Chester · WF9 4AD · 2-bed
Holly Street, Hemsworth, Pontefract
© OpenStreetMap · click to open in maps
Asking price
£120,000
Verdict
Underpriced by £66,187 vs 2-bed homes nearby
What you could do with it
Estimated gross yields from current rental comps. Numbers are pre-cost — service, voids, mortgage, management still come off these.
Standard BTL
Best fit£745/mo
7.5% gross yield
Open-market tenant on a 12-month AST.
LHA / Section 8
£593/mo
5.9% gross yield
Council-paid tenant. Stable rent, longer tenancies, slight discount to market.
Council lease
£504/mo
5.0% gross yield
3–5 yr guaranteed-rent lease to a housing association. Hands-off.
Who is this for?
Quick read across the buyer personas. ✅ = good fit · ⚠ = workable with caveats · ❌ = look elsewhere.
Family home
2-bed but EPC unknown — factor retrofit cost or budget for it.
Standard BTL
7.5% gross — clears typical 5%+ break-even threshold.
Buy + rent later
Rents would more than cover BTL mortgage costs if life changes.
The numbers
England (SDLT) · 75% LTV mortgage at 5.5% over 25 years (capital repayment).
Stamp duty
First-time buyer
£0
Home mover
£0
2nd home / BTL
£6,000
Mortgage @ 75% LTV
- Loan
- £90,000
- Deposit
- £30,000
- Per month
- £553
Cash you'd need to walk in (deposit + investor SDLT, before legal/survey): £36,000
Should you pay this?
Asking price is roughly £66,187 below what 2-bed homes typically go for here.
You're paying £120,000. Comparable 2-bed homes in this area suggest a market price of around £186,187.
Contains HM Land Registry data © Crown copyright and database right.
What it'd rent for
£745/month7.45% gross yield
Based on 217 live rentals in Chester · 2-bed homes here average £1,090/mo.
Most landlords need 5%+ gross to break even after costs in this area, so this is a decent fallback if your plans shift.
Property features
- []
Loading nearby sold…
5-year price trend
Crime risk
Flood risk
Schools & Ofsted
Catchment area is the #1 driver of family-let demand and exit liquidity in the suburbs. Verify the local primary + secondary ratings before offering — an Outstanding catchment can add 5–10% to £/sqft; Inadequate is a permanent drag.
- All schools within 2 miles (DfE GIAS) — official register, last Ofsted, type
- Ofsted reports for WF9 4AD — full inspection reports + history
- Catchment visualiser (Locrating) — free-tier school-catchment map
Catchments aren't published nationally; many schools use distance-from-school as the deciding factor. The links above give you the official data; only the local authority can confirm a specific year's catchment boundary.
Area pulse
- 7,601 new listings here in the last month — good comparable supply.
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