Data freshness:●Listing· freshListing: fresh, refreshed today (2026-11-10T04:00:08.634285+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T08:05:03.224228+00:00)●Ownership· 1mo agoOwnership: ageing, refreshed 1mo ago (2026-10-10T17:47:49.860599+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· freshSchools: fresh, refreshed 5d ago (2026-11-05T17:42:09.721250+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
71
/ 100
Mixed
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
19 of 21 sources
Sale Estimate
£139,000
£132k - £146kHigh
Estimate
£139k
Range
£132k – £146k
Rent Estimate (pcm)
£700
£650 - £750
Monthly
£700
Yield
5.42%
Verdict
Derived from HomePortfolio scores
Flat 2 earns an INVESTIGATE rating with HP Score 71/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (66/100). 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.
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
16
Low confidence0 independent sourcesLead 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.
Valuation edge-1.6/15
claims [AVM -11.5% (HIGH), sold-comps -4.0%, £/sqft -4.1%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
valuation_snapshotsestimate for 10093747583· as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 14.8%· as of 1 Nov 2026
Rental economics3.1/40
gross yield 5.4%; range width penalty ×0.91
valuation_snapshotsrent estimate 700/mo (range 650-750)· as of 12 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -269/mo, -38% 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 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 56 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 & liquidity14.6/15
169 sales/12mo in area; valuation range width 10%
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 sensitivity
£116,000£178,000
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
£155,000
At the asking price
£700/mo
Evidenced range £650-£750
5.4%
75%
Cash required
£48,400
Net cash flow
-£39/mo
Cash on cash
-1.0%
Score at this price
16
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.34 - 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 10093747583Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 14.8%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 700/mo (range 650-750)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 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 700/mo (range 650-750)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield
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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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.
· verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026