# 3 bedroom terraced house for sale (CH42 0HW) ## Property Details | Key | Value | |-----|-------| | Address | 108 RAFFLES ROAD, BIRKENHEAD, MERSEYSIDE CH42 0HW | | Price | £130,000 | | Bedrooms | 3 | | Bathrooms | 1 | | Council tax | A | | Construction age | England and Wales: 1900-1929 | | Floor area | 90 m² | | Last sold | £110,000 Apr 2024 | ## EPC Rating & Upgrade Cost - **Current rating:** C - **Potential rating:** B - **Expiry date:** 16/11/2033 - **Current heating cost:** £1,345/year - **Est. upgrade cost to C:** £19,500 ### Recommendations - Q (£4,000 - £14,000) - W1 (£800 - £1,200) - N (£4,000 - £6,000) - U (£3,500 - £5,500) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2024-3814-2311-4042-3881) ## Description **SUMMARY** Between the stars and through the clouds and over the fields we roam, but no matter where we drift... There is really no place like home!! And this three-bedroom home could be the one you have been waiting for?! Call us today to secure a viewing! **DESCRIPTION** Wow! This is a most impressive three-bedroom mid terraced residence set in a sought-after location. Boasting a well-appointed and flexible living accommodation throughout, there is a lounge, a dining room, a fitted kitchen, and a welcoming entrance hall. On the first floor there are three bedrooms, all of which are of good size, and a family bathroom, all tastefully decorated. Externally is a beautiful rear yard which is great for entertaining. This property is a must see and an early inspection is strongly recommended. Home is where the heart is and this will most certainly grab your heart. **Entrance Hall**  Double-glazed composite door to the front and radiator. **Lounge** 13' 9" x 11' 8" ( 4.19m x 3.56m ) Double-glazed window to the front, radiator and gas fire. **Dining Room** 12' 8" x 10' 4" ( 3.86m x 3.15m ) Double-glazed patio doors to the rear. **Kitchen** 9' 8" x 7' 3" ( 2.95m x 2.21m ) Fitted kitchen comprising wall and base cupboards, sink and drainer unit and work surfaces. Electric oven and gas hob, dish washer and plumbing for a washing machine. Double-glazed window to the rear. **First Floor Landing**  With access to the loft via loft ladders. **Bedroom One** 10' 1" x 14' 4" ( 3.07m x 4.37m ) Double-glazed bay window to the front and radiator. **Bedroom Two** 10' 1" x 12' 8" ( 3.07m x 3.86m ) Double-glazed window to the rear and central heating boiler. **Bedroom Three** 8' 7" x 6' 8" ( 2.62m x 2.03m ) **Bathroom**  Partially tiled bathroom comprising bath with mixer taps and shower over, wash hand basin and WC. Radiator, medicine cabinet and double-glazed window to the rear. **Outside**  With yard to the rear. 1. MONEY LAUNDERING REGULATIONS: Intending purchasers will be asked to produce identification documentation at a later stage and we would ask for your co-operation in order that there will be no delay in agreeing the sale. 2. General: While we endeavour to make our sales particulars fair, accurate and reliable, they are only a general guide to the property and, accordingly, if there is any point which is of particular importance to you, please contact the office and we will be pleased to check the position for you, especially if you are contemplating travelling some distance to view the property. 3. The measurements indicated are supplied for guidance only and as such must be considered incorrect. 4. Services: Please note we have not tested the services or any of the equipment or appliances in this property, accordingly we strongly advise prospective buyers to commission their own survey or service reports before finalising their offer to purchase. 5. THESE PARTICULARS ARE ISSUED IN GOOD FAITH BUT DO NOT CONSTITUTE REPRESENTATIONS OF FACT OR FORM PART OF ANY OFFER OR CONTRACT. THE MATTERS REFERRED TO IN THESE PARTICULARS SHOULD BE INDEPENDENTLY VERIFIED BY PROSPECTIVE BUYERS OR TENANTS. NEITHER SEQUENCE (UK) LIMITED NOR ANY OF ITS EMPLOYEES OR AGENTS HAS ANY AUTHORITY TO MAKE OR GIVE ANY REPRESENTATION OR WARRANTY WHATEVER IN RELATION TO THIS PROPERTY. ## Property Photos - ![Photo](/listings/photos/174333212/869590) - ![Photo](/listings/photos/174333212/869595) - ![Photo](/listings/photos/174333212/869608) - ![Photo](/listings/photos/174333212/869611) - ![Photo](/listings/photos/174333212/869614) - ![Photo](/listings/photos/174333212/869617) - ![Photo](/listings/photos/174333212/869618) - ![Photo](/listings/photos/174333212/869621) - ![Photo](/listings/photos/174333212/869623) - ![Photo](/listings/photos/174333212/869628) - ![Photo](/listings/photos/174333212/869630) - ![Photo](/listings/photos/174333212/869632) - ![Photo](/listings/photos/174333212/869634) - ![Photo](/listings/photos/174333212/869638) - ![Photo](/listings/photos/174333212/869640) - ![Photo](/listings/photos/174333212/869642) - ![Photo](/listings/photos/174333212/869645) - ![Photo](/listings/photos/174333212/869647) - ![Photo](/listings/photos/174333212/869649) - ![Photo](/listings/photos/174333212/869652) ## Floorplans - ![Floorplan 1](/listings/photos/174333212/869656) - Floorplan 1 ## EPC Graphs - ![EPC](/listings/photos/174333212/869659) - EPC ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 108 RAFFLES ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HW | £110,000 | 26/04/2024 | Terraced | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | 10 SYCAMORE ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0JH | £87,500 | 22/12/2025 | Terraced | | 13 RAWCLIFFE ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HP | £85,000 | 27/11/2025 | Terraced | | 4 WHALLEY ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HL | £75,000 | 21/06/2024 | Terraced | | [Same street] 94 RAFFLES ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HW | £115,000 | 10/03/2023 | Terraced | | 11 CHARLCOMBE STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HY | £73,500 | 30/09/2022 | Terraced | | 8 SYCAMORE ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0JH | £85,000 | 16/09/2022 | Terraced | | 14 SYCAMORE ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0JH | £118,945 | 14/09/2022 | Terraced | | 17 CHARLECOMBE STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HY | £92,000 | 14/07/2022 | Terraced | | 88 WILLMER ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0JF | £81,000 | 20/06/2022 | Terraced | | 5 WHALLEY ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HL | £74,500 | 17/06/2022 | Terraced | | 11 WHALLEY ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HL | £70,000 | 24/05/2022 | Terraced | | 14 LAUREL ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0JA | £258,000 | 30/03/2022 | Terraced | | 9 WHALLEY ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HL | £85,000 | 11/03/2022 | Terraced | | 74 WILLMER ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0JF | £90,000 | 17/12/2021 | Terraced | | 21 CHARLCOMBE STREET, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HY | £112,000 | 03/12/2021 | Terraced | | 77 WILLMER ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0JD | £60,000 | 05/11/2021 | Terraced | | 13 TATTON ROAD, BIRKENHEAD, WIRRAL, MERSEYSIDE, CH42 0HR | £60,000 | 25/10/2021 | Terraced | **Street average:** £115,000 (1 sale) **Area average:** £94,215 (16 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £115,647 (58 Terraced, CH42, 2024–2026) - **Deviation:** +12.4% ## Rental Range *ONS Price Index of Private Rents (Wirral). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £761/mo - **Realistic:** £845/mo - **Optimistic:** £930/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Wirral (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £648/mo ## Rental Comparables *Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.* | Title | Rent | Beds | Distance | As seen on | |------|------|------|------|------| | 3 Bed End Terrace, Oakdene Road, CH42 | £900/mo | 3 | 0.55 miles | OpenRent | | 3 Bed Terraced House, Ionic St, CH42 | £875/mo | 3 | 1.09 miles | OpenRent | **Average rent: £888/mo (2 listings)** ## 1% Rule - **Rent ratio:** 0.68% (weak for cashflow) - **Max investor price (0.8%):** £111,000 - **Target investor price (1%):** £88,800 *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 £888/mo).* - **Gross yield:** 8.2% - **Cost-to-rent:** 12.2× - **Monthly cashflow:** £262/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** 8.3% *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).* ## Price per Square Metre - **£/m²:** £1,444/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 18.7% - **10y growth:** 41.8% ## House Price Index (HM Land Registry) *Official index for Wirral; Terraced series; as of April 2026.* - **1y growth (index):** 7.1% - **5y growth (index):** 24.4% - **10y growth (index):** 60.4% ## Flood risk - **Zone:** 1 - **Risk:** Low - **Source:** Job (default Low) [Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)