"Should I proceed, or walk away?"
The crown jewel of the Hibba platform. A proprietary 10-factor, 100-point investment scoring system that delivers binary clarity. Built on professional investment committee methodology, adapted for individual investors.
Evaluate every property across ten critical dimensions covering location, finance, value-add potential, cost risk, and exit strategy:
Clear, unambiguous verdicts based on total weighted score:
Every assessment generates intelligent reasoning:
Tailor scoring to your investment strategy:
Compare up to 4 properties simultaneously:
Connects to the wider Hibba toolkit:
Each factor is scored 1–10 with detailed guidance at every level. Together they produce a comprehensive 100-point investment score.
What it measures: Quality and trajectory of the immediate area. Transport links, amenities, school catchment, regeneration activity, and growth trends.
Why it matters: Micro-market strength determines long-term capital growth and rental demand. A strong micro-market protects your downside.
What it measures: The immediate street and surroundings. Kerb appeal, parking, neighbouring properties, noise levels, and visual impression.
Why it matters: Street-level factors directly affect buyer emotion at viewing. Poor kerb appeal suppresses offers even in strong micro-markets.
What it measures: The balance of private ownership versus social and council housing in the immediate vicinity.
Why it matters: Lender criteria, insurance costs, and buyer perception are all influenced by housing tenure mix. High social housing concentration can restrict mortgage options.
What it measures: How easily a mainstream lender will finance the property. Construction type, lease length, EWS1 status, cladding, and lender restrictions.
Why it matters: Unmortgageable properties have a tiny buyer pool. Even if your exit plan is cash, most end buyers need a mortgage.
What it measures: Physical extension and conversion potential. Loft, rear extension, side return, basement, garage conversion, permitted development rights.
Why it matters: Expandability is where forced equity lives. Properties with extension potential often deliver the highest returns on capital invested.
What it measures: Interior transformation opportunity. Layout reconfiguration, natural light, ceiling height, period features, and specification uplift potential.
Why it matters: Design transformation is what photographs well and creates emotional buying triggers. Strong design potential means higher achievable GDV.
What it measures: The gap between all-in cost and realistic post-works value. Purchase price, refurb budget, fees, and comparable evidence for GDV.
Why it matters: Without sufficient margin, no deal works. This factor captures whether there is enough headroom to absorb surprises and still deliver acceptable returns.
What it measures: How accurately you can forecast renovation costs. Scope clarity, structural unknowns, specialist trades, listed building constraints, and access difficulty.
Why it matters: Cost overruns are the primary killer of property investment returns. Predictable scopes mean reliable projections and fewer nasty surprises.
What it measures: The breadth and depth of potential buyers for the finished product. First-time buyers, families, investors, downsizers, and market demand indicators.
Why it matters: A large buyer pool means competitive bidding at exit. A narrow pool means longer sales periods, lower offers, and eroded returns.
What it measures: How quickly you can convert the finished property to cash. Average days on market, price-to-asking ratios, and volume of recent comparable sales.
Why it matters: Liquidity determines holding cost. A property that takes 6 months to sell instead of 6 weeks costs real money in mortgage payments, insurance, and opportunity cost.
Add a property with address, asking price, property type, investment strategy, and your thesis. Then score each of the 10 factors from 1 (poor) to 10 (exceptional). The app provides detailed scoring guidance at every level so you know exactly what constitutes a 4 versus an 8.
Hibba Index calculates your total score out of 100, applies your custom factor weighting, and delivers a clear 4-tier verdict: Premium Buy (80–100), Strong Buy (65–79), Conditional (50–64), or Reject (10–49). You also get 3 highlighted strengths, 1–2 watch-outs, and automatic risk flags for critically weak areas.
View your full pipeline ranked by index score. Compare up to 4 properties side by side with radar chart overlays to spot strengths and weaknesses at a glance. Export your shortlist to CSV or push top-scoring properties to deeper analysis tools in the Hibba platform.
Free tier lets you assess up to 3 properties. Upgrade for unlimited assessments, custom weighting, and advanced comparison.
3 core tools with limited usage
£490/yr with annual billing
7 tools, unlimited usage
£790/yr with annual billing
9 tools, team access, Cost Manager
£1,490/yr with annual billing
All 12 tools, unlimited team, API, white-label
*All unlimited usage is subject to a fair usage policy.
"I used to rely on gut feeling and a spreadsheet. Hibba Index forces me to evaluate every factor systematically. I caught two deals with terrible exit liquidity that I would have missed. Saved me at least six figures in holding costs."
Marcus T., Full-Time Flipper (12+ deals p.a.)
"The 10-factor system is exactly what our investment committee needed. Every property gets a Hibba Index score before we commit capital. It has made our acquisition decisions faster, more consistent, and easier to justify to stakeholders."
Charlotte P., Fund Manager (50+ unit portfolio)
"I score every deal before presenting to clients. A Hibba Index score of 75+ gives clients confidence. The radar chart profile is brilliant for showing exactly where a property's strengths are — it is my most powerful sales tool."
David K., Property Sourcing Agent
"As a beginner, I did not know what to look for beyond the obvious. The 10-factor system with detailed guidance at every level taught me how professionals evaluate deals. My first investment scored 72 and has performed exactly as expected."
Priya S., First-Time Property Investor
Quick Scorer is for rapid 60-second on-site assessment at viewings. Deal Quality Engine provides 6-dimension pipeline triage focused on deal economics. Hibba Index is the most comprehensive tool: 10 factors covering location, finance, value-add, cost risk, and exit strategy in full depth. Use Quick Scorer to filter at viewings, DQE to triage your pipeline, then Hibba Index for the final investment decision on your shortlisted properties.
Premium Buy (80–100): Exceptional opportunity across most factors. Proceed with confidence and move quickly.
Strong Buy (65–79): Solid investment with minor weaknesses. Move to full due diligence.
Conditional (50–64): Decent potential but significant weak areas. Investigate the flagged factors before committing.
Reject (10–49): Too many fundamental weaknesses. Your capital deserves better. Walk away.
Yes (Pro tier). Each of the 10 factors can be weighted from 0.5x to 2.0x its default value. This lets you tailor the scoring model to your specific investment strategy. Factors are organised into five categories (Location, Financial, Value-Add, Cost & Risk, Exit) to make weight configuration intuitive.
Free tier: up to 3 assessments. Pro tier: unlimited. All data is stored locally in your browser, so your information stays private and loads instantly.
After scoring, the Hibba Index automatically identifies your property's 3 strongest factors (areas where it excels) and 1–2 watch-outs (weak areas that need attention). This provides plain-English reasoning alongside the numerical score, making it easy to communicate findings to partners, lenders, or investment committees.
Yes. You can cross-reference scored properties with Market Scanner area data, push high-scoring deals to the Offer Engine for bid calculation, and compare assessment approaches with Deal Quality Engine. Platform integration is available on Pro tier.
We offer a 14-day money-back guarantee on Pro subscriptions. If you are not satisfied, contact support@hibba.co for a full refund.
Stop guessing. Score every property across 10 factors, get a clear verdict, and invest with the confidence of a professional committee behind every decision.
Free tier available with up to 3 assessments • Upgrade anytime