14 Hawley Street, Colne, BB8 8AF

UPRN:61020108Terrace Property2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: C (72)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£99,000

£94k - £104kHigh

Estimate

£99k

Range

£94k – £104k

Rent Estimate (pcm)

£700

£700 - £750

Monthly

£700

Yield

8.40%

Verdict

Derived from HomePortfolio scores

14 Hawley Street earns an INVESTIGATE rating with HP Score 70/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is limited (68/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

74/ 100

High

Crime Score

46/ 100

Elevated

Walkability

68/ 100

Moderate

Transit & Bike

Transit 30Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 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 -1.0% (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 12 Oct 2026
- valuation_snapshotsestimate for 61020108· as of 12 Oct 2026
Rental economics26.7/40
gross yield 8.3% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 695/mo (tenanted)· as of 2 Nov 2026
Stress margin0/30
stressed cash flow -41/mo, -6% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 118 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 2 Nov 2026
Risk & liquidity14.6/15
316 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

£75,000£115,000

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£100,000

At the asking price

Monthly rent£700/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £31,300
Net cash flow: £147/mo
Cash on cash: 5.6%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.07 - 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 61020108Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 695/mo (tenanted)Rental economics · as of 2 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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
Seller motivation could not be scored
context, not scored: 0 price cut(s), 118 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 →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£99,000

Rent Estimate (pcm)£700

Gross Yield8.40%

1y Growth+77.1%

3y Growth+5.5%

5y Growth+1.0%

10y Growth+3.8%

Last Sold Price£35,000 (2024-11-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB8 8AF

Approval Rate

-12mo

Development

low

26/0749/CEU
Certificate of Lawful Use (S.191 Existing Development): Use of property for residential House in Multiple Occupation (HMO) (Use Class C4) for 5 people.
Pending
26/0739/FUL
Full: Change of use from a vehicles sales building (Sui Generis) to a funeral vehicle storage building (Sui Generis), erection of a single storey rear and side extension and demolition of canopy.
Pending
26/0716/FUL
Full: Replacement of existing UPVC windows to sash windows.
Pending

View Planning Timeline

Ownership

Corporate Ownership64.1%
Overseas OwnershipNo
Lease Term Remaining853 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2024-11-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,742

Population Density2,134 /km²

Owner Occupied43%

Age Distribution

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

View Area Profile

Schools Nearby

Colne Lord Street School
0.3 mi
Good
Colne Primet Primary School
0.3 mi
Good
Colne Primet Academy
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Ss John Fisher and Thomas More Roman Catholic High School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

14 Hawley Street
-
£35k
-
13 Hawley Street
-
£45k
-
7 Hawley Street
-
£50k
-
16 Hawley Street
-
£38k
-

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