Lower Morden · Merton · Mitcham and Morden constituency · 51.38485, -0.22130

SM4 4PU— Lower Morden, Merton

Location and area intelligence for SM4 4PU, Lower Morden, Merton

Strong, well-rated schools nearby

 

Schools 100%Safety 89/100Transport 15/100Low yield 3.46%

Best for: Families, Owner-occupiers

Compare areas

Car-dependent area — limited public transport

Liveability
63
Safety
89
Schools
60
Transport
15
Environment
64
Investment
33

The bottom line

SM4 4PU offers exceptional schools (100% Good/Outstanding), low crime and fast broadband at £555,000 median — strong value for Families and Owner-occupiers who can accept its trade-offs.

The catch: 55 min to victoria — above average for this zone.

Less suited to Car-free commuters.

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Location

SM4 4PU

Area Profile & Benchmarks

Area identity and London comparisons

Area Identity

Suburban
HighOwner occupiers / families
Buyer fit: ExcellentInvestment outlook: NeutralRisk: Low

London Benchmarks

vs London avg price+6.7% vs London avg
vs London income+9.8% vs London avg
vs London crime-81.0% vs London avg

Deep-dive guides for SM4 4PU

🛡️Crime & SafetyCrime rate, trends & breakdown by type🎓SchoolsOfsted ratings, exam scores & distances🏠Rental MarketAverage rents, demand & void risk

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Postcode Personality

🎓 School Smart📈 Up & Coming🔒 Very Safe

“Strong, well-rated schools nearby”

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How SM4 4PU has changed

Schools

18 Apr

Nearest schools and Ofsted ratings

60

Education score

Good for families
★ Top school within 1km
—

Primary

Aragon Primary School

Not yet inspected · 5 min walk

KS2: 108.4

—

Secondary

Cheam High School

Not yet inspected · Inspected May 2025 · 26 min walk

P8: +0.06A8: 52.1

100% of local schools rated Good or Outstanding · based on 8 schools within 1.5km

Top 10% — exceptional provision

Childcare

Childcare

Thomas Wall Nursery School

Not inspected · 34 min walk

5 primaries · 0 secondaries · 0 childcare — within 1km

Safety

13 Jul

Crime rates and local incidents

Low crime

12.5 incidents per 1,000 residents

Better than 92% of London
→ Stable

-77% vs borough

Crime by type

Violence & sexual offences61%
Other22%
Drug offences6%
Vehicle crime6%
Burglary6%
Anti-social behaviour0%
Theft0%
Robbery0%

Road safety

100

Road safety score

0

Accidents (5yr)

Fire risk

LOW

Risk band

0

Incidents (1yr)

0

Incidents (5yr)

Nearest station: Sutton Fire Station · 1.9km

Crime is 81% below London average

Property

2 Jul

Prices, sales volume and market trends

Low transaction volume — only 5 sales in 24 months. Price figures may not reflect the wider area. Treat with caution.

£555,000

Median sale price

Above London median by 7%

£555,000 is 7% above the London median (£520,000)

-18.4%

This year

Terraced

Dominant type

Price history

5-year change
+29.9%
Sales (24 months)5
New build0.0%
Avg terraced£555,000
Price per m²£6,903/m²
Price per ft²£641/ft²
Avg floor area81.3 m²

EPC breakdown

C
7%
D
13%
E
3%

Based on 23 properties · Confidence: medium

Street mix

Semi 2%Terraced 98%

LHA rates — Outer South London

Shared room£569/mo
1 bedroom£950/mo
2 bedrooms£1200/mo
3 bedrooms£1500/mo
4 bedrooms£1950/mo

Stamp duty

Standard buyer£15,250
First-time buyerFTB
£6,500
Additional propertyBTL/2nd
£31,900

England & NI rates 2025/26. Additional property rate adds 3% on each band.

Current mortgage rates

2-year fixed4.58%
5-year fixed4.32%
SVR7.25%

Bank of England (monthly average)

Affordability

12.0×

Price-to-income

£2,776/mo

Est. mortgage

Low

Market activity

100d

Days to sell

Falling

Market momentum

Energy & construction

Solar yield852 kWh/kWp/yr
Heat pump suitableYes
EPC upgrade costMedium
Rebuild cost estimate£203,250
Rebuild cost per m²£2,500/m²

BCIS London average 2024. Excludes land value. Use for building insurance sum insured guidance only.

Construction era1930-1949
WallsSolid brick, as built, no insulation (assumed)
RoofPitched, 100 mm loft insulation
Heating fuelmains gas (not community)
GlazingFully double glazed
Council tax band Band DAnnual charge £1,992
Price growth potentialModerate

Market History

Price trajectory, velocity and distribution

Price Trajectory

1995–2025 · CAGR

+6.8%

Total change

+621%

Market Activity

Price Velocity & Acceleration

Current Velocity

+5.2%

per year

Acceleration

-4.12

change in velocity

Market State

Steady growth

Velocity (%)Acceleration

Price Distribution

P25: £500k–£600k · P75: £75k–£100k · 62 sales

Property Type Mix

Total: 62 sales

Semi-detached1.6%
Terraced98.4%

By decade

1990s

2000s

2010s

2020s

Market Cycle

BullCooling bullRisingSteadyRecoveryCorrectionBear

Market Eras

EraPeriodStart priceEnd priceChangeAvg sales/yr
Late-1990s boom1995–2000£77k£120k+55.8%2.2
Post-dot-com plateau2001–2004£165k£235k+42.2%4.8
Pre-crash peak2005–2007£245k£265k+8%2.7
GFC & correction2008–2012£300k£275k-8.3%1.8
Help-to-Buy recovery2014–2016£376k£446k+18.6%1.5
Brexit uncertainty2018–2019£428k£411k-4%2
Rate-rise correction2022–2023£306k£483k+57.6%1.5
Current market2024–2025£528k£555k+5.2%2.5

Price Trajectory by Type

Terraced

Per-type alpha vs district

Best performer

Terraced

+0.1% alpha

Terraced+0.1% α
Local
6.8%
District
6.7%

CAGR over 30yr data window. Alpha = local CAGR − district CAGR.

Buyer vs Seller Score

Composite market conditions index 0–100

29out of 100SellerBuyer

Market condition

Seller's Market

Favours sellers

Higher score = better conditions for buyers

Score breakdown

Price Velocity0
Sales Volume75
Seasonal Timing0
Trend Position40

Transport

1 Jul

Public transport accessibility and links

PTAL 2

Poor

1a
1b
2
3
4
5
6a
6b
Bottom 25% — limited connections
Motspur Park

Nearby stations

Motspur ParkNational Rail
21 min walk
Morden Underground StationNorthern
33 min walk
Morden Road Tram StopTram
42 min walk
Phipps Bridge Tram StopTram
44 min walk
Merton Park Tram StopTram
44 min walk
No bus stops within 400m

20

Walkability score

7

Footpaths (500m)

0

Santander docks (800m)

Central London commute times

London Bridge60 min ↑
Victoria ★55 min
Waterloo58 min ↑
Canary Wharf70 min ↑
City61 min ↑

▎ marker = outer-London average per hub. ↓ green = below average. ↑ orange = above average. ≈ grey = at average. · Source: TfL Journey Planner (sampled)

Find areas within a set commute time of your workplace →

Parking & EV

Car parks, spaces and charging points

9

Car parks (800m)

2

EV chargers (800m)

Total spaces (800m)30
Nearest car park405m
Santander docks (800m)0
Nearest cycle dock5.2 km

Connectivity

Broadband and mobile coverage

100%

Full fibre

100%

Gigabit

100%

5G outdoor

100%

4G outdoor

Mobile operators

EEO2VodafoneThree
Avg download speed500 Mbps
Median download450 Mbps
Superfast coverage100%
All operators 5G94%

Broadband providers

BTSkyTalkTalkVodafoneVirgin Media

Environment

2 Jul

Flood risk, air quality and noise

Flood riskLOW
Low
Minimal flood risk
Surface waterMEDIUM
Medium
Air qualityLOW
NO₂: 22.0 µg/m³ · PM2.5: 13.0 µg/m³
Better than 87% of London
NoiseLOW
none
Quieter than 70% of London
Radon riskLOW
0.5% of local properties affected
ULEZ zone · £12.50/dayCCZ: 13.2 km away✗ Not Green Belt✗ Not AONB13% green spaceTree canopy: 25%
Above average green space

Nearest SSSI: Wimbledon Common SSSI — 5.5 km

Energy

Solar: 852 kWh/kWp/yrHeat pump: SuitableEPC upgrade: Medium

Ground stability

Geology: SAND AND GRAVEL

Subsidence risk: Low

Shrink-swell: Low

Running sand risk: Medium

Landslide records (2km): 3

Landslide susceptibility: Medium

Insurance risk

Standard

Cost band

Low

Flood risk

Low

Subsidence risk

0.5%

Flood claim prob.

Climate

Local weather conditions and energy potential

1,530 hrs/yr

Sunshine

595 mm/yr

Rainfall

22.9°C

Summer avg

3.0°C

Winter avg

Solar yield852.3 kWh/kWp/yr
Heat pump suitableYes
EPC upgrade costMedium

Source: Met Office UK Climate Averages 1991-2020

Health

GP, dental and hospital access

ST RAPHAEL'S HOSP (SUTTON)

LONDON ROAD, SM3 9DX

8 min walk

4

GPs within 1km

2

Dentists within 1km

4

Care homes (1km)

Nearest hospitalSt Anthony's · 552 m
Nearest A&EEPSOM AND ST HELIER UNIVERSITY HOSPITALS NHS TRUST · 2.7 km
A&E 4hr targetNHS target: 95% · London avg: ~68%67.6%

Amenities

Shops, restaurants, parks and more

50

Parks (1km)

3

Restaurants (800m)

1

Cafes (800m)

0

Pubs (400m)

1

Pharmacies (800m)

0

Gyms (1km)

3

Sports (1km)

0

Convenience

No pubs within 400m — nearest: Lord Nelson (579 m)

Nearest supermarket513 m
1 tennis courts2 swimming pools

Nightlife (500m)

0

Nightclubs

0

Late-night venues

E
566 licensed premises in borough172 late-night refreshment licencesHome Office 2023/24

1

Libraries (1km)

0

Cinemas (2km)

824m

Post office

Nearby shops

J.K. News755 m
Raksons823 m
Grand Fresh Market1.1 km
Cannon Hill News1.1 km

Nearby cafes

Sutton Cafe603 m
Eat Well Cafe773 m

Nearby restaurants

Bright Ocean610 m
Cafe Royale640 m
The Fish & Chippy644 m
KFC667 m

Nearby pubs

Lord Nelson579 m
The Morden Brook696 m

Nearby pharmacies

Hilton Pharmacy790 m

Nearby health

The James O'Riordan Medical Centre550 m
St Anthony's552 m
Hillcross Dental Practice824 m
Food hygiene (5-star)84% of 25

Business

Local businesses registered here

Active businesses
1
New (last 12 months)
0
Dissolved (last 12 months)
0
Industry diversity
1
3yr survival rate
100.0%

High street

E

High street health

Registered businesses

TONIKO LTD

Investment

Investment grade, yield and market outlook

33

Investment score

Weak

Score reflects rental yield, demand & liquidity — not capital appreciation. See Price growth potential below.

Avg monthly rent
£1,600London avg: £1,950/mo
Gross yield
3.5% (average)London avg: 3.8%Below average yield — bottom 51%
Gentrification score20/100
Sales last 12 months1

Rental market

Medium

Demand

Medium

Void risk

Mixed owner / renter

Tenant profile

+5.1%

Rent growth (1yr)

Market liquidity

Low

Market activity

100d

Est. days to sell

8/100

Velocity score

Future outlook

54.2

Price growth score

C
Low

Development pressure

Low

New supply risk

High investment qualityLow-deprivation area

Infrastructure pipeline

Infrastructure score0/100
Bakerloo Extension route14,037m
Crossrail 2 route4,187m

Demographics

16 Jun

Population, deprivation and income

Decile 10/10

Least deprived

Index of Multiple Deprivation

Less deprived than 90% of London

Rank: 30,418 nationally

1,442

Est. population

8,983/km²

63%

Employed

27%

Degree educated

£46,100

Median income

2.7%

Claimant rate

SuburbanHigh densityOwner occupiers / families

65

Community stability

Age profile

21%
18%
18%
24%
19%
Under 1821%
18–3418%
35–4918%
50–6424%
65+19%

Tenure

45%
47%
Own outright45%
Own (mortgage)47%
Private rent7%
Social rent1%
Shared ownership0%

Ethnicity

70%
White British70%
White Other9%
Asian10%
Black4%
Mixed4%
Other3%

Employment & lifestyle

Managerial / professional32%
Routine / semi-routine20%
No car household15%
Unemployed3%
No qualifications19%

Housing tenure (Census 2021)

Private rent7%
Social rent1%

vs. London

Income vs London+9.8%
Price vs London+6.7%

Planning

Conservation areas and development

Conservation area
No
Article 4 area
No
Listed buildings (800m)
1
Live planning apps (800m)
1
Development activity
low
Residential apps (800m)
0
Commercial apps (800m)
0
Major developments (800m)
0
Planning apps (12 months)
7
Planning apps (3 years)
15
Local approval rate
57%
Borough approval rate
74%
Opportunity area
No
CIL rate (residential)
£160/m²
Coal mining risk area
No
Japanese knotweed sites (400m)
0

Housing pipeline (800m)

Homes approved
0
Under construction
0
Completed (3yr)
13
Largest scheme
79 homes · 819, 819, LONDON ROAD, North Cheam, SM3 9BN
Pipeline pressure
NONE

Named schemes (500m)

Morden Farm Middle School, Morden Farm Middle School, Aragon Road, Morden, SM4 4QU45 homes
completed
Enterprise House, 181-191, Enterprise House, 181-191, Garth Road, SM4 4LZ26 homes
completed
5, 5, Dunster Avenue, Morden, SM4 4LE2 homes
completed
424, 424, Lynmouth Avenue, Morden, SM4 4RU2 homes
completed
37, 37, SOUTHWOOD CLOSE, Worcester Park, KT4 8QH2 homes
completed

Politics

Local councillors and MP

Ward majority
Labour
Ward majority vote
12.6%
Ward turnout
149%
Election year
2026
MP
Dame Siobhain McDonagh (Labour)
MP majority
18,761
Constituency
Mitcham and Morden

Councillors

Sally Isabel KennyLabour
Dan HoganLabour
Daniel Lewis ShearerLabour

Stamp Duty & Affordability Calculator

Stamp duty on median price (£555,000)

£15,250

Standard buyer

£6,500

First-time buyer

Save £8,750

Affordability check — your annual salary

£

Deposit

Affordability uses 4.5× single income and 4.75% indicative rate over 25 years. Not financial advice.

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Key facts for SM4 4PU

Full postcodeSM4 4PU
Postcode districtSM4
BoroughLondon Borough of Merton
WardLower Morden
Latitude51.384848
Longitude-0.221302
Parliamentary constituencyMitcham and Morden
CountryEngland
RegionGreater London

Trusted official data sources

Office for
National Statistics
LONDONDATASTORE
Ofsted
HM LAND
REGISTRY
Environment
Agency
DATA.POLICE.UK
GOV.UK
TfL
Transport
for London
NHS
Digital
Companies
House
Royal
Mail
Food Standards
Agency
Ofcom
Met
Office
Ordnance
Survey