Data freshness:●Listing· freshListing: fresh, refreshed 2d ago (2026-11-10T04:00:08.634285+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:43:25.124775+00:00)●Ownership· freshOwnership: fresh, refreshed yesterday (2026-11-10T17:31:35.388904+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· 2mo agoAmenities: ageing, refreshed 2mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh●Council Tax· 1mo agoCouncil Tax: ageing, refreshed 1mo ago (2026-10-10T22:34:24.434250+00:00)
HP Score
85
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£246,000
£221k - £271kMedium
Estimate
£246k
Range
£221k – £271k
Rent Estimate (pcm)
£1,450
£1k - £2k
Monthly
£1,450
Yield
8.92%
Verdict
Derived from HomePortfolio scores
Flat 506 earns an INVESTIGATE rating with HP Score 85/100. Investment score 73/100 reflects strong fundamentals. Walkability is excellent (93/100). 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.
Low confidence1 independent sourceLead to verifyListing checked 10 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 21% above the ask; lead to verify: 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 +20.7% (MEDIUM), sold-comps +7.6%, £/sqft +7.6%] → 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 Nov 2026
valuation_snapshotsestimate for 10070861795· as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%· as of 5 Nov 2026
Rental economics29/40
gross yield 8.9%; range width penalty ×0.92; the estimate this rent rides on sits 21% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1450/mo (range 1350-1550)· as of 9 Nov 2026· verify before relying on this
valuation_snapshotssale estimate 21% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin6.4/30
stressed cash flow +92/mo, +6% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
listing_factsservice charge / ground rent from the advert· as of 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 344 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 10 Nov 2026
Risk & liquidity12.8/15
279 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 sensitivityScores 70+ up to £156,000
£146,000£224,000
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
£195,000
At the asking price
£1,450/mo
Evidenced range £1,350-£1,550
5.4%
75%
Cash required
£61,200
Net cash flow
£346/mo
Cash on cash
6.8%
Score at this price
51
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.20 - 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 10070861795Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%Valuation edge · as of 5 Nov 2026
valuation_snapshotsrent estimate 1450/mo (range 1350-1550)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 21% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from 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 1450/mo (range 1350-1550)
Rental economics needs verification before you rely on it
sale estimate 21% 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. Set your walk-away price before viewing - above £156,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
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 10 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026