Flat 31, Exchange House, 36 Chapter Street, London, SW1P 4NS

UPRN:10033566018Flat/Maisonette1 bedsBuilt 1996-2002

Shared ownershipCouncil Tax: Band EEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 31, Exchange House, 36 Chapter Street, London, SW1P 4NS

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£513,000

£487k - £538kHigh

Estimate

£513k

Range

£487k – £538k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

5.73%

Verdict

Derived from HomePortfolio scores

Flat 31 earns an INVESTIGATE rating with HP Score 66/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (97/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is shared ownership. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

71/ 100

High

Crime Score

87/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 94Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 +12.3% (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 13 Oct 2026
- valuation_snapshotsestimate for 10033566018· as of 13 Oct 2026
Rental economics4.6/40
gross yield 5.7%; range width penalty ×0.78
- valuation_snapshotsrent estimate 2150/mo (range 1950-2400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -774/mo, -36% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 302 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 4 Nov 2026
Risk & liquidity14.7/15
89 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,950-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£30/mo
Cash on cash: -0.2%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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 10033566018Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 1950-2400)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 2150/mo (range 1950-2400)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 302 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. 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£513,000

Rent Estimate (pcm)£2,150

Gross Yield5.73%

1y Growth-

3y Growth-13.8%

5y Growth+0.3%

10y Growth-5.1%

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

0SW1P 4NS

Approval Rate

-12mo

Development

low

26/07413/LBC
Installation of new fibre optic cable and associated equipment within the basement.
Pending
26/07412/FULL
Installation of Automatic Opening Vents as part of essential fire strategy.
Pending
26/07411/ADFULL
Details of air quality assessment pursuant to Condition 2 of planning permission dated 1 August 2025 (RN: 25/04054/FULL).
Pending

View Planning Timeline

Ownership

Corporate Ownership21.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeShared ownership
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,172

Population Density20,138 /km²

Owner Occupied27%

Age Distribution

0-15 10%16-64 76%65+ 14%

View Area Profile

Schools Nearby

Westminster Under School
0.1 mi
Inspected by ISI
Fairley House School
0.2 mi
Inspected by ISI
Millbank Gardens Primary Academy
0.2 mi
Inspected as Churchill Gardens Primary Academy (URN 139940) on 27 Jun 2023
Burdett-Coutts and Townshend Foundation CofE Primary School
0.2 mi
Good

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Exchange House, 36 Chapter Street
-
£485k
-
Exchange House, 36 Chapter Street
-
£825k
-
Exchange House, 36 Chapter Street
-
£520k
-
Exchange House, 36 Chapter Street
-
£510k
-

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