Flat 8, Estuary View, 46 Hoyle Road, Wirral, CH47 3BL

UPRN:42206404Flat/Maisonette2 bedsBuilt 2023

LeaseholdCouncil Tax: Band DEPC: B (83)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

Flat 8, Estuary View, 46 Hoyle Road, Wirral, CH47 3BL

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£493,000

£468k - £518kHigh

Estimate

£493k

Range

£468k – £518k

Rent Estimate (pcm)

£3,200

£3k - £3k

Monthly

£3,200

Yield

7.68%

Verdict

Derived from HomePortfolio scores

Flat 8 earns an INVESTIGATE rating with HP Score 88/100. Investment score 80/100 reflects strong fundamentals. Crime intensity is very low. 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 listingsMarket 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)ONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

88/ 100

Strong

Investment Score

80/ 100

High

Crime Score

10/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 3 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge1.4/15
claims [AVM -1.4% (HIGH), sold-comps +1.8%, £/sqft +1.7%] → measured edge +0.29pp 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 12 Oct 2026
- valuation_snapshotsestimate for 42206404· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 12.8%· as of 21 Oct 2026
Rental economics21.4/40
gross yield 7.7%; range width penalty ×1.00
- valuation_snapshotsrent estimate 3200/mo (range 3050-3350)· as of 12 Oct 2026· verify before relying on this
Stress margin3.5/30
stressed cash flow +113/mo, +4% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 193 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 3 Nov 2026
Risk & liquidity14.6/15
124 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 £400,000

£375,000£575,000

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£500,000

At the asking price

Monthly rent£3,200/mo

Evidenced range £3,050-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £166,300
Net cash flow: £528/mo
Cash on cash: 3.8%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.90 - 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 42206404Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 12.8%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 3200/mo (range 3050-3350)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 3200/mo (range 3050-3350)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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 £400,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£493,000

Rent Estimate (pcm)£3,200

Gross Yield7.68%

1y Growth+2.3%

3y Growth+6.3%

5y Growth+2.7%

10y Growth+4.1%

Last Sold Price£470,000 (2023-12-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CH47 3BL

Approval Rate

-12mo

Development

low

LDC/26/00851
This application seeks formal agreement that a material operation has been undertaken in respect of planning permission ref. APP/22/01127 at 8 Melrose Avenue, Hoylake, CH47 3BU. It is asserted that the development has lawfully commenced as per the provisions of Section 56 of the Town and Country Planning Act 1990 (as amended) and can now be completed at any point in the future.
Pending
APPH/26/00840
Single storey side and rear extension
Pending
ADV/26/00828
Application for advertisement consent for installation of a proposed new global street hub, including the associated display of advertisements on both sides of the unit.
Pending

View Planning Timeline

Ownership

Corporate Ownership68.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2023-12-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,959

Population Density5,880 /km²

Owner Occupied81%

Age Distribution

0-15 18%16-64 60%65+ 22%

View Area Profile

Schools Nearby

Hoylake Holy Trinity CofE Primary School
0.4 mi
Inspected as Hoylake Holy Trinity CofE Primary School (URN 105063) on 23 May 2023
Great Meols Primary School
0.9 mi
Good
West Kirby Grammar School
1.5 mi
Good
West Kirby Primary School
1.5 mi
Good

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Estuary View, 46 Hoyle Road
-
£455k
-
Estuary View, 46 Hoyle Road
-
£460k
-
Estuary View, 46 Hoyle Road
-
£475k
-
Estuary View, 46 Hoyle Road
-
£525k
-

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