Data freshness:●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-02)●Ownership· freshOwnership: fresh, refreshed today (2026-11-10T19:30:42.738513+00:00)●EPC· 1mo agoEPC: ageing, refreshed 1mo ago (2026-10-01T14:24:11.147361+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 5d ago (2026-11-05T17:42:09.721250+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
HP Score
79
/ 100
Strong
Verdict
today
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£132,000
£106k - £159kLow
Estimate
£132k
Range
£106k – £159k
Rent Estimate (pcm)
£850
£800 - £900
Monthly
£850
Yield
12.75%
Verdict
Derived from HomePortfolio scores
Flat 6 earns an INVESTIGATE rating with HP Score 79/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (59/100). 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.
Lawful Development Certificate for proposed flat roof repairs including new insulation and membrane to be overlaid on existing.
Pending
2025/1457/03/NMA
Non-Material Amendment: (Introduction of small section of flat roof) to Planning Permission 2025/1457/01/HOU dated 23/10/2025 - Erection of a single storey extension to rear; pitched roof, alterations to elevations
Pending
2026/0913/01/HOU
Erection of single story extension to rear, and alterations to front elevation including canopy to front
Low confidence1 independent sourceLead to verifyListing checked 3 Nov 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: the estimate sits 39% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.
Valuation edge2.5/15
claims [sold-comps +10.1%, £/sqft +9.8%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; AVM excluded (estimate confidence LOW below scoring floor)
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.7%· as of 1 Nov 2026
Rental economics38.6/40
gross yield 12.8%; range width penalty ×0.96; the estimate this rent rides on sits 39% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 9 Nov 2026· verify before relying on this
valuation_snapshotssale estimate 39% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin18.5/30
stressed cash flow +157/mo, +18% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 33 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 3 Nov 2026
Risk & liquidity9.2/15
542 sales/12mo in area; valuation range width 40%
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 sensitivityScores 70+ up to £78,000
£66,000£92,000
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
£80,000
At the asking price
£850/mo
Evidenced range £800-£900
5.4%
75%
Cash required
£25,300
Net cash flow
£318/mo
Cash on cash
15.1%
Score at this price
69
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.15 - 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
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.7%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 850/mo (range 800-900)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 39% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this