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Lot 13 Auction House Northants, Beds & Bucks Thu 12 Nov Guide £90,000+

Auction House Northants, Beds & Bucks auction lotFlat 80, Green Dragon House 64-70, High Street, Croydon, London CR0 1FT

1 bed flat (CR0 1FT), for sale by auction with Auction House Northants, Beds & Bucks on 12 November 2026, lot 13. Guide £90,000+.

Updated
  • Guide cut from £125,000 to £90,000 (4 November 2026)
Finance view and instant termsGet the free reportStreet View ↗

Finance view

Strong

Most bridging lenders would look at this lot. The loan that fits: Purchase bridge, as this is a home that can be let or sold as it is.

Likely loan
Up to 75% of the priceOn the purchase price
On the expected hammer
About £78,000The guide plus 15%
Example rate
0.75% to 0.95% a monthArrangement fee about 2%

In its favour

  • Inside the M25 (Croydon): the area lenders know best
  • George Street station, about 5 minutes' walk
  • A park within a three-minute walk
  • Flood zone 1 (low risk)
  • Sold vacant
  • Valued on 6 nearby sales of similar homes

If you let it

Typical rent about £1,267 a month, a gross yield of 14.7% on the expected hammer. The rent supports a 75% buy-to-let mortgage (up to about £221,000), so refinancing out of a bridge works on these figures. A yield this high usually means a reason for the low guide (the lease, a tenancy, the building or its condition): read the legal pack before you rely on it.

ONS average for a 1-bed home in Croydon, Sept 2026. Refinance test: rent covers the interest 125% at a 5.5% stress rate, as lenders test a limited company; personal borrowers are often tested harder.

Information a lender will need first

  • The lease length (years left)
What a lender will ask you for on a purchase bridge
  • Photo ID and proof of address
  • Proof of your deposit and where it came from
  • The legal pack, read by your solicitor before you bid
  • Your exit plan: sale or refinance, with evidence (comparables, or a mortgage in principle)
  • The lease, with the ground rent and service charge
  • A valuation, which the lender instructs
Get instant terms on this lot

We have access to lending of up to 75% of the purchase price, with up to 100% of the build cost. Tell us about the lot and we can put you in touch. Ratings and figures are a guide from the published facts, not an offer of finance or advice. Surroundings from OpenStreetMap (© OpenStreetMap contributors); stations from NaPTAN.

Closest comparables

The nearest sales of homes like this one in the last two years, from HM Land Registry, graded the way a lender reads them. 556 similar sales within 1.5 km.

  1. Strong £270,000 Jul 2026

    Flat 26, The Exchange, 6 Scarbrook Road, Croydon, CR0 1UH (flat)

    The same kind of home, 63 m away, sold 4 months ago.

  2. Strong £277,250 Feb 2026

    62 Scarbrook Road, Croydon, CR0 1SZ (flat)

    The same kind of home, 63 m away, sold 9 months ago.

  3. Moderate £210,000 Aug 2026

    Flat 171, Leon House, 233 High Street, Croydon, CR0 1FY (flat)

    The same kind of home, 273 m away, sold 3 months ago.

On the market now

Asking prices for 1-bed flats in CR0 on the property portals: their listings, opened in a new tab.

Rightmove ↗Zoopla ↗OnTheMarket ↗

Also at auction nearby

Sold prices: HM Land Registry Price Paid data, Crown copyright, Open Government Licence. Floor areas: the EPC register. Contains OS data © Crown copyright (Code-Point Open).

Lot details

Auction
Auction House Northants, Beds & BucksThu 12 Nov, lot 13
Guide price
Guide £90,000+Expected hammer is usually higher
Property
1 bed flat | Leasehold
Tenure
Leasehold
Occupancy
Vacant
Floor area
581 sq ftConfirmed from the EPC
EPC rating
BFrom the EPC register
Sold nearby
£398 per sq ftMedian of 6 similar sales near this lot with a known floor area, last 2 years (HM Land Registry, EPC)
Planning
No conservation area or listing foundFrom planning.data.gov.uk, at the lot's postcode
Flood risk
Zone 1: lowEnvironment Agency flood map zone, at the lot's postcode

Auction finance snapshot

25% deposit required
£22,500
75% estimated bridging loan
£67,500

On the guide price. Lots usually sell above the guide: at the expected hammer (1.15× guide) the deposit would be £25,875. Stamp duty, the buyer's fee, legal costs and the lender's fees come on top. Illustrative only, not an offer of finance.

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  • Deal grade, A to E, with the working
  • Maximum bid on the refurb and the conversion route
  • Value after works and build cost
  • Profit at every hammer price, and a stress test
  • Sold comparables matched to floor areas
  • The legal pack: what it says and what to check

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Listing and legal pack on Auction House Northants, Beds & Bucks' site ↗

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