3 bedroom cottage, High Street, Didsbury
Didsbury, M20 5NN
Added 21 Jul 2026
£510,000
Guide price
Bedrooms
3
Bathrooms
1
Size
1,128 sqft
Type
cottage
Match
97%
- TenureFreehold
- Council taxBand F
- EPCD
- ParkingOn Street
- GardenPrivate Rear Garden
About this home
Key features
- Cottage garden
- Country kitchen
- Exposed beams
- Feature stone walls
- Log burner
- Village setting
- On-street parking
- Private rear garden
- EPC rating D
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.
£3,380/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand F£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band F
- Year built
- 1805
- Heating
- Underfloor + Gas
- Parking
- On Street
- Garden
- Private Rear Garden
Energy performance
- A
- B
- C
- DScore 64
- E
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,128 sqft
≈ 105 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- 0.8 mi
High Street
Rail
- 1.9 mi
Bridge Road Station
Tram
- 2.9 mi
Kings Road
Overground
- 3.4 mi
Central
Tram
Commute highlights
Estimated travel times to major UK hubs
Manchester Piccadilly
3.9 mi away
Leeds
38.6 mi away
Birmingham New Street
66.8 mi away
Bristol Temple Meads
137 mi away
London Kings Cross
158.3 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.8 mi
Supermarket
Sainsbury's Local
- 🏋️1.0 mi
Gym
Fitness First
- 🌳0.8 mi
Park
Highfield Common
- 🩺0.8 mi
GP surgery
The Health Practice
- 🍽️0.3 mi
Restaurants
Riverside cafés
- ☕0.1 mi
Café
Kaffeine
Commute time
Estimate the journey from Didsbury, M20 5NN 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: Good
- VodafoneIndoor: GoodOutdoor: Good
- O2Indoor: GoodOutdoor: Limited
- ThreeIndoor: GoodOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Didsbury, M20 5NN.
Area average
£586,425
This home -13%
12m change
+0.4%
Sold prices
Avg £/sqft
£947
This home £452
Buyer demand
Steady
Running the numbers
Costs & finance
Running the numbers
Costs & finance
Monthly cost breakdown
Freehold · estimated running costs (all editable).
Total monthly cost
£3,564 /mo
£42,764 per year — indicative estimate.
- Mortgage£2,617/mo10% deposit · 4.75% · 25 yr73%
- Council tax (Band F)£271/moIndicative England average8%
- Buildings insurance£51/mo~0.12% of value / yr1%
- Maintenance & repairs£425/mo~1.00% of value / yr12%
- Utilities (energy + water)£200/moOfgem typical dual-fuel6%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£2,617
Loan £459,000 · Deposit £51,000 (10%)
£800/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £326,052
- Total paid
- £785,052
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
£15,500
Effective rate 3.04% on £510,000
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
£298,500
Loan up to £247,500 + £51,000 deposit · capped by income (4.5× LTI)
This listing
£510,000
Short by £211,500 · needs income ~£102,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £2,394 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £102,000/yr income or £211,500 more deposit.
Monthly all-in
£2,862 /mo
£2,394 mortgage + £468 running · 62% of gross pay
Upfront cash
£70,309
£51,000 deposit + £15,500 SDLT + £3,809 fees
Lender check
Too big
Need £459,000 · max on income £247,500
- Loan needed (£459,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£2,862) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£70,309) 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
2.94%
Net yield
-1.68%
Monthly cashflow
£-713
ROI on cash
-5.0%
Sensitivity
Rent −10%
£-811/mo · -1.91%
Rent +10%
£-614/mo · -1.45%
Rate +1%
£-1,032/mo · -2.43%
Rate −1%
£-394/mo · -0.93%
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)
83
/ 1k residents
Medium▲ 3.5% vs previous year
Broadband
686 Mbps
Up to 393 Mbps upload11 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Limited | Good | Good |
| O2 | Good | Good | Limited | Good |
| Three | Good | Good | Good | Limited |
| Vodafone | Good | Good | Good | Good |
Planning applications
6within 250 m in the last 12 months
- Withdrawn
Front porch and boundary wall
2026/8458/HH · 11 Jun 2026
- Withdrawn
Demolition of garage and new dwelling
2026/1324/HH · 18 May 2026
- Pending
Two-storey side extension
2026/5612/HH · 27 May 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
- F
- 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 5NN and comparable homes nearby.
Property history
Sept 2018
Sold
£297,000
Sold nearby
Avg £549,333
31 Willow Gardens
Terraced · 4 bed · 0.06 mi · Jul 2025
£549,000
161 Hazel Mews
Detached · 4 bed · 0.19 mi · May 2025
£452,000
143 Poplar Avenue
Detached · 4 bed · 0.25 mi · Feb 2025
£461,000
166 Chestnut Gardens
Flat · 4 bed · 0.37 mi · Apr 2025
£601,000
101 Cedar Mews
Semi-detached · 4 bed · 0.37 mi · Apr 2026
£637,000
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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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