3 bedroom cottage, Willow Bank, Didsbury
Didsbury, M20 8PL
Added 21 Jul 2026
£910,000
£1,020,000
Guide price
Bedrooms
3
Bathrooms
1
Size
1,409 sqft
Type
cottage
Match
77%
- TenureFreehold
- Council taxBand E
- EPCA
- ChainChain-free
- ParkingGarage
- GardenSouth Facing Garden
About this home
Key features
- Cottage garden
- Country kitchen
- Exposed beams
- Log burner
- Original fireplace
- Slate roof
- Garage parking
- South-facing garden
- Chain free
- EPC rating A
The Full Picture
Everything you need upfront
Facts a buyer or tenant should have before making an offer — in line with the Government's homebuying reform roadmap.
Monthly ownership cost
Edit any line, add fees you know about, and see the total update live.
£5,793/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand E£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band E
- Year built
- 1904
- Heating
- Electric
- Parking
- Garage
- Garden
- South Facing Garden
- Chain
- Chain-free
Energy performance
- AScore 98
- B
- C
- D
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,409 sqft
≈ 131 m²
Key highlights
Where it is
Location & Street View
Where it is
Location & Street View
Approximate location. Drag the Street View to look around; use the Pegman to walk down the road.
Neighbourhood
Area, schools & transport
Neighbourhood
Area, schools & transport
Nearby schools
Distance from this property · Ofsted-style ratings
Indicative catchments and ratings only — always confirm admissions with the local authority.
Transport nearby
Stations & stops- 0.9 mi
Riverside
Overground
- 1.1 mi
Bridge Road Station
Tube
- 1.4 mi
Junction Station
Tube
- 2 mi
High Street
Tube
Commute highlights
Estimated travel times to major UK hubs
Manchester Piccadilly
4.5 mi away
Leeds
38.8 mi away
Birmingham New Street
66.1 mi away
Bristol Temple Meads
136.4 mi away
London Kings Cross
157.6 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.8 mi
Supermarket
M&S Food
- 🏋️0.9 mi
Gym
Anytime Fitness
- 🌳0.9 mi
Park
The Meadows
- 🩺0.7 mi
GP surgery
The Health Practice
- 🍽️0.5 mi
Restaurants
Riverside cafés
- ☕0.1 mi
Café
The Roastery
Commute time
Estimate the journey from Didsbury, M20 8PL to your workplace or a place you visit often.
Broadband
Indicative Ofcom-style download speeds. Providers vary.
Mobile coverage
Voice & data indoor/outdoor by network.
- EEIndoor: GoodOutdoor: Limited
- VodafoneIndoor: LimitedOutdoor: Good
- O2Indoor: GoodOutdoor: Good
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Didsbury, M20 8PL.
Area average
£838,376
This home +9%
12m change
+3.3%
Sold prices
Avg £/sqft
£512
This home £646
Buyer demand
High
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£5,947 /mo
£71,369 per year — indicative estimate.
- Mortgage£4,669/mo10% deposit · 4.75% · 25 yr79%
- Council tax (Band E)£229/moIndicative England average4%
- Buildings insurance£91/mo~0.12% of value / yr2%
- Maintenance & repairs£758/mo~1.00% of value / yr13%
- Utilities (energy + water)£200/moOfgem typical dual-fuel3%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£4,669
Loan £819,000 · Deposit £91,000 (10%)
£1,427/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £581,778
- Total paid
- £1,400,778
Figures are indicative — your actual rate depends on lender, credit, and product. Speak to a broker before you commit.
Sign in to save this calculation and revisit it from your shortlist or compare list.
Stamp Duty
Eng & NI · Apr 2025SDLT payable on completion.
Estimated Stamp Duty
£35,500
Effective rate 3.90% on £910,000
Scotland (LBTT) and Wales (LTT) have different rates. Confirm with a solicitor before completion.
Mortgage affordability
Can you afford it?Enter your income and deposit — we'll size up the biggest home a lender is likely to fund.
Max you could offer
£338,500
Loan up to £247,500 + £91,000 deposit · capped by income (4.5× LTI)
This listing
£910,000
Short by £571,500 · needs income ~£182,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £4,272 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £182,000/yr income or £571,500 more deposit.
Monthly all-in
£5,106 /mo
£4,272 mortgage + £834 running · 111% of gross pay
Upfront cash
£130,909
£91,000 deposit + £35,500 SDLT + £4,409 fees
Lender check
Too big
Need £819,000 · max on income £247,500
- Loan needed (£819,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£5,106) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£130,909) leaves little for reserves — plan for surveys, SDLT and fees
UK lenders typically cap borrowing at 4.5× total income and want repayments under ~35–40% of gross pay. Actual offers depend on credit, outgoings, and product — always get an Agreement in Principle.
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Investment potential
Would this stack up as a buy-to-let?
Open ▾
Investment potential
Would this stack up as a buy-to-let?
Investment inputs
AssumptionsAt a glance
Gross yield
1.65%
Net yield
-2.67%
Monthly cashflow
£-2,025
ROI on cash
-7.8%
Sensitivity
Rent −10%
£-2,124/mo · -2.80%
Rent +10%
£-1,927/mo · -2.54%
Rate +1%
£-2,594/mo · -3.42%
Rate −1%
£-1,457/mo · -1.92%
Indicative only — mortgage products, tax treatment and Section 24 relief for higher-rate landlords depend on your personal circumstances. Speak to a broker and an accountant before buying.
Want a fuller model? Open the full calculator →
Due diligence
Checks, risks & material information
Due diligence
Checks, risks & material information
Check before you buy
Material information for this address — flooding, crime, connectivity, planning, ground conditions and legal notes. Indicative only; verify with your solicitor before exchange.
Flood risk
Crime (last 12 months)
31
/ 1k residents
Low▼ 1.7% vs previous year
Broadband
969 Mbps
Up to 658 Mbps upload10 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Limited | Limited | Limited |
| O2 | Limited | Good | Good | Good |
| Three | Good | None | Good | Good |
| Vodafone | Good | Limited | Good | Good |
Planning applications
4within 250 m in the last 12 months
- Approved
Front porch and boundary wall
2026/4513/HH · 11 Jul 2026
- Withdrawn
Single-storey rear extension
2026/7904/HH · 20 May 2026
- Approved
Single-storey rear extension
2026/1874/HH · 30 Jun 2026
Ground & environment
Building & legal
Sources (to be integrated): Environment Agency, police.uk, Ofcom, planning.data.gov.uk, GOV.UK EPC register, Coal Authority, UK Radon.
Material information
NTSELAT Parts A/B/C- Tenure
- freehold
- Council tax band
- E
- Price qualifier
- Guide price
Presented in line with National Trading Standards Estate & Letting Agency Team guidance.
Add value
Extension potential
Add value
Extension potential
Calculating extension options for this home…
Sold prices
Based on public sale records for Didsbury, M20 8PL and comparable homes nearby.
Property history
Mar 2023
Sold
£760,000
Sold nearby
Avg £931,000
169 Maple Close
Semi-detached · 3 bed · 0.12 mi · Oct 2024
£1,129,000
64 Hazel Lane
Terraced · 4 bed · 0.23 mi · Jul 2025
£742,000
161 Cedar Avenue
Semi-detached · 3 bed · 0.28 mi · Oct 2024
£1,135,000
107 Willow Close
Flat · 3 bed · 0.43 mi · Oct 2024
£845,000
89 Poplar Mews
Semi-detached · 4 bed · 0.49 mi · Dec 2024
£765,000
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Contains HM Land Registry data © Crown copyright and database right 2026. Licensed under the Open Government Licence v3.0.
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