Flat 29, Britannia Wharf, Monument Road, Woking, GU21 5FS

UPRN:10002428902Purpose Built Flat2 bedsBuilt 2020

LeaseholdCouncil Tax: Band DEPC: B (85)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Flat 29, Britannia Wharf, Monument Road, Woking, GU21 5FS

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£365,000

£347k - £383kHigh

Estimate

£365k

Range

£347k – £383k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

6.71%

Verdict

Derived from HomePortfolio scores

Flat 29 earns an INVESTIGATE rating with HP Score 82/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (77/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

72/ 100

High

Crime Score

14/ 100

Low

Walkability

77/ 100

High

Transit & Bike

Transit 12Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +6.8% (HIGH), sold-comps +8.1%, £/sqft +8.1%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10002428902· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.8%· as of 9 Nov 2026
Rental economics12.8/40
gross yield 6.7%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1900/mo (range 1800-2050)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -168/mo, -9% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 46 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 4 Nov 2026
Risk & liquidity14.7/15
569 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£255,000£391,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£340,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,800-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £110,300
Net cash flow: £168/mo
Cash on cash: 1.8%
Score at this price: 30

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.66 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 10002428902Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.8%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1900/mo (range 1800-2050)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1900/mo (range 1800-2050)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£365,000

Rent Estimate (pcm)£1,900

Gross Yield6.71%

1y Growth-6.9%

3y Growth-1.6%

5y Growth+0.5%

10y Growth+0.9%

Last Sold Price£370,000 (2021-10-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GU21 5FS

Approval Rate

-12mo

Development

low

TREE/2026/8247
T1: Oak - Crown and lateral reduction to lapsed pruning points by max of 3m. Crown thin by 10% (Works subject to TPO 0007/2012)
Pending
COND/2026/0115
Approval of details pursuant to conditions 05 (Water Use - As Built), 06 (Cycle parking), 08 (Parking) and 09 (Removal of rear outbuilding) of planning permission ref: PLAN/2023/0873 dated 18.04.2024 (Change of use from a Beauty/ Sports Therapy Clinic (Class E) to a dwelling (Class C3) including the erection of a two-storey front extension, first floor extension to create an additional storey, 1x front and 1x rear dormer in roof slope and 1x rooflight and external porch following demolition of outbuilding with associated landscaping).
Pending
TREE/2026/8287
Oak tree - Crown lift, thin cormic growth throughout, 30% height reduction, 3 metre side reduction.
Pending

View Planning Timeline

Ownership

Corporate Ownership63.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2021-10-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,172

Population Density-

Owner Occupied64%

Age Distribution

0-15 17%16-64 65%65+ 18%

View Area Profile

Schools Nearby

New Monument Primary Academy
0.5 mi
Good
Maybury Primary School
0.5 mi
Good
St Dunstan's Catholic Primary School, Woking
0.6 mi
Outstanding
The Park School
0.7 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

4 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Britannia Wharf Monument Road
-
£335k
-
Britannia Wharf Monument Road
-
£365k
-
Britannia Wharf Monument Road
-
£253k
-
Britannia Wharf Monument Road
-
£280k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN