4 bedroom cottage, Church Lane, Liverpool
Liverpool, L2 9NN
Added 21 Jul 2026
£550,000
Guide price
Bedrooms
4
Bathrooms
1
Size
1,566 sqft
Type
cottage
Match
74%
- TenureFreehold
- Council taxBand C
- EPCE
- ParkingOn Street
- GardenCourtyard
About this home
Key features
- Character throughout
- Cottage garden
- Feature stone walls
- Oil central heating
- Slate roof
- Village setting
- On-street parking
- Courtyard
- EPC rating E
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.
£3,528/ month
Mortgage
Est.90% LTV · 4.75% · 25 yrs£Council tax
KnownBand C£Buildings insurance
Est.Typical estimate£Maintenance & repairs
Est.~1% of value / yr£
Property facts
- Tenure
- Freehold
- Council tax
- Band C
- Year built
- 2024
- Heating
- Electric
- Parking
- On Street
- Garden
- Courtyard
Energy performance
- A
- B
- C
- D
- EScore 46
- F
- G
The higher the rating, the more energy efficient the property and the lower the fuel bills.
Floorplan & rooms
InteractiveTotal size
1,566 sqft
≈ 145 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- 0.5 mi
High Street Station
Overground
- 1.1 mi
Junction
Rail
- 1.2 mi
Kings Road Station
Rail
- 2.9 mi
Central
Rail
Commute highlights
Estimated travel times to major UK hubs
Manchester Piccadilly
32.6 mi away
Leeds
65.9 mi away
Birmingham New Street
78.8 mi away
Bristol Temple Meads
136 mi away
Edinburgh Waverley
176.5 mi away
Estimates based on straight-line distance. Actual times vary with traffic, changes and service.
Nearby amenities
- 🛒0.4 mi
Supermarket
Sainsbury's Local
- 🏋️0.9 mi
Gym
Anytime Fitness
- 🌳0.5 mi
Park
Riverside Gardens
- 🩺1.0 mi
GP surgery
St Andrew's Medical
- 🍽️0.5 mi
Restaurants
Village square
- ☕0.7 mi
Café
Grind & Co.
Commute time
Estimate the journey from Liverpool, L2 9NN 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: LimitedOutdoor: Good
- ThreeIndoor: LimitedOutdoor: Good
Local market
Market insights
Local market
Market insights
Local market
How this home compares in Liverpool, L2 9NN.
Area average
£556,037
This home -1%
12m change
+4.5%
Sold prices
Avg £/sqft
£608
This home £351
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
£3,702 /mo
£44,421 per year — indicative estimate.
- Mortgage£2,822/mo10% deposit · 4.75% · 25 yr76%
- Council tax (Band C)£167/moIndicative England average5%
- Buildings insurance£55/mo~0.12% of value / yr1%
- Maintenance & repairs£458/mo~1.00% of value / yr12%
- Utilities (energy + water)£200/moOfgem typical dual-fuel5%
Mortgage calculator
EstimateRepayment mortgage — you pay off capital and interest.
Monthly repayment
£2,822
Loan £495,000 · Deposit £55,000 (10%)
£863/mo more than interest-only — but you'd own the home outright after 25 years.
- Total interest
- £351,624
- Total paid
- £846,624
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
£17,500
Effective rate 3.18% on £550,000
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
£302,500
Loan up to £247,500 + £55,000 deposit · capped by income (4.5× LTI)
This listing
£550,000
Short by £247,500 · needs income ~£110,000/yr
- Affordable monthly repayment
- £1,604 /mo
- Required repayment for this home
- £2,582 /mo
- Max loan on 4.5× income
- £247,500
- Deposit as % of listing
- 10.0%
Affordability summary
StretchYou'd need about £110,000/yr income or £247,500 more deposit.
Monthly all-in
£3,086 /mo
£2,582 mortgage + £504 running · 67% of gross pay
Upfront cash
£76,369
£55,000 deposit + £17,500 SDLT + £3,869 fees
Lender check
Too big
Need £495,000 · max on income £247,500
- Loan needed (£495,000) exceeds the 4.5× income cap of £247,500
- Monthly all-in (£3,086) breaches your 35% repayment cap of £1,604
- Upfront cash needed (£76,369) 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.
Sign in to save this calculation and revisit it from your shortlist or compare list.
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
2.73%
Net yield
-1.84%
Monthly cashflow
£-844
ROI on cash
-5.5%
Sensitivity
Rent −10%
£-943/mo · -2.06%
Rent +10%
£-746/mo · -1.63%
Rate +1%
£-1,188/mo · -2.59%
Rate −1%
£-500/mo · -1.09%
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)
93
/ 1k residents
Medium▲ 7.1% vs previous year
Broadband
506 Mbps
Up to 358 Mbps upload5 providers available at this address.
Mobile coverage
| Network | Indoor voice | Indoor data | Outdoor voice | Outdoor data |
|---|---|---|---|---|
| EE | Good | Good | Good | Limited |
| O2 | Good | Good | Good | Limited |
| Three | Good | Good | Good | Good |
| Vodafone | None | Good | Limited | Good |
Planning applications
1within 250 m in the last 12 months
- Withdrawn
Front porch and boundary wall
2026/8857/HH · 4 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
- C
- 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 Liverpool, L2 9NN and comparable homes nearby.
Property history
Apr 2022
Sold
£480,000
Sold nearby
Avg £534,000
123 Linden Mews
Detached · 3 bed · 0.15 mi · Oct 2024
£466,000
116 Ivy Lane
Semi-detached · 5 bed · 0.43 mi · Jul 2025
£552,000
92 Maple Terrace
Terraced · 3 bed · 0.55 mi · Dec 2025
£417,000
37 Oak Street
Detached · 4 bed · 0.55 mi · Sept 2025
£587,000
142 Linden Gardens
Semi-detached · 4 bed · 0.57 mi · Jun 2026
£512,000
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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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