Data freshness:●Listing· freshListing: fresh, refreshed 6d ago (2026-11-04T04:00:06.345886+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:22:09.743263+00:00)●Ownership· 1mo agoOwnership: ageing, refreshed 1mo ago (2026-10-10T17:40:10.525550+00:00)●EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-07-01T02:04:50.057738+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
HP Score
63
/ 100
Mixed
Verdict
5 days ago
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
20 of 21 sources
Sale Estimate
£328,000
£262k - £393kLow
Estimate
£328k
Range
£262k – £393k
Rent Estimate (pcm)
£2,250
£2k - £2k
Monthly
£2,250
Yield
15.00%
Verdict
Derived from HomePortfolio scores
Apartment 1001 earns an INVESTIGATE rating with HP Score 63/100. Investment score 68/100 reflects moderate 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 leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.
Non-material amendment to planning permission 26/00365/PFUL3 for the omission of the additional student studio apartment from the approved scheme and retention of the existing staff facilities.
Pending
26/01853/PDS4
Details submitted to discharge Condition 3 of 24/01329/PFUL3 (details of windows)
Pending
26/01842/PADA
Number 5 St Mark's Street and 22-28 Union Road - former industrial buildings
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
82
Low confidence1 independent sourceLead to verifyListing checked 4 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 45% 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 [sold-comps +47.4%, £/sqft +47.3%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17%· as of 1 Nov 2026
Rental economics40/40
gross yield 15.0%; range width penalty ×1.00; the estimate this rent rides on sits 45% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 2250/mo (range 2150-2350)· as of 13 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin30/30
stressed cash flow +764/mo, +34% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 131 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 & liquidity9.3/15
119 sales/12mo in area; valuation range width 40%
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 80+ above the tested range (still 80+ at £207,000)
£166,500£207,000
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
£180,000
At the asking price
£2,250/mo
Evidenced range £2,150-£2,350
5.4%
75%
Cash required
£56,400
Net cash flow
£950/mo
Cash on cash
20.2%
Score at this price
82
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.70 - 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
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2250/mo (range 2150-2350)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 45% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptions
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 2250/mo (range 2150-2350)
Rental economics needs verification before you rely on it
sale estimate 45% 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 own walk-away price before viewing - the deal still scores 80+ at £207,000, the top of the tested range, so the score gives no ceiling below that.
Computed by re-running the score at higher prices; it never dropped below the threshold.
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.
costs not disclosed by the advert
Stress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026