Data freshness:●Listing· freshListing: fresh, refreshed 2d ago (2026-11-04T04:00:06.345886+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 5d ago (2026-11-01T12:46:27.467600+00:00)●Planning· freshPlanning: fresh, refreshed 4d ago (2026-11-02T06:45:03.146428+00:00)●EPC· 3mo agoEPC: ageing, refreshed 3mo ago (2026-08-21T11:02:50.645881+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 yesterday (2026-11-05T17:42:09.721250+00:00)●Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)●Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
HP Score
65
/ 100
Mixed
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate
Evidence
19 of 21 sources
Sale Estimate
£332,000
£265k - £398kLow
Estimate
£332k
Range
£265k – £398k
Rent Estimate (pcm)
£1,500
£1k - £2k
Monthly
£1,500
Yield
10.29%
Verdict
Derived from HomePortfolio scores
Flat 12 earns an INVESTIGATE rating with HP Score 65/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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.
Installation of replacement two external air conditioning units to the rear.
Pending
2026/2950
Details of written scheme of investigation; cycle parking details; CEMP; BNG plan and statutory metric; future district heating network connection feasibility study, obscure glazing and site levels pursuant to conditions 3, 11, 20, 23, 25, 46 and 48 of planning permission dated 11/06/2026 ref 2025/0799 (Erection of a two-storey extension above the front part of the southern building facing Howie Street and the erection of a part four and part eight storey extension to the central and northern part of the building fronting Elcho Street including a new basement, to provide additional floor space (Use Class E(g)(ii)(Research and development of products or processes)) and associated ancillary floorspace.)
Pending
2026/2951
Installation of boreholes, pipework and associated infrastructure in connection with an Open Loop Water Source Heat Pump (WSHP) system.
gross yield 10.3%; range width penalty ×0.87; the estimate this rent rides on sits 47% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1500/mo (range 1400-1650)· as of 13 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 47% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin15.6/30
stressed cash flow +234/mo, +16% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity0/15
lease 7 years (under 80): most lenders refuse it - risk scores nothing; 190 sales/12mo in area; valuation range width 40%
property_intelligencetransactions_12mo
listing_factslease 7 years remaining (advert)· as of 4 Nov 2026
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
£175,000
At the asking price
£1,500/mo
Evidenced range £1,400-£1,650
5.4%
75%
Cash required
£54,800
Net cash flow
£448/mo
Cash on cash
9.8%
Score at this price
-
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.54 - 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_snapshotsrent estimate 1500/mo (range 1400-1650)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 47% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026