Flat 1, 39 Whitehall, London, SW1A 2BX

UPRN:10033596102Flat/Maisonette0 bedsBuilt before 1900

Tenure: -Council Tax: Band EEPC: D (62)

Data freshness:Price Paid· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£777,000

£621k - £932kLow

Estimate

£777k

Range

£621k – £932k

Rent Estimate (pcm)

£3,250

£3k - £4k

Monthly

£3,250

Yield

0.27%

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 62/100. Investment score 58/100 reflects moderate 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. 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

62/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

100

Walkability

100/ 100

Excellent

Transit & Bike

Transit 100Bike 75

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

2 live adverts with different prices, types or bedrooms on one UPRN (£14,500,000-£17,950,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£14,500,000

At the asking price

Monthly rent£3,250/mo

Evidenced range £2,950-£3,600

Interest rate5.4%

Loan to value75%

Cash required: £6,005,050
Net cash flow: -£46,688/mo
Cash on cash: -9.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.07 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£777,000

Rent Estimate (pcm)£3,250

Gross Yield0.27%

1y Growth-

3y Growth+3.3%

5y Growth+4.8%

10y Growth+7.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

8SW1A 2BX

Approval Rate

100%12mo

Development

low

2026/4767/T
REAR GARDEN: 1 x Portuguese Laurel (T1) - Remove NW branch resting on gate pillar Reduce the remainder by up to 1m from tips to create a more compact shape 1 x Photinia (T2) - Reduce the heavily leaning shrub by 1-2m from tips to balance and create a more compact shape 2 x Sorbus (T3, T4) - Reduce both trees back to the previous pruning points, approx. 2m - 3m from branch tips Taking canopy height from approx. 10m to 7m and width from 8m to 5m.
Pending
2026/4355/L
Repairs to the shopfront to Shorts Gardens and installation of a new drip detail
Pending
26/07288/ADV
Display of an externally illuminated fascia sign measuring 0.25m x 2.40m and an externally illuminated projecting sign measuring 0.50m x 0.50m.
Pending

View Planning Timeline