103 Liberty Street, London, SW9 0EF

UPRN:10023853762-Beds -Built 2007-2011

Tenure: -Council Tax: Band DEPC: C (76)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 2mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

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

£417,000

£334k - £501kLow

Estimate

£417k

Range

£334k – £501k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

7.40%

Verdict

Derived from HomePortfolio scores

103 Liberty Street earns an INVESTIGATE rating with HP Score 73/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

73/ 100

High

Crime Score

65/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 69Bike 82

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 11 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 28% above the ask. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [sold-comps +22.5%, £/sqft +22.6%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.4%· as of 3 Nov 2026
Rental economics17.9/40
gross yield 7.4%; range width penalty ×0.93; the estimate this rent rides on sits 28% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1850/mo (range 1750-2000)· as of 14 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 28% above the ask on the same snapshot - verify the rent describes this home· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -110/mo, -6% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 48 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 11 Nov 2026
Risk & liquidity9.2/15
311 sales/12mo in area; valuation range width 40%
- 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

£225,000£345,000

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

Purchase price£300,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,750-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: £268/mo
Cash on cash: 3.3%
Score at this price: 30

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.83 - 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

property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.4%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 1850/mo (range 1750-2000)Rental economics · as of 14 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 28% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 14 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_date

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 1850/mo (range 1750-2000)
Rental economics needs verification before you rely on it
sale estimate 28% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£417,000

Rent Estimate (pcm)£1,850

Gross Yield7.40%

1y Growth+1.4%

3y Growth-0.2%

5y Growth-0.8%

10y Growth+0.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SW9 0EF

Approval Rate

-12mo

Development

low

26/03275/DET
Approval of details pursuant to condition 36 (premises management plan) of Planning Permission Ref: 24/03279/FUL (Demolition of 8a Harleyford Street and construction of new 5 storey development, to provide 8 new homes (Use Class C3) and ground floor community use (Use Class F2), refurbishment and extension of Kennington Park Community Centre (Use Class F2) and associated cycle parking and hard and soft landscaping. This application is a DEPARTURE APPLICATION: The proposed development is a departure from Policies ED1 (Offices) of the Lambeth Local Plan (2021).) granted on 11.03.2026.
Pending
26/03274/DET
Approval of details pursuant to condition 18 (waste and recycling details) of Planning Permission Ref: 24/03279/FUL (Demolition of 8a Harleyford Street and construction of new 5 storey development, to provide 8 new homes (Use Class C3) and ground floor community use (Use Class F2), refurbishment and extension of Kennington Park Community Centre (Use Class F2) and associated cycle parking and hard and soft landscaping. This application is a DEPARTURE APPLICATION: The proposed development is a departure from Policies ED1 (Offices) of the Lambeth Local Plan (2021).) granted on 11.03.2026.
Pending
26/03263/DET
Approval of details pursuant to Condition 17 (Overheating) of planning permission 24/02624/FUL (Development comprising the replacement of the 4th floor and erection of a 5th floor rooftop, the removal of the entrance canopy plus formation of a new entrance and seating area, erection of rear extension at all levels, together with alterations to car parking spaces and servicing arrangements. (Re-consultation due to revised description).) granted on 10.12.2025
Pending

View Planning Timeline

Ownership

Corporate Ownership57.8%
Overseas OwnershipNo
Lease Term Remaining107 yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,666

Population Density11,685 /km²

Owner Occupied33%

Age Distribution

0-15 10%16-64 84%65+ 6%

View Area Profile

Schools Nearby

Reay Primary School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Platanos College
0.2 mi
Good
St Stephen's Church of England Primary School
0.3 mi
-
Van Gogh Primary
0.3 mi
Good

1 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

100 Liberty Street
-
£375k
-
93 Liberty Street
-
£380k
-
95 Liberty Street
-
£370k
-
81 Liberty Street
-
£164k
-

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