Flat 4, 46 Lowther Hill, London, SE23 1PY

UPRN:10091635387Purpose Built Flat2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band CEPC: C (79)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

Flat 4, 46 Lowther Hill, London, SE23 1PY

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£423,000

£402k - £444kHigh

Estimate

£423k

Range

£402k – £444k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

5.70%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 81/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (85/100). 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.

Key SourcesEPC RegisterPortal listingsMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

85/ 100

Excellent

Transit & Bike

Transit 46Bike 66

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£400,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,750-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £131,300
Net cash flow: -£35/mo
Cash on cash: -0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - clears 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£423,000

Rent Estimate (pcm)£1,900

Gross Yield5.70%

1y Growth-18.4%

3y Growth-1.0%

5y Growth-0.6%

10y Growth+0.8%

Last Sold Price£365,000 (2019-01-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SE23 1PY

Approval Rate

-12mo

Development

low

DC/26/145929
Schedule 1 application for the demolition of an existing structure and construction of a like for like ground floor rear extension,together with all associated works, at 86 Hurstbourne Road, SE23 2AQ.
Pending
DC/26/145903
Details submitted pursuant to Condition 7-Cycle Parking Facilities and Condition 16-Ultra-Low NOx Gas Fired Boilers of planning permission DC/24/137485 dated 20th June 2025 at Land to the Rear of Cheney Court, Waldram Park Road SE23.
Pending
DC/26/145811
Retrospective application submitted under Section 73 of the Town & Country Planning Act 1990 for a Minor Material Amendment in connection with the planning permission (DC/24/135107) dated 30 April 2024, for the variation of Condition (2) Approved drawings in order to allow:- an additional depth of 1 metre to the single storey rear extension due to changes of the land levels and an increase in height of 0.3 metres for the parapet and roof light amendments at 9 Brockley View SE23.
Pending

View Planning Timeline

Ownership

Corporate Ownership71.6%
Overseas OwnershipNo
Lease Term Remaining84 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-01-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,505

Population Density-

Owner Occupied62%

Age Distribution

0-15 20%16-64 69%65+ 11%

View Area Profile

Schools Nearby

St William of York Catholic Primary School
0.1 mi
Good
Dalmain Primary School
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Stillness Infant School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stillness Junior School
0.3 mi
Good

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

View All Schools

Comparables

View All

64 Lowther Hill
-
£610k
-
12 Lowther Hill
-
£1.40M
-
38 Lowther Hill
-
£768k
-
46 Lowther Hill
-
£238k
-

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