Auction Watch

Lot 2 Auction House London Wed 25 Nov Guide £225,000+

Auction House London auction lotFlat B, 43 Victoria Road, Finsbury Park, London, N4 3SJ

1 bed flat (N4 3SJ), for sale by auction with Auction House London on 25 November 2026, lot 2. Guide £225,000+.

Finance view and instant termsGet the free reportStreet View ↗

Finance view

Good

Lendable, with points a lender will check first. 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 £194,000The guide plus 15%
Example rate
0.75% to 0.95% a monthArrangement fee about 2%

In its favour

  • Inside the M25 (Haringey): the area lenders know best
  • Crouch Hill station, about 7 minutes' walk
  • A park within a three-minute walk
  • Flood zone 1 (low risk)
  • 990 years left on the lease

What a lender will look at

  • Check In the Stroud Green conservation area: outside works need approval

If you let it

Typical rent about £1,643 a month, a gross yield of 7.6% on the expected hammer. The rent supports a 75% buy-to-let mortgage (up to about £287,000), so refinancing out of a bridge works on these figures.

ONS average for a 1-bed home in Haringey, 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

  • Whether it is sold vacant or with a tenant
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. 1143 similar sales within 1.5 km.

  1. Strong £535,000 Jul 2026

    36b Lorne Road, London, N4 3RU (flat)

    The same kind of home, 55 m away, sold 4 months ago.

  2. Strong £653,000 Jul 2026

    36a Albert Road, London, N4 3RP (flat)

    The same kind of home, 104 m away, sold 4 months ago.

  3. Strong £499,000 Jul 2026

    Flat 4, Wallace Lodge Osborne Road, London, N4 3SE (flat)

    The same kind of home, 154 m away, sold 4 months ago.

On the market now

Asking prices for 1-bed flats in N4 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 LondonWed 25 Nov, lot 2
Guide price
Guide £225,000+Expected hammer is usually higher
Property
1 bed flat | Leasehold
Tenure
Leasehold990 years left on the lease
Occupancy
Unknown
Floor area
506 sq ftConfirmed from the EPC
EPC rating
DFrom the EPC register
Planning
Stroud Green conservation areaFrom 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
£56,250
75% estimated bridging loan
£168,750

On the guide price. Lots usually sell above the guide: at the expected hammer (1.15× guide) the deposit would be £64,688. Stamp duty, the buyer's fee, legal costs and the lender's fees come on top. Illustrative only, not an offer of finance.

Get a decision in principle for bridging How much could you borrow?

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The report on this lot: free

  • 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

Prepared for this lot and emailed to you. Free, guidance not advice.

Listing and legal pack on Auction House London's site ↗

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