Data freshness:●Listing· freshListing: fresh, refreshed 5d ago (2026-11-06T04:00:06.530844+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:25:15.715652+00:00)●Ownership· 1mo agoOwnership: ageing, refreshed 1mo ago (2026-10-10T17:45:15.852195+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 (2026-10-11T15:40:41.241163+00:00)
HP Score
69
/ 100
Mixed
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
20 of 21 sources
Sale Estimate
£272,000
£217k - £326kLow
Estimate
£272k
Range
£217k – £326k
Rent Estimate (pcm)
£1,600
£2k - £2k
Monthly
£1,600
Yield
10.11%
Verdict
Derived from HomePortfolio scores
32 Linby Drive earns an INVESTIGATE rating with HP Score 69/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (65/100). 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.
Low confidence1 independent sourceLead to verifyListing checked 6 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 30% above the ask. It ranks after every home whose inputs are verified.
Valuation edge2.5/15
claims [sold-comps +16.3%, £/sqft +16.5%] → 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 6.7%· as of 23 Oct 2026
Rental economics38/40
gross yield 10.1%; range width penalty ×0.95; the estimate this rent rides on sits 30% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1600/mo (range 1500-1700)· as of 10 Nov 2026· verify before relying on this
valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this home· as of 10 Nov 2026· verify before relying on this
Stress margin15.3/30
stressed cash flow +244/mo, +15% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 315 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 6 Nov 2026
Risk & liquidity9.2/15
373 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 70+ up to £171,000
£142,500£218,500
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
£190,000
At the asking price
£1,600/mo
Evidenced range £1,500-£1,700
5.4%
75%
Cash required
£59,600
Net cash flow
£466/mo
Cash on cash
9.4%
Score at this price
65
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.50 - 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 6.7%Valuation edge · as of 23 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1500-1700)Rental economics · as of 10 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026