# 2 bedroom apartment for sale (NW5 1TR)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 5, 95 HIGHGATE ROAD, LONDON, GREATER LONDON NW5 1TR |
| Price | £540,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | E |
| Construction age | England and Wales: 1996-2002 |
| Floor area | 64 m² |
| Last sold | £520,000 Oct 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 10/12/2034
- **Current heating cost:** £309/year

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2101-5310-4265-8678-3306)

## Description

The flat comprises a reception room with an open plan kitchen, a windowed bathroom and two bedrooms.

TENURE: 999 Years Lease from 29th September 2002

SHARE OF FREEHOLD:

SERVICE CHARGE: We have been advised £3,770.52 for 2024 for varous communal charges

- Unverified

Parking: To be confirmed

Utilities: The property is serviced by mains water, electricity and sewage

Broadband and Data Coverage. Ultrafast Broadband services are available via Openreach, Virgin Media, G Network.

Construction Type: To be confirmed

Heating: To be confirmed

Notable Lease Covenants & Restrictions: Not to use the Flat for any purpose whatsoever other than as a private residential flat. No animal, reptile or bird shall be kept on the Demised Premises without the written permission of the Company, which shall not be reasonably withheld. Not to reside or permit any person to reside in the Demised Premises unless the floors thereof (including passages but excluding kitchen and bathroom) are completely covered with wall-to-wall fitted carpet or other sound-deadening material. 

Council Tax: London Borough of Camden - Council Tax Band: E (£2,457.37 for 2024/25)

Location:

Silver Lodge is set on Highgate Road, nearest tube stations being Kentish Town and Tufnell Park (both Northern line) and close to Gospel Oak overgound station, Kentish Town Thameslink, local bus services, shops, cafes, pubs and Parliament Hill Fields with Hampstead Heath beyond. The flat is a bus ride away from the Camden Town area (or one stop along the Northern Line from Kentish Town tube station) for its attractions including Camden Market alongside The Regents Canal.

## Property Photos

- ![Picture No. 09](/listings/photos/156068081/639652) - Picture No. 09
- ![Picture No. 06](/listings/photos/156068081/639653) - Picture No. 06
- ![Picture No. 08](/listings/photos/156068081/639654) - Picture No. 08
- ![Picture No. 10](/listings/photos/156068081/639655) - Picture No. 10
- ![Picture No. 07](/listings/photos/156068081/639656) - Picture No. 07
- ![Picture No. 14](/listings/photos/156068081/639657) - Picture No. 14
- ![Picture No. 18](/listings/photos/156068081/639658) - Picture No. 18
- ![Picture No. 04](/listings/photos/156068081/639659) - Picture No. 04
- ![Picture No. 16](/listings/photos/156068081/639661) - Picture No. 16
- ![Picture No. 13](/listings/photos/156068081/639663) - Picture No. 13
- ![Picture No. 12](/listings/photos/156068081/639665) - Picture No. 12
- ![Picture No. 17](/listings/photos/156068081/639667) - Picture No. 17
- ![Picture No. 11](/listings/photos/156068081/639668) - Picture No. 11
- ![Picture No. 15](/listings/photos/156068081/639670) - Picture No. 15
- ![Picture No. 19](/listings/photos/156068081/639672) - Picture No. 19

## Floorplans

- ![Picture No. 05](/listings/photos/156068081/639674) - Picture No. 05

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/156068081/639676) - EPC Rating Graph

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 95 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £520,000 | 24/10/2025 | Flat |
| 95 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £499,950 | 16/03/2015 | Flat |
| 95 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £172,000 | 29/10/2010 | Flat |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 27 FLAT 12 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £875,000 | 12/09/2025 | Flat |
| 27 FLAT 14 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £765,000 | 25/07/2025 | Flat |
| 27 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £725,000 | 17/07/2025 | Flat |
| 27 FLAT 9 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £735,000 | 27/06/2025 | Flat |
| 27 FLAT 1 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £700,000 | 30/05/2025 | Flat |
| 27 FLAT 4 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £860,000 | 12/05/2025 | Flat |
| 27 FLAT 15 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £660,000 | 02/05/2025 | Flat |
| 27 FLAT 6 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £725,000 | 02/05/2025 | Flat |
| 114C HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1PB | £715,000 | 27/10/2023 | Flat |
| 47A LADY SOMERSET ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TY | £1,086,000 | 17/10/2023 | Flat |
| 13 FIRST AND SECOND FLOOR MAISONETTE BURGHLEY ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1UG | £750,000 | 07/08/2023 | Flat |
| 39 - 51 FLAT 301 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT | £1,300,000 | 14/07/2023 | Flat |
| 119 FLAT 48 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £360,000 | 26/06/2023 | Flat |
| 118 SECOND AND THIRD FLOOR FLAT HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1PB | £580,000 | 20/01/2023 | Flat |
| 13B BURGHLEY ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1UG | £545,000 | 22/12/2022 | Flat |
| GRANGEMILL FLAT 19 INGESTRE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1XH | £495,000 | 08/12/2022 | Flat |
| 39 - 51 FLAT 506 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT | £1,795,000 | 03/10/2022 | Flat |
| 9A LITTLE GREEN STREET, LONDON, CAMDEN, GREATER LONDON, NW5 1BL | £241,000 | 27/07/2022 | Flat |
| 137F HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1LE | £430,000 | 18/07/2022 | Flat |
| 39 - 51 FLAT 107 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT | £985,000 | 01/07/2022 | Flat |

**Area average:** £766,350 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £660,728 (54 Flat, NW5, 2024–2026)
- **Deviation:** -18.3%

## Rental Range

*ONS Price Index of Private Rents (Camden). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £2,452/mo
- **Realistic:** £2,724/mo
- **Optimistic:** £2,996/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Inner North London (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £1,789/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Durston Flats, NW5 | £2,400/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, Grafton Road, NW5 | £3,000/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, Weedington Road, NW5 | £2,700/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, Grafton Road, NW5 | £2,600/mo | 2 | 0.44 miles | OpenRent |
| 2 Bed Flat, Brecknock Road, N19 | £2,200/mo | 2 | 0.45 miles | OpenRent |
| 2 Bed Flat, Grafton Road, NW5 | £2,350/mo | 2 | 0.52 miles | OpenRent |
| 2 Bed Flat, Junction Road, N19 | £2,100/mo | 2 | 0.52 miles | OpenRent |
| 2 Bed Flat, Goddard Place, N19 | £2,450/mo | 2 | 0.57 miles | OpenRent |

**Average rent: £2,475/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.45% (weak for cashflow)
- **Max investor price (0.8%):** £303,125
- **Target investor price (1%):** £242,500

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £2,425/mo).*

- **Gross yield:** 5.4%
- **Cost-to-rent:** 18.6×
- **Monthly cashflow:** £31/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.2%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Price per Square Metre

- **£/m²:** £8,438/m²

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -2.4%
- **10y growth:** -7.7%

## House Price Index (HM Land Registry)

*Official index for Camden; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** -8.2%
- **5y growth (index):** -5.5%
- **10y growth (index):** -10.8%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)