Interested in the way we approach property? We welcome conversations with potential funding and joint-venture partners who share our focus on quality and long-term value.
We start with your investment goals, available capital and preferred level of involvement. We’ll talk through our approach and explore opportunities that fit your priorities, whether that’s regular income, long-term growth or a combination of both.
Speak to us about long-term or project-specific investment opportunities. We explain the proposed terms, how funds would be used and the risks, with progress updates and arranged site visits during the work.
Investment terms are tailored to the amount invested, the agreed term and your preferred interest arrangements. Interest retained in the investment compounds annually. For larger investments, a second charge over an agreed property may be available, subject to lender consent and legal documentation.
Capital and interest are at risk. Security is not available for every investment and does not guarantee repayment. A second charge ranks behind the first-charge lender.
Discuss your investment goals ↗See how your initial investment could grow over your chosen term, with interest compounded annually when retained. Adjust the amount, illustrative annual rate and term to explore different scenarios.
You could lose some or all of your investment. Consider independent financial and legal advice before committing funds.
| Year | Starting balance | Interest added | Closing balance |
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Figures are illustrative and assume all interest is retained and compounded annually, with no withdrawals. Actual rates and terms are agreed individually. Tax and fees are not included. Capital and interest are at risk; returns are not guaranteed.
Ask about our approach ↗You provide the agreed funding. We source the property and oversee the refurbishment, then coordinate letting and assess suitable refinancing options. Ownership, responsibilities and cashflow shares are agreed before the project starts.
Funding requirements vary by project. The budget must cover acquisition, refurbishment, professional fees, finance costs and a contingency.
Explore a joint venture ↗We assess a suitable HMO or buy-to-let mortgage route with a qualified broker. Lending depends on the property, valuation, rental income and borrower. Refinancing, its timing and the amount of capital released are not guaranteed.
Every project has its own funding plan. We explain the acquisition deposit, refurbishment budget, professional fees, tax, furnishings, licensing and contingency before agreeing the deal. Borrowing and finance costs are assessed separately; there is no single funding figure that fits every property.
We manage the entire project for you, from sourcing the property and coordinating the design to overseeing refurbishment, furnishing and getting it ready for tenants. We agree your investment goals and specification upfront, then handle delivery through our trusted team, keeping you informed throughout.
You fund and own the property. We charge an agreed fee for delivering the project, with ongoing management arranged separately.
We also coordinate the applicable planning, building regulations, fire-safety requirements and HMO licensing as part of project delivery.
Fees agreed upfront according to the project scope.
Discuss your property project ↗We research an area before searching for a property, looking for evidence of demand for the type of home we plan to create.
Yorkshire is our focus. We assess locations around major employers, hospitals and transport links, using local research to understand demand and the quality of existing accommodation.
We assess en-suite and studio-style rooms against local enquiries, rental listings and the requirements of each property. We do not assume that a national trend will work in every town.
HMOs create several rental income streams within one property, offering the potential for stronger cashflow than a single let. Income is spread across individual rooms, so one vacancy doesn’t stop rent coming in from the others. We focus on the net return, assessing rental demand alongside refurbishment, finance and running costs.
We assess refurbishment, finance, management, utilities, maintenance and vacancy allowances alongside the rent forecast. A strong gross rent figure alone does not establish a profitable deal.
We look beyond the existing layout, exploring extensions and reconfiguration where suitable to create additional rooms, improve shared spaces and unlock potential rental income and property value. Every proposal is assessed against local requirements, build costs and the quality of the finished home.
We currently focus on suitable properties outside HMO Article 4 areas, checking the planning position before acquisition. Where permitted, this can provide a route to establishing lawful HMO use before tighter local controls are introduced.
If future restrictions constrain new supply, established HMOs may become more attractive to investors. We treat that as potential upside, while assessing each deal on its rental demand, costs and performance today.
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