South Wales and the West of England
For professionals with money sitting still and no time to learn property properly. We have sourced over 100 properties in four years for people in exactly that position.
/waliur-hero.jpgTarget yields are what we aim for based on completed deals. They are not guaranteed.
You have money sitting in an account doing almost nothing, and you know it should be working.
Every time you look into property you get four contradictory answers and close the tab.
You do not have the time to learn this by making expensive mistakes. Your job and your family come first.
You are not frightened of investing. You are frightened of buying the wrong thing.
That is the position I was in for seven years, and it is exactly who this business was built for.
/__l5e/assets-v1/eaafcdca-43e0-4138-b93a-947419fa4bbb/waliur-portrait.webpThe short version
I bought my first investment property in 2013 while I was at Lloyds Banking Group. I did not know what I was looking for, I got taken advantage of by builders, and for seven years it more or less broke even.
Then in 2015 I moved to Nationwide and got talking to a bloke who told me he was leaving. I asked which bank he was going to. He said he was not going to a bank, he was retiring. He was in his mid forties, and that was the moment the penny dropped.
I spent about £40,000 on courses over the next few years and turned buying and letting into a process rather than a project. I kept my lifestyle exactly the same while my salary went from £35,000 to a six figure director role, and put every extra pound into buy to lets. I planned to be out in ten years. I was out in eight.
Recent deals
Buy to let
3 bed terrace with a loft room
Negotiated direct with the vendor. The market was asking £115,000 to £120,000. We budgeted £2,000 for works and spent £200 on a gas certificate, an electrical certificate and two screws in a door frame. A smaller house on the same street revalued at £140,000.
Buy to let
2 bed
Not an exceptional deal. This is the one we do most weeks.
Refurbishment
We expected an end value of £130,000 and the valuation came back at £150,000.
We find the property, view it in person, run the due diligence and negotiate the price before it ever reaches you. Turnkey buy to lets in South Wales, bought below market value. This is the core of the business and it is what most clients want.
The admin and the conveyancing chased on your behalf. Estate agents, solicitors and surveyors managed, with an update at every key stage.
Where a property needs work, we plan it, get the quotes and run it with contractors we use on our own portfolios.
One hour. We work out what you want your life to look like and put a monthly number on it, assess your real attitude to risk, and build your plan. There is nothing to buy on this call.
We agree exactly what we are looking for and what we are not, and you get it in writing before we start. No throwing deals at you to see what sticks.
Every property viewed in person. Due diligence done. Price agreed before it comes to you.
The full numbers, the area, the tenant demand and the exit, in one document. Come and view it if you want to. About half of our clients do not.
A written completion checklist covering everything down to the boiler and the window keys, then handover to a letting agent. Typically let within two to four weeks.
Why here
Score the UK honestly on three things. How easy it is to actually do business there, capital growth, and rental yield. South Wales comes out on top and it is not close.
But here is the part people outside Wales have missed. The South Wales Metro is a £1.2 billion rail project connecting places like Merthyr Tydfil straight into Newport and Cardiff.
If you live in London you already understand what that does. A house near a new tube station does not stay the same price for long. Same principle, three hours down the M4, at a fraction of the entry cost.
Ninety five percent of our clients live between Cardiff and London. Almost none of them are local. They just did the arithmetic.
Everything from the mortgage to the tenant runs through people we use on our own portfolios.
Buy to let lending and refinancing, part of the team rather than a referral.
Conveyancers who actually understand investment purchases and move at the right pace.
The same agents who manage our own properties in these streets.
On the ground in the valleys every week, viewing everything before you see it.
Senior DevOps engineer, Lloyds Banking Group. Ten year plan built together, first below market value property completed within fourteen weeks of our first call.
NHS nurse. Three properties, now on her fourth, inside twenty four months. The cash flow lets her work part time.
Recruitment consultant, Bristol. First property bought twenty two percent below market value, now on his third with us.
It is £4,999. It buys a property viewed in person before you ever hear about it, full due diligence written down, and the price negotiated before it reaches you, which is where most of the fee pays for itself. It also gets you a mortgage adviser, solicitors and letting agents we use ourselves. Honestly, if you have three or four years to learn this properly, do it yourself. I did. This is for people who do not.
About £40,000 all in. The hard floor is nearer £35,000, but that leaves nothing spare for the boiler that packs in the week you complete. Forty thousand covers your deposit, your fees and a sensible contingency.
Because the numbers are better and it is closer than you think. It is three hours down the M4, not five. Ninety five percent of our clients live between Cardiff and London and almost none of them are local.
We agree the scope in writing before we start so we both know what we are looking for. If we genuinely cannot find it, we will tell you rather than push you into something that does not fit.
From paying to owning is usually three to six months, most of which is conveyancing and outside anyone's control. Letting typically follows within two to four weeks of completion.
No. Around half of our clients never view theirs. We view every property in person before it reaches you and you get the full pack. If you want to come and see it, we will arrange it.
There is nothing to buy on the call. If we are not a fit, you will still leave with a clearer idea of what you should be doing than when you arrived.