Data freshness:●Listing· freshListing: fresh, refreshed 2d ago (2026-11-03T04:00:05.311355+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 4d ago (2026-11-01T08:50:32.503428+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:12:10.117983+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)●Schools· 1mo agoSchools: ageing, refreshed 1mo ago (2026-10-06T08:24:30.427161+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
63
/ 100
Mixed
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
18 of 21 sources
Sale Estimate
£365,000
£329k - £402kMedium
Estimate
£365k
Range
£329k – £402k
Rent Estimate (pcm)
£1,050
£950 - £1k
Monthly
£1,050
Yield
4.06%
Verdict
Derived from HomePortfolio scores
9 Templewood Lane earns an INVESTIGATE rating with HP Score 63/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.
Back garden; T1, apple tree canopy reduce and thin to original pruning points removing approximately 1m of growth. T2, maple to be canopy reduced as before removing approximately 2m of growth. T3, birch to be dismantled to ground level. T4, holly tree to be dismantled to stop damage to the property fence line. T5, cherry tree to be canopy reduced by approximately 2m. Front garden; T6, magnolia to be crown lifted to give a ground clearance of 3m for cars on the drive, a canopy reduction of 1m carried out for formative pruning.
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
Opportunity
Why this could be an opportunity
15
Low confidence1 independent sourceLead 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 15% above the ask. It ranks after every home whose inputs are verified.
Valuation edge2.5/15
claims [AVM +15.1% (MEDIUM), sold-comps +6.3%, £/sqft +6.3%] → 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
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
valuation_snapshotsestimate for 10034815519· as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.4%· as of 28 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.72; the estimate this rent rides on sits 15% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1050/mo (range 950-1200)· as of 13 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 15% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -666/mo, -63% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 63 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
162 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 sensitivity
£232,500£356,500
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
£310,000
At the asking price
£1,050/mo
Evidenced range £950-£1,200
5.4%
75%
Cash required
£99,800
Net cash flow
-£319/mo
Cash on cash
-3.8%
Score at this price
15
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.00 - 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 10034815519Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 14.4%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 1050/mo (range 950-1200)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 15% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert
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 1050/mo (range 950-1200)
Rental economics needs verification before you rely on it
sale estimate 15% 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.
Stress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026