61 Whitefriars Wharf, Tonbridge, TN9 1QR

UPRN:10002915664Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band CEPC: B (82)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

61 Whitefriars Wharf, Tonbridge, TN9 1QR

HP Score

/ 100

Strong

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£307,000

£292k - £322kHigh

Estimate

£307k

Range

£292k – £322k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

6.00%

Verdict

Derived from HomePortfolio scores

61 Whitefriars Wharf earns an INVESTIGATE rating with HP Score 75/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (85/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

74/ 100

High

Crime Score

51/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 19Bike 67

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM +2.3% (HIGH), sold-comps -20.5%, £/sqft -20.4%] → measured edge +0.00pp 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 9 Oct 2026
- valuation_snapshotsestimate for 10002915664· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.9%· as of 24 Oct 2026
Rental economics6.9/40
gross yield 6.0%; range width penalty ×0.87
- valuation_snapshotsrent estimate 1500/mo (range 1400-1650)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -293/mo, -20% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 252 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 6 Nov 2026
Risk & liquidity14.7/15
244 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

£225,000£345,000

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£300,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,400-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: £26/mo
Cash on cash: 0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 10002915664Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 5.9%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 1500/mo (range 1400-1650)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1500/mo (range 1400-1650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 252 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£307,000

Rent Estimate (pcm)£1,500

Gross Yield6.00%

1y Growth-12.5%

3y Growth+1.4%

5y Growth-0.0%

10y Growth+2.3%

Last Sold Price£316,000 (2022-09-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN9 1QR

Approval Rate

-12mo

Development

low

26/02062/TNCA
T1 (Applicant ref) Gleditsia Tricanthos- Prune to reduce crown by approx 1 overall, back to vicinity of previous pruning points. H1 (Applicants ref) Leylandii- Trim to and sides to shape and tidy to maintain size. H2 (Applicants ref) Castlewellan- Trim top and all sides to tidy. G1(Applicants ref) Group of Cherry, Beech and Tulip- Prune to reduce trees by approx 1.5m back to vicinity of previous cuts to maintain size for position. T2 (Applicants ref) Magnolia- Selectively prune over extended sections back to drop crotch and maintain size.
Pending
26/02037/PDVGR
Prior notification: Schedule 2, Part 3, Class G: Change of use from a use within Class E (commercial, business and service) to Conversion of first floor to create two flats
Pending
26/02020/PDVMA
Prior Notification under schedule 2, Part 3, Class MA: Change of use from class E (office) to C3 (Dwelling) to form 1x dwelling and ancillary gym and home office
Pending

View Planning Timeline

Ownership

Corporate Ownership58.4%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-09-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density4,475 /km²

Owner Occupied38%

Age Distribution

0-15 20%16-64 69%65+ 11%

View Area Profile

Schools Nearby

Slade Primary School and Attached Unit for Children with Hearing Impairment
0.3 mi
Good
Tonbridge School
0.3 mi
Inspected by ISI
Royal Rise Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hillview School for Girls
0.6 mi
Good

4 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

60 Whitefriars Wharf
-
£223k
-
94 Whitefriars Wharf
-
£255k
-
51 Whitefriars Wharf
-
£240k
-
86 Whitefriars Wharf
-
£275k
-

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