Data freshness:●Listing· freshListing: fresh, refreshed 4d ago (2026-11-09T04:00:05.188743+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:31:42.723942+00:00)●Ownership· freshOwnership: fresh, refreshed 3d ago (2026-11-10T16:58:56.927346+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)●Crime· freshCrime: fresh, refreshed 2d ago (2026-11-11T13:01:03.839912+00:00)●Connectivity· 1mo agoConnectivity: ageing, refreshed 1mo ago (2026-10-03T06:43:10.905825+00:00)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+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●Council Tax· 1mo agoCouncil Tax: ageing, refreshed 1mo ago (2026-10-11T13:33:49.523304+00:00)
HP Score
72
/ 100
Mixed
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
20 of 21 sources
Sale Estimate
£174,000
£156k - £191kMedium
Estimate
£174k
Range
£156k – £191k
Rent Estimate (pcm)
£750
£700 - £800
Monthly
£750
Yield
6.21%
Verdict
Derived from HomePortfolio scores
Flat 6 earns an INVESTIGATE rating with HP Score 72/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (93/100). 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.
Low confidence0 independent sourcesLead to verifyListing checked 9 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 17% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.
Valuation edge0/15
claims [AVM +16.7% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 11 Nov 2026
valuation_snapshotsestimate for 10013442030· as of 11 Nov 2026
Rental economics9/40
gross yield 6.2%; range width penalty ×0.93; the estimate this rent rides on sits 17% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 750/mo (range 700-800)· as of 11 Nov 2026· verify before relying on this
valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this home· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -190/mo, -25% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 45 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 9 Nov 2026
Risk & liquidity12.8/15
140 sales/12mo in area; valuation range width 20%
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
£109,000£167,000
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
£145,000
At the asking price
£750/mo
Evidenced range £700-£800
5.4%
75%
Cash required
£45,200
Net cash flow
£30/mo
Cash on cash
0.8%
Score at this price
22
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.53 - 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 10013442030Valuation edge · as of 11 Nov 2026
valuation_snapshotsrent estimate 750/mo (range 700-800)Rental economics · as of 11 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026 · verify before relying on this