Flat 9, Merchant Exchange, 2 Bridge Street, York, YO1 6LT

UPRN:10007239294Flat/MaisonetteBeds -Built 2003-2006

LeaseholdCouncil Tax: -EPC: C (72)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

Flat 9, Merchant Exchange, 2 Bridge Street, York, YO1 6LT

HP Score

/ 100

Mixed

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£479,000

£383k - £575kLow

Estimate

£479k

Range

£383k – £575k

Rent Estimate (pcm)

£2,650

£3k - £3k

Monthly

£2,650

Yield

6.63%

Verdict

Derived from HomePortfolio scores

Flat 9 earns an INVESTIGATE rating with HP Score 60/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

54/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 64Bike 79

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics12.7/40
gross yield 6.6%; range width penalty ×0.97
- valuation_snapshotsrent estimate 2650/mo (range 2500-2800)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -504/mo, -19% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 6 Nov 2026
Risk & liquidity9.2/15
112 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£479,500

At the asking price

Monthly rent£2,650/mo

Evidenced range £2,500-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £159,125
Net cash flow: £216/mo
Cash on cash: 1.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.64 - 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_snapshotsrent estimate 2650/mo (range 2500-2800)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2650/mo (range 2500-2800)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£479,000

Rent Estimate (pcm)£2,650

Gross Yield6.63%

1y Growth-

3y Growth-12.3%

5y Growth-3.6%

10y Growth-0.3%

Last Sold Price£349,950 (2004-04-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0YO1 6LT

Approval Rate

-12mo

Development

low

26/01963/LBC
Removal of a disused chimney plinth, associated roof repairs (including replacement rainwater goods), associated joinery repairs, and masonry repairs and repointing
Pending
26/01961/FUL
Alterations to rear fenestration of the property, 1no. rooflight to rear and replacement gate
Pending
26/01942/LBC
Change of use of commercial premises to shop and drinking establishment (Sui Generis), erection of new link between front and rear buildings, insertion of new internal lift, formation of new staircase, lowering of floor in portion of rear building.
Pending

View Planning Timeline