Flat 6, 1 Scotts Lane, Bromley, BR2 0LH

UPRN:10070020338Flat/MaisonetteBeds -Built -

Tenure: -Council Tax: Band CEPC: B (90)

Data freshness:Listing· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£367,000

£331k - £404kMedium

Estimate

£367k

Range

£331k – £404k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

5.50%

Verdict

Derived from HomePortfolio scores

Flat 6 earns an INVESTIGATE rating with HP Score 76/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (50/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

50/ 100

Moderate

Transit & Bike

Transit 53Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 2 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 edge2.5/15
claims [AVM +1.9% (MEDIUM), sold-comps +10.2%, £/sqft +10.3%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 10070020338· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.2%· as of 28 Oct 2026
Rental economics3.6/40
gross yield 5.5%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1650/mo (range 1550-1800)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -436/mo, -26% 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 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 34 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 2 Nov 2026
Risk & liquidity0/15
lease 5 years (under 80): most lenders refuse it - risk scores nothing; 467 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo
- listing_factslease 5 years remaining (advert)· as of 2 Nov 2026

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

£270,000£414,000

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£360,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £117,300
Net cash flow: -£73/mo
Cash on cash: -0.7%
Score at this price: 6

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.36 - 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 10070020338Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.2%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1550-1800)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 1650/mo (range 1550-1800)
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. 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.
3. 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£367,000

Rent Estimate (pcm)£1,650

Gross Yield5.50%

1y Growth+16.3%

3y Growth+0.0%

5y Growth+1.2%

10y Growth+2.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

4BR2 0LH

Approval Rate

-12mo

Development

low

26/03028/CON
Details submitted to comply with the requirements of the following condition relating to planning permission 26/03028/FPA: Condition 4 (a) and (b) - Replacement windows
Pending
26/04279/LDC
Garage conversion with elevational alterations LAWFUL DEVELOPMENT CERTIFICATE (PROPOSED)
Pending
26/04268/LDC
Internal alterations to combine two self-contained flats into one residential dwellinghouse LAWFUL DEVELOPMENT CERTIFICATE (PROPOSED)
Pending

View Planning Timeline

Ownership

Corporate Ownership66.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,981

Population Density4,105 /km²

Owner Occupied70%

Age Distribution

0-15 17%16-64 56%65+ 27%

View Area Profile

Schools Nearby

St Christophers The Hall School
0.3 mi
Inspected by ISI
Clare House Primary School
0.3 mi
Inspected as Clare House Primary School (URN 101638) on 10 May 2012
St Mary's Catholic Primary School
0.5 mi
OutstandingImproving
Valley Primary School
0.6 mi
Good

5 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

14 Scotts Lane
-
£1.33M
-
14A Scotts Lane
-
£1.25M
-
14 Scotts Lane
-
£1.36M
-
20 Scotts Lane
-
£1.07M
-

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