43 Westbank Road, Manchester, M20 4SU

UPRN:77127908Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band AEPC: C (71)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£324,000

£308k - £340kHigh

Estimate

£324k

Range

£308k – £340k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

7.94%

Verdict

Derived from HomePortfolio scores

43 Westbank Road earns an INVESTIGATE rating with HP Score 56/100. Investment score 55/100 reflects moderate fundamentals. Walkability is limited (21/100). 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

56/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

No data

Walkability

21/ 100

Low

Transit & Bike

Transit 32Bike 22

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

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

Valuation edge0/15
claims [AVM +2.0% (HIGH), sold-comps -15.5%, £/sqft -15.5%] → 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 77127908· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.1%· as of 4 Nov 2026
Rental economics22.6/40
gross yield 7.9%; range width penalty ×0.96
- valuation_snapshotsrent estimate 2100/mo (range 2000-2250)· as of 12 Oct 2026· verify before relying on this
Stress margin3.5/30
stressed cash flow +74/mo, +4% 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 2 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 2 Nov 2026
Risk & liquidity14.7/15
533 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 £246,000

£238,000£365,000

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£317,500

At the asking price

Monthly rent£2,100/mo

Evidenced range £2,000-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £102,425
Net cash flow: £382/mo
Cash on cash: 4.5%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.96 - 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 77127908Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.1%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 2100/mo (range 2000-2250)Rental economics · as of 12 Oct 2026 · verify before relying on this
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

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 2100/mo (range 2000-2250)
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. Set your walk-away price before viewing - above £246,000 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£324,000

Rent Estimate (pcm)£2,100

Gross Yield7.94%

1y Growth-

3y Growth+2.6%

5y Growth+3.0%

10y Growth+4.8%

Last Sold Price£260,000 (2022-03-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M20 4SU

Approval Rate

-12mo

Development

low

PLA-2026-001973
Use of property as a house in multiple occupation (Use Class C4).
Pending
PLA-2026-002018
Erection of a single-storey extension to the front of the premises to form additional retail space.
Pending
PLA-2026-002040
Retention of front extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership50.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-03-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density-

Owner Occupied33%

Age Distribution

0-15 28%16-64 63%65+ 9%

View Area Profile

Schools Nearby

Ladybarn Primary School
0.1 mi
Good
Burnage Academy for Boys
0.3 mi
Outstanding
St Cuthbert's RC Primary School and Nursery, A Voluntary Academy
0.4 mi
Inspected as St Cuthbert's RC Primary School (URN 105553) on 10 Apr 2024
Mauldeth Road Primary School
0.4 mi
Good

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

View All Schools

Comparables

View All

15 Westbank Road
-
£310k
-
43 Westbank Road
-
£260k
-
31 Westbank Road
-
£213k
-
21 Westbank Road
-
£215k
-

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