25 Church Mews, Birkenhead, CH42 1RZ

UPRN:42171716Terrace Property3 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band BEPC: C (76)

Data freshness:Listing· freshPlanning· 5mo agoOwnership· freshEPC· 2mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 3mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£179,000

£170k - £188kHigh

Estimate

£179k

Range

£170k – £188k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

8.33%

Verdict

Derived from HomePortfolio scores

25 Church Mews earns an INVESTIGATE rating with HP Score 61/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (43/100). 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

61/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

34/ 100

Moderate

Walkability

43/ 100

Mixed

Transit & Bike

Transit 30Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 12 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -0.6% (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 Nov 2026
- valuation_snapshotsestimate for 42171716· as of 9 Nov 2026
Rental economics26.7/40
gross yield 8.3%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1250/mo (range 1200-1300)· as of 9 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 12 Nov 2026· verify before relying on this
Stress margin2.4/30
stressed cash flow +29/mo, +2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 82 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 12 Nov 2026
Risk & liquidity14.6/15
336 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 sensitivityScores 70+ up to £139,500

£135,000£207,000

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£180,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,200-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £258/mo
Cash on cash: 5.5%
Score at this price: 44

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.06 - 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 42171716Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1250/mo (range 1200-1300)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 12 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1250/mo (range 1200-1300)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Set your walk-away price before viewing - above £139,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£179,000

Rent Estimate (pcm)£1,250

Gross Yield8.33%

1y Growth-10.5%

3y Growth+3.2%

5y Growth+3.6%

10y Growth+4.5%

Last Sold Price£98,790 (2004-02-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH42 1RZ

Approval Rate

-12mo

Development

low

ADV/26/00872
Installation of a digital advertisement display
Pending
APP/26/00703
Application for planning permission on a retrospective basis for the installation of an ATM
Pending
APP/26/00706
Application for planning permission on a retrospective basis for the change of use from vacant public house to GF storage unit with additional external alterations with additional external alterations.
Pending

View Planning Timeline

Ownership

Corporate Ownership82.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2004-02-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,959

Population Density-

Owner Occupied23%

Age Distribution

0-15 19%16-64 64%65+ 17%

View Area Profile

Schools Nearby

St Anne's Catholic Primary School
0.3 mi
-
Rock Ferry Primary School
0.4 mi
Inspected as Rock Ferry Primary School (URN 105045) on 27 Feb 2020
Utopia
0.5 mi
Good
Grove Street Primary School
0.6 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

27 Church Mews
-
£140k
-
3 Church Mews
-
£158k
-
33 Church Mews
-
£155k
-
29 Church Mews
-
£142k
-

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