Frequently Asked Questions

Most of our clients invest a minimum of £500,000 across their portfolio. Individual buy-to-let properties typically range from £50,000-£100,000, while HMOs start from around £150,000. Many clients buy multiple properties over time.

For most Singapore and Hong Kong investors, yes. A UK limited company (SPV) offers lower tax on rental profits, full finance-cost deductions, tax-efficient reinvestment, and better asset protection. Dividends paid to SG/HK residents are often tax-free in your home country. We work with professional accountants who can advise on your specific situation.

Yes. International buyers can typically access up to 70% loan-to-value through a UK limited company. Interest rates currently sit around 6.5% + and vary weekly. We can connect you with specialist brokers.

Net yields can depend on your personal circumstances, experience and how you fund the properties. Buy-to-lets typically deliver around 6% net yield when sourced correctly. HMOs can reach approximately 12% net. We stress-test every deal with conservative assumptions, we'd rather under-promise than explain a miss later.

Two main strategies: Buy-to-lets (family rentals with long-term tenants) and HMOs (houses in multiple occupation for professional or standard tenants). We recommend the right strategy based on your goals, not just what's available.

We focus on northern UK markets where the numbers work and offer strong rental demand relative to purchase price.

London property prices are significantly higher, which compresses net yields. Northern markets offer better cashflow and stronger net returns for the capital deployed. We'll explain the trade-offs clearly so you can decide what fits your strategy.

We check everything: full address, property type, EPC rating, condition, tenancy status, rent and arrears, refurbishment costs, current and potential rent, done-up value using 3-5 recent sold comparables within 0.25-0.5 miles, and management fees. If it doesn't stack up, you never see it.

A full deal sheet including: property photos, floor plan, area brief, 3-5 sold comparables, 3-5 rent comparables, estimated bills (gas, electric, water, council tax), all upfront costs including our fees, and clear next steps.

Our target is 12 weeks from offer to completion. Conveyancing in the UK can be unpredictable, so we work with multiple pre-qualified solicitor firms and actively chase progress to keep things moving.

We provide detailed photos, comparable evidence, area data, and tenant information. Everything is documented so you can make an evidence-based decision. We also use Rightmove data, Land Registry records, and direct insights from local estate and letting agents.

Fees are based on a deal by deal basis. All fees are disclosed upfront on your deal sheet before you commit.

Buy-to-lets: 10-12% of rent. HMOs: 12-18% of rent. We connect you with trusted letting agents who handle day-to-day management.

No. We lay out every cost on the deal sheet: sourcing fees, legal fees, survey costs, stamp duty, refurbishment estimates, utility costs, and management fees. You'll know your true net yield before you commit.

You're not left alone. We provide ongoing investor support beyond the purchase - helping with tenant issues, management queries, and portfolio planning. We have dedicated teams for client support.

For buy-to-lets: sell via estate agent or back through our investor network (we avoid auctions). For HMOs: sell to us or our network based on yield. Benefits include no tenant eviction needed, sale based on income from day one, and faster transactions (8-12 weeks vs 6-8 months on the open market).

Yes. Overseas investors can buy UK property, but the decision should be based on more than availability. You need to understand the local market, rental demand, finance options, purchase costs, tax position and how the property will be managed from overseas. We help investors take a clear, evidence-led approach before committing to a deal.

Yes. Investors based in Singapore and Hong Kong can invest in UK property remotely. The key is having the right process in place, including sourcing, due diligence, finance preparation, legal support, management and regular updates. You should not need to rely only on online photos or headline figures.

Some overseas investors can access UK mortgage options, depending on their circumstances, income, deposit, residency status and lender criteria. It is important to understand your finance position early, before spending time reviewing deals that may not fit your lending options.

Deposit requirements vary depending on the lender, property type, purchase structure and investor profile. Overseas investors should usually prepare for a higher deposit than a UK resident buyer. The exact figure should be checked with a specialist broker before making a final decision.

Overseas investors may need to consider Stamp Duty, income tax on rental income, capital gains tax and other ownership costs. Tax treatment depends on your personal circumstances and how you structure the purchase, so professional tax advice should be taken before buying.

Yes. Stamp Duty may apply when buying UK property, and overseas buyers may also face additional surcharges depending on the purchase. This should be included in the numbers from the start so you understand the full cost before committing to a property.

This depends on your goals, tax position, finance options and long-term plans. Some overseas investors use a UK limited company, but it is not a one-size-fits-all decision. The right structure should be reviewed with suitable professional advice before you commit.

Currency movement can affect how much capital you need, the timing of your purchase and the value of your rental income when converted back to your home currency. Investors based in Singapore, Hong Kong or elsewhere overseas should factor currency into their planning early.

You should understand the property, area, rental demand, comparable sales, expected rent, purchase costs, refurbishment needs, finance assumptions, management plan and risks. A good deal should still make sense after the full picture has been reviewed.

A good deal is not just a low purchase price or a strong headline yield. It should fit your objectives, budget, rental strategy, risk appetite and long-term plan. The numbers should be realistic, properly checked and clear before you move forward.

Buy-to-Let and HMO can suit different investors. Buy-to-Let may be simpler, while HMO can involve more management, compliance and operational detail. The right option depends on your goals, budget, preferred level of involvement and appetite for risk.

HMO can be more operationally involved than a standard Buy-to-Let because of licensing, compliance, tenant management and maintenance. If you are investing from overseas, the management setup needs to be clear before buying.

There should be a clear management plan in place, especially if you live outside the UK. This includes rent collection, maintenance, tenant communication, inspections and updates. The goal is to make sure the investment can be managed properly without relying on your day-to-day involvement.

Not always. Many overseas investors review opportunities remotely, but you should not rely only on online photos or headline numbers. If you are buying from abroad, you need strong due diligence, clear reporting and trusted people on the ground.