# 3 bedroom semi-detached house for sale (CH64 7TL)

## Property Details

| Key | Value |
|-----|-------|
| Address | 1, WESTWOOD COTTAGES, NESTON ROAD, NESTON, MERSEYSIDE CH64 7TL |
| Price | £250,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 90 m² |
| Last sold | £230,000 Oct 2018 |

## EPC Rating & Upgrade Cost

- **Current rating:** F
- **Potential rating:** C
- **Expiry date:** 13/06/2028
- **Current heating cost:** £1,079/year

### Recommendations
- Q (14,000)
- W2 (6,000)
- E (45)
- F (400)
- G (450)
- I (3,000)
- N (6,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0595-2824-6361-9498-6321)

## Description

If you're looking for character...Then look no further!! This is a beautiful semi-detached character residence situated in one of Wirral's most sought after locations. A rural delight, certainly not one to be overlooked.

The property comprises a spacious and inviting entrance hallway leading through to the lounge, utility/pantry, kitchen and downstairs bathroom. Upstairs there are three generous double bedrooms. With copious amounts of character and charm, this sandstone cottage must to be viewed to fully appreciate what it has to offer.

## Property Photos

- ![Picture No. 19](/listings/photos/54867210/1228053) - Picture No. 19
- ![Picture No. 09](/listings/photos/54867210/1228054) - Picture No. 09
- ![Picture No. 13](/listings/photos/54867210/1228055) - Picture No. 13
- ![Picture No. 12](/listings/photos/54867210/1228056) - Picture No. 12
- ![Picture No. 14](/listings/photos/54867210/1228057) - Picture No. 14
- ![Picture No. 01](/listings/photos/54867210/1228058) - Picture No. 01
- ![Picture No. 15](/listings/photos/54867210/1228059) - Picture No. 15
- ![Picture No. 02](/listings/photos/54867210/1228060) - Picture No. 02
- ![Picture No. 10](/listings/photos/54867210/1228061) - Picture No. 10
- ![Picture No. 08](/listings/photos/54867210/1228062) - Picture No. 08
- ![Picture No. 04](/listings/photos/54867210/1228063) - Picture No. 04
- ![Picture No. 05](/listings/photos/54867210/1228064) - Picture No. 05
- ![Picture No. 11](/listings/photos/54867210/1228065) - Picture No. 11
- ![Picture No. 07](/listings/photos/54867210/1228066) - Picture No. 07

## Floorplans

- ![Floorplan](/listings/photos/54867210/1228067) - Floorplan
- ![Floorplan](/listings/photos/54867210/1228068) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/54867210/1228069) - EPC Rating Graph

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #13441061
- **Address:** 1 Westwood Cottages, Neston Road, CH64 7TL
- **Certificate Issued:** 18/03/2019
- **Work Completed:** 14/02/2019
- **Items:** 1 window(s), 1 door(s)

### FENSA Certificate #13681454
- **Address:** 1 Westwood Cottages, Neston Road, CH64 7TL
- **Certificate Issued:** 29/07/2019
- **Work Completed:** 25/07/2019
- **Items:** 6 window(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| WESTWOOD COTTAGES 1 NESTON ROAD, NESTON, WIRRAL, MERSEYSIDE, CH64 7TL | £230,000 | 26/10/2018 | Semi-detached |

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £304,576 (33 Semi-detached, CH64, 2024–2026)
- **Deviation:** -17.9%

## Rental Range

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

- **Low:** £754/mo
- **Realistic:** £838/mo
- **Optimistic:** £922/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 Penthouse, Chester High Road, CH64 | £1,195/mo | 3 | 0.62 miles | OpenRent |

**Average rent: £1,195/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.48% (weak for cashflow)
- **Max investor price (0.8%):** £149,375
- **Target investor price (1%):** £119,500

*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 £1,195/mo).*

- **Gross yield:** 5.7%
- **Cost-to-rent:** 17.4×
- **Monthly cashflow:** £66/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.1%

*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:** £2,778/m²

## Capital growth trend

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

- **5y growth:** -2.3%
- **10y growth:** 18.6%

## House Price Index (HM Land Registry)

*Official index for Wirral; Semi-detached series; as of April 2026.*

- **1y growth (index):** 7.1%
- **5y growth (index):** 24.2%
- **10y growth (index):** 59.2%

## 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)