Data freshness:●Listing· freshListing: fresh, refreshed 3d ago (2026-11-03T04:00:05.311355+00:00)●Price Paid· freshPrice Paid: fresh, refreshed 5d ago (2026-11-01T14:08:46.279511+00:00)●Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-07-10T09:31:17.946072+00:00)●EPC· 2mo agoEPC: ageing, refreshed 2mo ago (2026-09-20T01:17:29.488460+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· 4mo agoSchools: stale, refreshed 4mo ago (2026-07-07T09:14:45.605452+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●Council Tax· 6mo agoCouncil Tax: stale, refreshed 6mo ago (2026-05-16T10:28:35.621776+00:00)
HP Score
79
/ 100
Strong
Verdict
yesterday
Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed
Evidence
19 of 21 sources
Sale Estimate
£215,000
£194k - £237kMedium
Estimate
£215k
Range
£194k – £237k
Rent Estimate (pcm)
£1,400
£1k - £1k
Monthly
£1,400
Yield
12.00%
Verdict
Derived from HomePortfolio scores
24 Pennine Way earns an INVESTIGATE rating with HP Score 79/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (66/100). 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.
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
Opportunity
Why this could be an opportunity
75
Low confidence0 independent sourcesLead 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 35% 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 edge0/15
claims [AVM +34.9% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
valuation_snapshotsestimate for 61003343· as of 12 Oct 2026
Rental economics40/40
gross yield 12.0%; range width penalty ×1.00; the estimate this rent rides on sits 35% above the ask - check the rent describes the advertised home
valuation_snapshotsrent estimate 1400/mo (range 1350-1450)· as of 12 Oct 2026· verify before relying on this
valuation_snapshotssale estimate 35% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
Stress margin22/30
stressed cash flow +308/mo, +22% 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), 59 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 & liquidity12.8/15
505 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 sensitivityScores 80+ up to £122,500
£108,500£161,000
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
£140,000
At the asking price
£1,400/mo
Evidenced range £1,350-£1,450
5.4%
75%
Cash required
£43,600
Net cash flow
£497/mo
Cash on cash
13.7%
Score at this price
75
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.96 - 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 61003343Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1350-1450)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 35% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this