# 103 FARM CRESCENT, RADCLIFFE, MANCHESTER, BURY, GREATER MANCHESTER, M26 4LU

## Property details

- Slug: `c6b491f` (address key hash: `c6b491f7627180db31cea361b51c78027b9f4440`)
- Postcode: M26 4LU
- Transactions on record: 2

- Tenure: Leasehold
- Property type: Semi-detached
- Floor area: 74 m²
- EPC rating: B
- Last sold: £250,000 Jan 2026
- Price per m²: £3,378/m²
- Local average: £215,095 (43 sales)
- Street crime: 1 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £250,000
- Date: 2026-01-23
- Type: S
- Tenure: L

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Expiry date:** 22/10/2027
- **Current heating cost:** £204/year
- **Est. upgrade cost to C:** £11,500

### Recommendations
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9950-3847-7704-9623-1325)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-23 | £250,000 | Semi-detached | +31.6% | £246,556 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c32-2273-591c-e063-4704a8c00c31) |
| Sold | 2017-11-29 | £189,995 | Semi-detached | — | £297,890 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/666758d7-060d-3363-e053-6b04a8c0d74e) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 103 FARM CRESCENT, RADCLIFFE, MANCHESTER, BURY, GREATER MANCHESTER, M26 4LU | £250,000 | 23/01/2026 | Semi-detached |
| 103 FARM CRESCENT, RADCLIFFE, MANCHESTER, BURY, GREATER MANCHESTER, M26 4LU | £189,995 | 29/11/2017 | Semi-detached |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 12 STANDRING AVENUE, BURY, GREATER MANCHESTER, BL8 2DT | £355,000 | 28/02/2025 | Semi-detached |
| 512 BOLTON ROAD, BURY, GREATER MANCHESTER, BL8 2DU | £245,000 | 26/09/2023 | Semi-detached |
| 63 FARM CRESCENT, RADCLIFFE, MANCHESTER, BURY, GREATER MANCHESTER, M26 4LU | £188,000 | 09/12/2022 | Semi-detached |
| 596 BOLTON ROAD, BURY, GREATER MANCHESTER, BL8 2DR | £359,995 | 27/10/2022 | Semi-detached |
| 101 FARM CRESCENT, RADCLIFFE, MANCHESTER, BURY, GREATER MANCHESTER, M26 4LU | £235,000 | 23/09/2022 | Semi-detached |
| 573 BOLTON ROAD, BURY, GREATER MANCHESTER, BL8 2DW | £358,000 | 19/05/2022 | Semi-detached |
| 5 TURTON CLOSE, BURY, GREATER MANCHESTER, BL8 2EE | £240,000 | 06/04/2022 | Semi-detached |
| 5 STANDRING AVENUE, BURY, GREATER MANCHESTER, BL8 2DT | £285,000 | 18/11/2021 | Semi-detached |
| 476 BOLTON ROAD, BURY, GREATER MANCHESTER, BL8 2DU | £220,000 | 22/07/2021 | Semi-detached |

**Area average:** £276,222 (9 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 23.8%
- **10y growth:** 60.9%

## House Price Index (HM Land Registry)

*Official index for Bury; Semi-detached series; as of March 2026.*

- **1y growth (index):** 2.6%
- **5y growth (index):** 25%
- **10y growth (index):** 78.7%

## Rental Range

*ONS Price Index of Private Rents (Bury). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £869/mo
- **Realistic:** £966/mo
- **Optimistic:** £1,063/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for West Pennine (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Semi-Detached House, Warwick Road, M26 | £1,200/mo | 2 | 0.62 miles | OpenRent |
| 3 Bed Semi-Detached House, Radcliffe, M26 | £1,325/mo | 3 | 0.69 miles | OpenRent |
| 3 Bed Semi-Detached House, Radcliffe, M26 | £1,325/mo | 3 | 0.69 miles | OpenRent |
| 2 Bed Terraced House, Ainsworth Road, M26 | £1,000/mo | 2 | 0.75 miles | OpenRent |
| 2 Bed Terraced House, Ainsworth Road, M26 | £900/mo | 2 | 0.8 miles | OpenRent |
| 2 Bed Terraced House, Ainsworth Road, M26 | £850/mo | 2 | 0.84 miles | OpenRent |
| 3 Bed Terraced House, Lowton St, M26 | £1,100/mo | 3 | 1.12 miles | OpenRent |

**Average rent: £1,100/mo (7 listings)**

## 1% Rule

- **Rent ratio:** 0.44% (weak for cashflow)
- **Max investor price (0.8%):** £137,500
- **Target investor price (1%):** £110,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,100/mo).*

- **Gross yield:** 5.3%
- **Cost-to-rent:** 18.9×
- **Monthly cashflow:** £-20/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -0.3%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 1 |
| **Total incidents** | **1** |

*Within 1 mile during Apr 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| St Stephen's Church of England Primary School | Primary | 0.4 miles | Requires improvement — 28 Sep 2022 |
| Greenhill Primary School | Primary | 0.5 miles | Good — 10 Nov 2014 |
| Excel and Exceed Centre | Other | 0.7 miles | Good — 13 Jan 2022 |
| St Andrew's Church of England Primary School, Radcliffe | Primary | 0.7 miles | Good — 11 Nov 2013 |
| Chantlers Primary School | Primary | 0.8 miles | Good — 10 Dec 2010 |