1 Claygate Cross Cottages, Winfield Lane, Borough Green, Sevenoaks, TN15 8PX

UPRN:200000959234Semi-Detached House2 bedsBuilt 2007 onwards

Tenure: -Council Tax: -EPC: C (72)

Data freshness:Listing· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

1 Claygate Cross Cottages, Winfield Lane, Borough Green, Sevenoaks, TN15 8PX

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£720,000

£576k - £864kLow

Estimate

£720k

Range

£576k – £864k

Rent Estimate (pcm)

£2,900

£3k - £3k

Monthly

£2,900

Yield

1.78%

Verdict

Derived from HomePortfolio scores

1 Claygate Cross Cottages earns an INVESTIGATE rating with HP Score 64/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (6/100). 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 SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)Defra 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

6/ 100

Low

Transit & Bike

Transit 33Bike 44

Walk Score, out of 100

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 1.8%; range width penalty ×0.82
- valuation_snapshotsrent estimate 2900/mo (range 2600-3150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -6,225/mo, -215% 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 6 Nov 2026
Risk & liquidity9.2/15
231 sales/12mo in area; 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£1,950,000

At the asking price

Monthly rent£2,900/mo

Evidenced range £2,600-£3,150

Interest rate5.4%

Loan to value75%

Cash required: £734,050
Net cash flow: -£4,574/mo
Cash on cash: -7.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.44 - 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 2900/mo (range 2600-3150)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 2900/mo (range 2600-3150)

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£720,000

Rent Estimate (pcm)£2,900

Gross Yield1.78%

1y Growth-

3y Growth-1.8%

5y Growth+0.9%

10y Growth+2.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2TN15 8PX

Approval Rate

-12mo

Development

low

26/01866/FL
Demolition of existing stables/equestrian buildings and erection of a detached 4-bed dwelling, utilising existing access
Pending
26/01706/FL
Erection of outbuilding
Pending
26/01367/FL
Demolition of existing carport. Erection of two storey front, side and rear extensions incorporating a vaulted entrance hall, front and rear dormers, replacement photovoltaic panels to new flat roof, associated fenestration alterations and external works
Approved

View Planning Timeline

Ownership

Corporate Ownership77%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density86 /km²

Owner Occupied76%

Age Distribution

0-15 21%16-64 57%65+ 22%

View Area Profile

Schools Nearby

Borough Green Primary School
1.2 mi
Good
Platt Church of England Voluntary Aided Primary School
1.4 mi
-
Plaxtol Primary School
1.4 mi
Good
Ightham Primary School
1.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Barnfield House Winfield Lane
-
£1.39M
-
Winterbourne Cottage Winfield Lane
-
£563k
-
Claygate House Winfield Lane
-
£950k
-
Winterbourne Cottage Winfield Lane
-
£475k
-

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