Flat 109, 2–4 Montagu Mansions, London, W1U 6LG

UPRN:10033538345Flat/Maisonette2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: D (66)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 109, 2–4 Montagu Mansions, London, W1U 6LG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£1,197,000

£1.14M - £1.26MHigh

Estimate

£1.20M

Range

£1.14M – £1.26M

Rent Estimate (pcm)

£3,800

£3k - £4k

Monthly

£3,800

Yield

3.80%

Verdict

Derived from HomePortfolio scores

Flat 109 earns an INVESTIGATE rating with HP Score 66/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (100/100). 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.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra 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

66/ 100

Mixed

Investment Score

72/ 100

High

100

Crime Score

100/ 100

Elevated

100

Walkability

100/ 100

Excellent

Transit & Bike

Transit 100Bike 71

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead 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: 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 -0.3% (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 9 Nov 2026
- valuation_snapshotsestimate for 10033538345· as of 9 Nov 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.67
- valuation_snapshotsrent estimate 3800/mo (range 3300-4300)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,400/mo, -63% 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 11 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 93 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 & liquidity14.6/15
40 sales/12mo in area; valuation range width 10%
- 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

£900,000£1,380,000

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£1,200,000

At the asking price

Monthly rent£3,800/mo

Evidenced range £3,300-£4,300

Interest rate5.4%

Loan to value75%

Cash required: £425,050
Net cash flow: -£1,419/mo
Cash on cash: -4.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - 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_snapshotsestimate for 10033538345Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3800/mo (range 3300-4300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 3800/mo (range 3300-4300)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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£1,197,000

Rent Estimate (pcm)£3,800

Gross Yield3.80%

1y Growth-

3y Growth-6.2%

5y Growth-2.6%

10y Growth-1.3%

Last Sold Price£1,525,000 (2014-07-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0W1U 6LG

Approval Rate

-12mo

Development

low

26/07540/ADFULL
Details of a method statement explaining the measures you will take to protect the trees on and close to the site (in consultation with TfL) pursuant to condition 3 of planning permission dated 11th June 2026 (RN:26/02173/FULL)
Pending
26/07544/ADFULL
Details of replacement surfacing, soft landscaping and associated foundations pursuant to Condition 4 of planning permission dated 11 June 2026 (RN: 26/02173/FULL).
Pending
26/07541/AD7
Display for a temporary period of six months of a non-illuminated estate agent board located on the face of the building at ground floor level and measuring 0.45m x 0.6m
Pending

View Planning Timeline