48 Pembroke Buildings, Cambrian Place, Swansea, SA1 1RL

UPRN:10010034571Flat/Maisonette1 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: D (55)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

48 Pembroke Buildings, Cambrian Place, Swansea, SA1 1RL

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£55,000

£52k - £58kHigh

Estimate

£55k

Range

£52k – £58k

Rent Estimate (pcm)

£300

£250 - £300

Monthly

£300

Yield

6.32%

Verdict

Derived from HomePortfolio scores

48 Pembroke Buildings earns an INVESTIGATE rating with HP Score 50/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is elevated. 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 addressONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

50/ 100

Mixed

Investment Score

62/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 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 -3.6% (HIGH)] → 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 13 Oct 2026
- valuation_snapshotsestimate for 10010034571· as of 13 Oct 2026
Rental economics9.1/40
gross yield 6.3%; range width penalty ×0.87
- valuation_snapshotsrent estimate 300/mo (range 250-300)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -270/mo, -90% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 5 Nov 2026
Risk & liquidity14.5/15
446 sales/12mo in area; valuation range width 11%
- 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

£43,000£65,500

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£57,000

At the asking price

Monthly rent£300/mo

Evidenced range £250-£300

Interest rate5.4%

Loan to value75%

Cash required: £18,400
Net cash flow: £15/mo
Cash on cash: 1.0%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - 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 10010034571Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 300/mo (range 250-300)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 300/mo (range 250-300)
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£55,000

Rent Estimate (pcm)£300

Gross Yield6.32%

1y Growth-

3y Growth+1.2%

5y Growth+1.5%

10y Growth+2.0%

Last Sold Price£51,000 (2018-06-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA1 1RL

Approval Rate

-12mo

Development

low

2026/1812/S73
Provision of roof extension and pergola to facilitate access to new roof terrace areas - Variation of Condition 01 of Planning Permission 2021/1943/FUL granted 15/12/2021 to allow an extenson of time in which to implement the permission.
Pending
2026/1774/DOC
Repair, refurbishment and retrofitting - Discharge condition 6 (details of front elevation doors) of Listed Building Consent 2025/1485/S99 granted 17th October 2025
Pending
2026/1765/DOC
Change of use and internal reconfiguration of ground floor of Exchange Building - Discharge of Condition 3 (Details of measures to protect floors, walls and historic finishes during works, repair and refinishing of parquet and terrazzo floors, repair of ceiling details in east private dining area, details of holes in the Exchange Hall floor and ducting on the basement ceiling serving the central bar, details of the refinishing/reuse of the former cupboard area/cupboard door, details of new vents in the window openings in the south elevation basement and vents in recovering of east concealed formal door, details of internal stud walls and wall linings) of Listed Building Consent 2025/2335/LBC granted 23rd September 2026
Pending

View Planning Timeline