

Tenure: -Council Tax: Band AEPC: C (73)

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

45 Bentinck Street, Birkenhead, CH41 4PG

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£129,000

£103k - £155kLow

Estimate

£129k

Range

£103k – £155k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

5.04%

Verdict

Derived from HomePortfolio scores

45 Bentinck Street earns an INVESTIGATE rating with HP Score 70/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (83/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)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.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

42/ 100

Elevated

Walkability

83/ 100

High

Transit & Bike

Transit 41Bike 55

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£250,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: -£117/mo
Cash on cash: -1.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.24 - below 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£129,000

Rent Estimate (pcm)£1,050

Gross Yield5.04%

1y Growth-

3y Growth-1.5%

5y Growth+1.2%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH41 4PG

Approval Rate

-12mo

Development

low

DIS/26/00925
Application for approval of details reserved by conditions 3 and 4 of approved application LBC/22/00235
Pending
APP/26/00884
Conversion of commercial building to House of Multiple Occupation (24 single occupancy rooms) (sui generis). External alterations including new shopfront, new windows and replacement windows. Bin and bicycle stores to rear. External staircase to rear and balustrade to first floor.
Pending
APP/26/00886
Use of the ground floor as 2no. flats and associated changes to the ground floor fenestration on the front and rear elevations.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£32,959

Population Density-

Owner Occupied24%

Age Distribution

0-15 25%16-64 66%65+ 9%

View Area Profile

Schools Nearby

Progress Schools - Wirral
0.1 mi
Good
The Priory Parish CofE Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Cathcart Street Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Werburgh's Catholic Primary School
0.4 mi
Good

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

View All Schools

Comparables

View All

39 Bentinck Street
-
£88k
-
29 Bentinck Street
-
£13k
-
23 Bentinck Street
-
£11k
-

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