50 Finchley Park, London, N12 9JL

UPRN:200041404End Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: D (62)

Data freshness:Listing· freshPrice Paid· freshPlanning· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£1,095,000

£986k - £1.21MMedium

Estimate

£1.09M

Range

£986k – £1.21M

Rent Estimate (pcm)

£4,050

£4k - £5k

Monthly

£4,050

Yield

3.48%

Verdict

Derived from HomePortfolio scores

50 Finchley Park earns an INVESTIGATE rating with HP Score 82/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (84/100). 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.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

84/ 100

High

Transit & Bike

Transit 43Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-0.6/15
claims [AVM -27.4% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 200041404· as of 12 Oct 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.76
- valuation_snapshotsrent estimate 4050/mo (range 3600-4500)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,038/mo, -75% 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
Seller motivationNot scored
context, not scored: 0 price cut(s), 47 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 4 Nov 2026
Risk & liquidity12.8/15
175 sales/12mo in area; valuation range width 20%
- 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

£1,046,000£1,604,000

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

Purchase price£1,395,000

At the asking price

Monthly rent£4,050/mo

Evidenced range £3,600-£4,500

Interest rate5.4%

Loan to value75%

Cash required: £503,050
Net cash flow: -£1,904/mo
Cash on cash: -4.5%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.86 - 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_snapshotsestimate for 200041404Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 4050/mo (range 3600-4500)Rental economics · as of 12 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

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 4050/mo (range 3600-4500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 47 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. 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£1,095,000

Rent Estimate (pcm)£4,050

Gross Yield3.48%

1y Growth+16.0%

3y Growth-0.2%

5y Growth-2.4%

10y Growth+0.0%

Last Sold Price£1,000,000 (2017-06-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0N12 9JL

Approval Rate

-12mo

Development

low

26/3780/HSE
External alterations to the dwelling including replacement of existing white render with brick slips; installation of new window frames and replacement of the front entrance door
Pending
26/3737/FUL
Subdivision of the ground floor flat into 2no. self-contained flats including single storey rear extension with rear patio area. Associated refuse/recycling/cycle storage and associated amenities
Pending
26/3739/HSE
Part single, part two storey side and rear following demolition of existing conservatory
Pending

View Planning Timeline