Our Model
At the heart of our business model is a simple yet powerful strategy: Leveraging the power of SSAS pensions, we can often outcompete developers who use traditional bridging finance to acquire un-mortgageable properties well below market value. We resolve all these issues during our refurbishment process and at the same time create vibrant, well appointed co-living environments that cater to the needs of modern tenants.
Our renovation process ensures that each property we manage boasts a refined, contemporary aesthetic, complemented by thoughtfully designed common areas. We aim for each tenant to have their own ensuite or exclusive-use bathroom which leads to low voids and maximised rents.
Our experience drives our in-depth pre-purchase analysis. Knowing where to look for the relevant data and interpreting it correctly means we identify properties with the highest potential, allowing us to maximize the value of our portfolio.
At the point the project is complete and habitable the property is remortgaged and the loan from the SSAS pension repaid. The best properties achieve good cashflow whilst also seeing a sufficient uplift in value from the whole process that all of the purchase and refurbishment funds are repaid - also known as a no money left in deal.
Investors
We are open to different types of investor relationships.
Our simplest model is a basic loan agreement either secured against property or company shares or with a personal guarantee. This is typically interest only for a defined period with monthly interest payments. We can also look at funds loaned from flexible ISAs or SSAS pensions.
For those looking to get more involved, we can offer investments linked to a specific property we are developing, or a “lend and learn” arrangement where regular updates and education about HMO investments can be provided as a supplementary benefit to the investment yield
If you want to learn more please fill out our contact form for a no obligation catch up and we will be happy to explore which option may suit you.
Don’t invest unless you’re prepared to lose money. This is a high‑risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong.
