Finch Cottage, Finch Lane, Amersham, HP7 9DS

UPRN:100081078518-Beds -Built 1983-1990

Tenure: -Council Tax: -EPC: D (63)

Data freshness:Listing· freshPlanning· 3mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Finch Cottage, Finch Lane, Amersham, HP7 9DS

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£818,000

£654k - £981kLow

Estimate

£818k

Range

£654k – £981k

Rent Estimate (pcm)

£2,350

£2k - £3k

Monthly

£2,350

Yield

1.88%

Verdict

Derived from HomePortfolio scores

Finch Cottage earns an INVESTIGATE rating with HP Score 61/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (4/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

4/ 100

Low

Transit & Bike

Transit 5Bike 20

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 economics0/40
gross yield 1.9%; range width penalty ×0.65
- valuation_snapshotsrent estimate 2350/mo (range 2050-2700)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -4,731/mo, -201% 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 3 Nov 2026
Risk & liquidity9.2/15
86 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£1,500,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,050-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £545,050
Net cash flow: -£3,436/mo
Cash on cash: -7.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.46 - below 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 2350/mo (range 2050-2700)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 2350/mo (range 2050-2700)

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£818,000

Rent Estimate (pcm)£2,350

Gross Yield1.88%

1y Growth-

3y Growth-0.2%

5y Growth+1.9%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HP7 9DS

Approval Rate

-12mo

Development

low

PL/26/06995/FA
Two storey front extension. Part two storey, part single storey rear extension. First floor side extension. Part garage conversion and loft conversion. Changes to fenestration
Pending
PL/26/06495/FA
Single storey rear and side extension, conversion of roof to habitable space with front and rear dormers and rooflights. Changes to fenestration
Pending
PL/26/05539/CONDA
Application for approval of details subject to condition 9 (Construction Traffic Management Plan) of planning approval PL/24/3161/FA
Conditions

View Planning Timeline

Ownership

Corporate Ownership58.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,937

Population Density-

Owner Occupied73%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

Amersham School
0.6 mi
Report card2025
Ofsted no longer awards a single overall grade.
Stony Dean School
0.7 mi
-
St George's Church of England Infant School
0.9 mi
Good
Dr Challoner's High School
0.9 mi
Outstanding

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

View All Schools

Comparables

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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