Data freshness:●Listing· freshListing: fresh, refreshed yesterday (2026-11-03T04:00:05.311355+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 3d ago (2026-11-01T08:19:56.510729+00:00)●Planning· 3mo agoPlanning: ageing, refreshed 3mo ago (2026-08-17T07:36:25.800937+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)●Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
64
/ 100
Mixed
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
18 of 21 sources
Sale Estimate
£149,000
£134k - £164kMedium
Estimate
£149k
Range
£134k – £164k
Rent Estimate (pcm)
£1,000
£950 - £1k
Monthly
£1,000
Yield
12.63%
Verdict
Derived from HomePortfolio scores
Apartment 111 earns an INVESTIGATE rating with HP Score 64/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (98/100). 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 3 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 36% 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 +36.2% (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 9 Oct 2026
valuation_snapshotsestimate for 10022957962· as of 9 Oct 2026
Rental economics36/40
gross yield 12.6%; range width penalty ×0.90; the estimate this rent rides on sits 36% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1000/mo (range 950-1100)· as of 9 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 36% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin20.4/30
stressed cash flow +204/mo, +20% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 117 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 3 Nov 2026
Risk & liquidity12.8/15
119 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 sensitivityScores 70+ up to £92,500
£76,000£109,000
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
£95,000
At the asking price
£1,000/mo
Evidenced range £950-£1,100
5.4%
75%
Cash required
£29,800
Net cash flow
£372/mo
Cash on cash
15.0%
Score at this price
69
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.12 - 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 10022957962Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1000/mo (range 950-1100)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 36% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this