Buyer-side property intelligence · England
The seller’s side has done their due diligence. You have a listing and a feeling. Commission a 10-section forensic research dossier to dismantle their asking price.
No card required — you are invoiced only if the evidence clears our significance threshold.
SettleIQ provides unregulated transaction data, not FCA-regulated financial advice, RICS valuations, or price forecasts. Folios must supplement, never replace, a physical surveyor’s inspection.
The evidence proved the flat was already underpriced. The Folio gave them the leverage to take another £6,128 off.
Confidently open low. Walk-away sits £23k higher than asking, giving you a massive negotiating safety room before hitting the true market ceiling.
The broader market is bleeding price momentum while velocity holds flat, but this specific seller is defying the softness with a fast, unreduced listing. Open exactly 1.5% under the aim to exploit the macro drop without triggering a rejection from a firm vendor.
We filtered 3,040 sector results down to a pure cohort of 27 identical transactions. Lock your anchor to this specific evidence — broad geographic estimates from the seller will not survive the pushback.
Offer asking price. Registry data supports a £480k valuation on actual floor area — don’t accept agent guesses on postcode averages.
UKHPI, 8-quarter change
Call the agent’s borough bluff. This sector lags Lewisham growth by 9.1 points. Negotiate based on hyper-local decay, not borough headlines.
Ignore “motivated seller” talk — it is a tactic, not evidence. With nothing on the register, vendor situation moves your offer by 0%. Your leverage is market-side only.
Kilmorie Primary expands capacity by 22% in Sep 2027, pulling this address into its premium catchment zone.
Seven of ten checks are clear. The two flags — Article 4 and asbestos era — are budget items, not deal-breakers. Get the lease term confirmed by the vendor’s solicitor before you commit to exchange.
Registered data from
The buyer advantage
A property transaction is rarely just about the purchase price. A Buyer Folio stress-tests the physical, regulatory, and financial realities of the address before you commit.
Trace the full listing lifecycle and historical price cuts. Dismantle the agent's asking price with clinical comparable evidence and receive a calibrated offer bracket designed to extract maximum value.
Spot red flags before instructing a solicitor. We surface indicative flood risks, radon potential, Article 4 directions, and strict conservation constraints that restrict future development.
Verify what the sales particulars promise. We pull hard data on Ofsted school expansions, true transport connectivity via DfT nodes, and verified premises-level broadband speeds.
Look past the purchase price. Uncover hidden heating bottlenecks, verified VOA Council Tax bands, and the exact capital expenditure required to meet future energy efficiency regulations.
How it works
Typically 48 hours from request to delivery.
Give us the address. No card details needed.
Fourteen public datasets, checked and cross-referenced.
Invoiced after the research holds up, not before.
Inside the folio
Every instrument names its source register.
Your two-bed leasehold flat is compared to two-bed leasehold flats. Not the terrace down the street.
The cohort's median price per square foot, applied to your verified floor area. Working shown.
A 0–10 read on how firm the seller actually is, before you name a number.
Ten property-level checks — flood, radon, cladding, conservation, asbestos — each naming its register.
Methodology
SettleIQ brings together public records that describe an address from different angles — what sold, what the property is, what surrounds it, and what may cost you later — then organises them into one buyer-side view.
The result is not a black-box estimate. It is a clear trail of evidence, with the full working available when you want to see how the pieces fit together — and where the evidence is too thin to support a claim.
Explore the full methodologyThe next step
We confirm by email, build the folio against the same fourteen registers, and send a payment link only once the evidence clears.
