First Floor Flat, 46 Pembridge Villas, London, W11 3EG

UPRN:217066266Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: -EPC: -

Data freshness:Price Paid· freshPlanning· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

First Floor Flat, 46 Pembridge Villas, London, W11 3EG

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£1,520,000

£1.44M - £1.60MHigh

Estimate

£1.52M

Range

£1.44M – £1.60M

Rent Estimate (pcm)

£6,450

£6k - £7k

Monthly

£6,450

Yield

5.18%

Verdict

Derived from HomePortfolio scores

First Floor Flat earns an INVESTIGATE rating with HP Score 67/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (97/100). 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.

Key SourcesPortal 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 company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

78/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 84Bike 75

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +1.6% (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 217066266· as of 9 Oct 2026
Rental economics1.2/40
gross yield 5.2%; range width penalty ×0.83
- valuation_snapshotsrent estimate 6450/mo (range 5850-7050)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,696/mo, -26% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 282 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 30 Oct 2026
Risk & liquidity14.6/15
192 sales/12mo in area; valuation range width 10%
- 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

£1,121,000£1,719,000

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£1,495,000

At the asking price

Monthly rent£6,450/mo

Evidenced range £5,850-£7,050

Interest rate5.4%

Loan to value75%

Cash required: £543,050
Net cash flow: -£580/mo
Cash on cash: -1.3%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 217066266Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 6450/mo (range 5850-7050)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 6450/mo (range 5850-7050)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£1,520,000

Rent Estimate (pcm)£6,450

Gross Yield5.18%

1y Growth-

3y Growth-3.7%

5y Growth-0.9%

10y Growth-0.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1W11 3EG

Approval Rate

100%12mo

Development

low

26/07377/NMA
Amendments to planning permission dated 2nd October 2025 (RN 25/04018/FULL) for the Partial demolition, refurbishment, and erection of a mansard roof extension to form a new third floor with dormers to front, side and rear elevations; to form 6 flats (Class C3) on upper floors; external plant equipment and ductwork; lower ground floor excavation to increase floor to ceiling height; replacement windows; cycle parking and associated external alterations; use of the part ground floor and lower ground floor as retail and restaurant (Class E). Site includes 60-68 Ledbury Road) NAMELY, An amendment to the basement and ground floor drawing reference numbers; amendment to the description of development, in reference to restaurant and or retail use; and amendments to C
Pending
26/07375/NMA
Amendments to planning permission dated 4th August 2026 (RN 26/03970/FULL) for the Replacement of roof terrace access stair with glazed hatch, new timber decking and front and rear roof railings to roof terrace, with infilling side window of closet wing. NAMELY, Hinged hatch access substituted by sliding hatch.
Pending
26/07361/FULL
Change of the existing ground and lower ground floors from Use Class E(g)(i) (Commercial business and service) to Class C3 dwelling with the creation of a two-bedroom maisonette with associated external alterations.
Pending

View Planning Timeline