Data freshness:●Listing· freshListing: fresh, refreshed yesterday (2026-11-06T04:00:06.530844+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 6d ago (2026-11-01T11:07:23.304765+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:58:41.020743+00:00)●EPC· 3mo agoEPC: ageing, refreshed 3mo ago (2026-08-21T10:53:45.354558+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· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-20T09:33:12.870431+00:00)
HP Score
74
/ 100
Mixed
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
20 of 21 sources
Sale Estimate
£170,000
£161k - £178kHigh
Estimate
£170k
Range
£161k – £178k
Rent Estimate (pcm)
£950
£900 - £1k
Monthly
£950
Yield
6.71%
Verdict
Derived from HomePortfolio scores
Flat 2 earns an INVESTIGATE rating with HP Score 74/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (75/100). 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.
Erection of a single storey rear extension and demolition of existing extension.
Pending
P/2026/3060
Certificate of lawfulness for the proposed erection of a rear roof extension with hip to gable conversion with three front roof windows and Juliet balcony to the rear.
Pending
PA/2026/3012
Ground floor rear extension 4.00 metres deep, maximum height of 2.50 metres, 2.50 metres high to the eaves
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
14
Low confidence0 independent sourcesListing checked 6 Nov 2026
This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.
Valuation edge0/15
claims [AVM +0.0% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
valuation_snapshotsestimate for 12128512· as of 9 Oct 2026
Rental economics13.5/40
gross yield 6.7%; range width penalty ×0.99
valuation_snapshotsrent estimate 950/mo (range 900-1000)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -230/mo, -24% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
listing_factsservice charge / ground rent from the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 124 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 & liquidity0/15
lease 62 years (under 80): most lenders refuse it - risk scores nothing; 121 sales/12mo in area; valuation range width 10%
property_intelligencetransactions_12mo
listing_factslease 62 years remaining (advert)· as of 6 Nov 2026
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
£127,500£195,500
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
£170,000
At the asking price
£950/mo
Evidenced range £900-£1,000
5.4%
75%
Cash required
£53,200
Net cash flow
£84/mo
Cash on cash
1.9%
Score at this price
14
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.66 - 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 12128512Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 950/mo (range 900-1000)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026