FAQ

Questions, answered where they are asked.

If yours is not here, call the desk you need: the numbers are in the footer and a person answers them.

The business

What does BelleVille actually do?

Four things. We source property and land, we connect buyers and developers with lenders, we contract and manage development, and we sell, rent, lease and flip property. Residential and commercial. Sourcing, finance, development and transactions all run both here and internationally, with a named local contractor appointed in each market abroad.

Do I have to use all four services?

No. Any client can take one service and go elsewhere for the rest, at the same price. We never bundle-lock. Most people start with one and come back for the next because the numbers carry across.

Are you an estate agent, a lender, or a builder?

We are not an estate agent: sales and lettings are provided by specialised agency partners we collaborate with. We are a main contractor on the building side. We are not a lender and we are not a fund: we introduce you to lenders and, on structured purchases, acquisition capital is provided by independent capital partners subject to their own approval.

Buying

What is a structured purchase?

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.

Do I need mortgage approval before I apply?

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.

How much is the down payment?

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.

Can international buyers apply?

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.

Selling

How does selling to you work?

Two routes. We buy or place the property on a structured purchase, where the price is agreed at the start and the buyer is committed; or a specialised agency partner we collaborate with sells it in the open market. We will tell you which is likely to net you more before you choose.

Will a cash or structured sale be below open market value?

Usually, yes. A sale that completes on a date you choose, without a chain or a mortgage condition, is worth paying for and the discount is what pays for it. We show you both numbers so the choice is yours.

Building

Is your build price the price I actually pay?

That is the standard we hold ourselves to and we measure it on every job: our refurbishment figure at appraisal against our own tender, target within 8%. We work open book, at trade prices, with the procurement margin stated as a percentage before the first order.

Can you manage a project if I already have a contractor?

Yes. You hold the trade contracts and we run procurement, programme and cost control. It prices below full contractor delivery because you are carrying the contract risk.

Process

How long does qualification take?

The form takes about two minutes and you get an answer on the screen. A person calls you back within two working hours, Monday to Friday.

What documents will I need?

Identification, proof of address, and evidence of funds or income appropriate to the route you are taking. Company documents where you are buying through a company. We ask for them once and we tell you why each one is needed.

Do you give legal, tax or financial advice?

No. We are not a law firm, a tax adviser or a financial adviser. Take independent advice on any agreement before you sign it. We will send the paperwork to your solicitor and answer their questions directly.