Data freshness:●Planning· 3mo agoPlanning: stale, refreshed 3mo ago (2026-07-31T06:33:22.880836+00:00)●Ownership· freshOwnership: fresh, refreshed yesterday (2026-11-10T14:50:43.435358+00:00)●EPC· 6mo agoEPC: stale, refreshed 6mo ago (2026-05-20T10:58:39.129138+00:00)●Risk· 5mo agoRisk: stale, refreshed 5mo ago (2026-06-18T00:00:00+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T05:00:30.533230+00:00)●Amenities· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
79
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£1,372,000
£1.30M - £1.44MHigh
Estimate
£1.37M
Range
£1.30M – £1.44M
Rent Estimate (pcm)
£4,550
£4k - £5k
Monthly
£4,550
Yield
5.46%
Verdict
Derived from HomePortfolio scores
75 Oatlands Drive earns an INVESTIGATE rating with HP Score 79/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (65/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.
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
Opportunity
Why this could be an opportunity
20
Low confidence1 independent sourceLead to verifyListing checked 11 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: the estimate sits 27% above the ask. It ranks after every home whose inputs are verified.
Valuation edge2.5/15
claims [sold-comps +21.6%, £/sqft +21.6%] → 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; AVM excluded (Market estimate older than 120 days; not used (snapshot 2026-03-26, 229 days old))
Market estimate older than 120 days; not used · snapshot 26 Mar 2026
valuation_snapshotsestimate for 100061346354 - Market estimate older than 120 days; not used· as of 26 Mar 2026· not used in the score
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.2%· as of 9 Nov 2026
Rental economics2.6/40
gross yield 5.5%; range width penalty ×0.72; rent estimate from a snapshot 229 days old (older than 120 days); the estimate this rent rides on sits 27% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 4550/mo (range 4000-5100)· as of 26 Mar 2026· rent estimate is stale; verify
valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this home· as of 26 Mar 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,004/mo, -22% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 118 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 11 Nov 2026
Risk & liquidity14.6/15
276 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
£750,000£1,150,000
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
£1,000,000
At the asking price
£4,550/mo
Evidenced range £4,000-£5,100
5.4%
75%
Cash required
£345,050
Net cash flow
-£225/mo
Cash on cash
-0.8%
Score at this price
20
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.35 - 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 100061346354 - Market estimate older than 120 days; not usedValuation edge · as of 26 Mar 2026 · not used in the score
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.2%Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 4550/mo (range 4000-5100)Rental economics · as of 26 Mar 2026 · rent estimate is stale; verify
valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 26 Mar 2026 · verify before relying on this
underwriting_assumptions
Risks
What could kill this deal
Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge rests on a stale estimate
estimate for 100061346354 - Market estimate older than 120 days; not used
Rental economics rests on a stale estimate
rent estimate 4550/mo (range 4000-5100)
Plan
Before you offer
1. Get two written rental appraisals from local lettings agents.
The rent estimate is stale: its market snapshot is past the age gate, so verify it before relying on the yield.
2. Get a current valuation before relying on the discount - the market estimate on file has expired.
Market estimate older than 120 days; not used (snapshot 2026-03-26, 229 days old)
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.
costs not disclosed by the advert
Stress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 2026