91 Springwood Rise, Kelso, TD5 8BE

UPRN:116080735-Beds -Built -

Tenure: -Council Tax: -EPC: -

HP Score

Not available

Verdict

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

6 of 21 sources

Sale Estimate

£269,000

£215k - £323kLow

Estimate

£269k

Range

£215k – £323k

Rent Estimate (pcm)

£850

£750 - £950

Monthly

£850

Yield

3.92%

Verdict

Derived from HomePortfolio scores

91 Springwood Rise earns an INVESTIGATE rating; it has no HP Score yet. Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal listingsMarket estimates (third-party AVM)PlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

No data

Investment Score

No data

Crime Score

No data

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.9%; range width penalty ×0.73
- valuation_snapshotsrent estimate 850/mo (range 750-950)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -602/mo, -71% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity0.2/15
valuation range width 40%
- property_intelligencetransactions_12mo

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£260,000

At the asking price

Monthly rent£850/mo

Evidenced range £750-£950

Interest rate5.4%

Loan to value75%

Cash required: £82,300
Net cash flow: -£289/mo
Cash on cash: -4.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.97 - below 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_snapshotsrent estimate 850/mo (range 750-950)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 750-950)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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.

Valuation & Market

Sale Estimate£269,000

Rent Estimate (pcm)£850

Gross Yield3.92%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price£174,900 (2011-10-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-TD5 8BE

Approval Rate

-12mo

Development

26/01628/FUL
Formation of 2 additional residential caravan pitches
Pending
26/01302/TPO
Work to trees
Pending
26/01163/FUL
Section 42 application to modify condition 3 of planning permission 15/00361/FUL pertaining to opening hours to operate on a 24-hour basis
Rejected

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease Type-
Last Ownership Change2011-10-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority-

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Ford Castle Residential Centre
14.1 mi
-
Norham St Ceolwulfs CofE Controlled Primary School
14.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Hugh Joicey Church of England Primary School, Ford
14.3 mi
GoodConcerns
Glendale Primary School (Prev. Wooler First School)
17.4 mi
Good

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

View All Schools

Comparables

View All

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