Scoring — how a deal earns its score

Every property we publish has been scored on a 0–10 scale. This page explains how that number is built.

Inputs

The scorer takes four sources of evidence per property:

1. BMV depth. The percentage discount of the asking price against the postcode-sector sold median from the UK Land Registry.
2. Distress signals. Indicators that the vendor may be motivated to transact below market: short lease, EPC F/G, structural concerns flagged in the listing copy, probate sales, estate sales, repossession, divorce, long days on market.
3. Best-strategy ROI. The ROI of the highest-ROI viable exit strategy after our underwriting cuts.
4. Saturation risk. Whether the postcode sector is at risk of having too many recent sales at the assumed exit value, which would reduce the credibility of the GDV assumption.

Weightings

The four inputs are weighted as follows in v1:

• BMV depth: 35%
• Distress signals: 25%
• Best-strategy ROI: 30%
• Saturation risk (negative): 10%

Cuts

A property must pass each of these cuts to be eligible for publication:

• BMV depth of at least 15%
• Distress signal score of at least 5 (on a 0–10 scale)
• Best-strategy ROI of at least 20%
• Saturation risk below threshold

A property that clears all four cuts and scores 7.5 or above is considered for publication.

Why these inputs

BMV depth is necessary but not sufficient — a 30% discount on a property nobody wants is not a deal. Distress signals make the discount credible. ROI ensures the discount is monetisable. Saturation risk protects against optimistic GDV assumptions.

Future evolution

These weightings will be revised as we accumulate evidence of how our scored deals performed for members. Material changes will be documented here, dated.