45 Swanley Centre, London Road, Swanley, BR8 7TQ

UPRN:50002012410Flat/MaisonetteBeds -Built 1983-1990

Tenure: -Council Tax: Band BEPC: E (39)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

45 Swanley Centre, London Road, Swanley, BR8 7TQ

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

19 of 21 sources

Sale Estimate

£213,000

£191k - £234kMedium

Estimate

£213k

Range

£191k – £234k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

7.20%

Verdict

Derived from HomePortfolio scores

45 Swanley Centre earns an AVOID rating with HP Score 66/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (81/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

56/ 100

Elevated

Walkability

81/ 100

High

Transit & Bike

Transit 27Bike 65

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 4 Nov 2026

Fewer independent sources agree, or a component could not be scored.

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 edge2.5/15
claims [AVM +6.1% (MEDIUM), sold-comps +41.2%, £/sqft +41.1%] → 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
Market estimate used (MEDIUM confidence) · snapshot 28 Oct 2026
- valuation_snapshotsestimate for 50002012410· as of 28 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.7%· as of 27 Oct 2026
Rental economics16.7/40
gross yield 7.2%; range width penalty ×0.95
- valuation_snapshotsrent estimate 1200/mo (range 1100-1250)· as of 28 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -92/mo, -8% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 146 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
229 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

£150,000£230,000

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£200,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £156/mo
Cash on cash: 3.0%
Score at this price: 32

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.78 - 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 50002012410Valuation edge · as of 28 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.7%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 1200/mo (range 1100-1250)Rental economics · as of 28 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1200/mo (range 1100-1250)
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£213,000

Rent Estimate (pcm)£1,200

Gross Yield7.20%

1y Growth+117.5%

3y Growth+2.2%

5y Growth+2.4%

10y Growth+3.5%

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

0BR8 7TQ

Approval Rate

-12mo

Development

low

26/02439/FUL
Erection of single storey side extension to form new storage area
Pending
26/02430/HOUSE
Erection of two-storey side extension with roof light. Re-positioning of existing side porch to form new front porch. Associated alterations to fenestration.
Pending
26/02322/PAE
Prior notification of a single storey rear extension which extends 4.50m beyond the rear wall of the original dwelling house with a maximum height of 3.20m and eaves height of 2.85m.
Approved

View Planning Timeline

Ownership

Corporate Ownership66.8%
Overseas OwnershipNo
Lease Term Remaining4 yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,969

Population Density4,790 /km²

Owner Occupied42%

Age Distribution

0-15 22%16-64 64%65+ 14%

View Area Profile

Schools Nearby

SupaJam Education In Music and Media
0.1 mi
-
Orchards Academy
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Bartholomew's Catholic Primary School, Swanley
0.1 mi
Inspected as St Bartholomew's Catholic Primary School, Swanley (URN 118860) on 5 May 2022
Horizon Primary Academy
0.3 mi
GoodImproving

5 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

54 Swanley Centre
-
£135k
-
52 Swanley Centre
-
£62k
-
43 Swanley Centre
-
£212k
-
40A Swanley Centre
-
£225k
-

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