Buyers
Buying to add value, from a first refurbishment to a portfolio of sites, here or from overseas.
23 calculators
What has to be in the account on the day, what a lender will advance against the rent, what it keeps once every running cost is in, and how much of your own money never comes back out. Every figure in them is yours to change.
What is the purchase tax on this, wherever in the UK it is?
Open →What has to be in the account on the day?
Open →What will a lender actually lend me?
Open →What will a buy to let lender lend against this rent?
Open →What does a single let actually keep?
Open →How much of my money stays stuck in this deal?
Open →Every one of these is an estimate and none of it is advice. Mortgages, bridging and development finance are arranged through regulated brokers and lenders. Purchase tax covers England, Northern Ireland, Scotland and Wales, each under its own regime; anything else to do with tax belongs with your accountant, and the figures here are a starting point for that conversation rather than a substitute for it. Nothing you type is sent anywhere: the arithmetic runs in your browser and stays there.
Three ways to buy
They are not interchangeable. Which one fits depends on whether a lender will have you today, and how fast the seller needs to be gone.
You are lendable now.
We source it, estimate the refurbishment with the trades who would do the development, package the deal for a lender, and run the transaction to completion. Then we build it, and let or sell it.
Speed is the product.
No lender, no valuation, no chain. That puts you at the front of the queue on the stock most buyers cannot touch: insolvency, probate, receivership, defective title, short completions.
You are not lendable today.
A fixed purchase price, a defined down payment, and an agreed period in the property while the financing is arranged. The right to buy is yours, and it is not an obligation.
Buying
A fixed purchase price, a defined down payment, and an agreed period during which you live in the property and arrange long-term financing. The right to buy is yours, not an obligation. The mechanics are set out in full on the insights pages.
No. A structured purchase exists precisely for buyers who are not lendable today: recently self-employed, newly arrived, or holding illiquid assets. We will tell you honestly whether a conventional mortgage is the better route, because for most people it is.
Typically 10% to 15% of the purchase price, set per property and disclosed in pounds and as a percentage before you commit. It is credited against the purchase price when you exercise the option, and it is at risk if you do not complete.
Yes. Fixing the price in sterling removes most of the currency question, and we can introduce a payments provider. Identity and source-of-funds checks apply to everyone.
