Brow Lane House, Brow Lane, Wirral, CH60 0DT

UPRN:42018245Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: -

Data freshness:Price Paid· freshPlanning· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

Brow Lane House, Brow Lane, Wirral, CH60 0DT

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£1,353,000

£1.28M - £1.42MHigh

Estimate

£1.35M

Range

£1.28M – £1.42M

Rent Estimate (pcm)

£4,150

£4k - £5k

Monthly

£4,150

Yield

3.98%

Verdict

Derived from HomePortfolio scores

Brow Lane House earns an INVESTIGATE rating with HP Score 85/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (83/100). 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 SourcesPortal 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

85/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

3/ 100

Low

Walkability

83/ 100

High

Transit & Bike

Transit 23Bike 45

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 +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 Oct 2026
- valuation_snapshotsestimate for 42018245· as of 9 Oct 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.69
- valuation_snapshotsrent estimate 4150/mo (range 3600-4650)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,353/mo, -57% 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), 196 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
152 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

£937,500£1,437,500

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£1,250,000

At the asking price

Monthly rent£4,150/mo

Evidenced range £3,600-£4,650

Interest rate5.4%

Loan to value75%

Cash required: £445,050
Net cash flow: -£1,346/mo
Cash on cash: -3.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.98 - below 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 42018245Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 4150/mo (range 3600-4650)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 4150/mo (range 3600-4650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 196 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£1,353,000

Rent Estimate (pcm)£4,150

Gross Yield3.98%

1y Growth-

3y Growth+4.1%

5y Growth+2.6%

10y Growth+5.0%

Last Sold Price£700,000 (2006-03-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH60 0DT

Approval Rate

-12mo

Development

low

RVC/26/00932
Variation of condition 2 of planning application APPH/26/00172 (Single storey rear extension, two storey rear extension, increase in roof height, rear dormer extension, extension of existing rear patio and new front porch) to allow for the alteration of the roof material from concrete tiles to Zinc effect metal (Amended Description)
Pending
APPH/26/00892
CREATION OF FIRST FLOOR TO INCLUDE DORMER WINDOWS / ROOF HEIGHT INCREASE
Pending
APP/26/00819
The proposal seeks permission for the installation of 6 number Air Source Heat pump to serve six flats.
Pending

View Planning Timeline

Ownership

Corporate Ownership61.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-03-07
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 Occupied95%

Age Distribution

0-15 15%16-64 48%65+ 37%

View Area Profile

Schools Nearby

Heswall St Peter's CofE Primary School
0.1 mi
Good
Gayton Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Heswall Primary School
0.8 mi
Inspected as Heswall Primary School (URN 105038) on 28 Jan 2022
Barnston Primary School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.

5 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Brow Lane House Brow Lane
-
£700k
-
Byways Brow Lane
-
£440k
-
Robinswood Brow Lane
-
£750k
-
Kinross Brow Lane
-
£320k
-

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