
Derived from HomePortfolio scores
Flat 28A earns a BUY rating with HP Score 84/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (77/100). Flood risk is rated very low. Tenure is leasehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.
3 of 12 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.
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
Why this could be an opportunity
Every component scored, and three or more independent sources agree.
claims [AVM +12.8% (HIGH), sold-comps +5.9%, £/sqft +5.6%] → consensus +5.6% → credited 1.7% after backtest shrinkage; corroborated: AVM and sold-evidence family agree
gross yield 10.1%; range width penalty ×1.00
5 price cut(s), unknown days on market; calibration: cuts mark staleness, credited as negotiation context only
236 sales/12mo in area; valuation range width 10%
4 of 4 components scored. Calibrated against 6,141 realised listing→HMLR-sale outcomes, estimates taken as-of listing month. A large discount from one source alone is capped - independent sources must agree before it counts fully.
What happens to your money
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.
At the asking price
Evidenced range £750-£800
After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.50 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.
Where every number comes from
What could kill this deal
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 750-800)
Property risk deep-dive →flood, subsidence, crime, environment - the full domain
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. Ask the agent why the price was reduced and whether a previous sale fell through.
5 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £102,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.