What We Do
Portfolio Builder
Portfolio Builder
What we do?
When we take on a new client, we always take the time to make sure our service is right for them. We will discuss your goals and help formulate your criteria before producing your customised Wealth Building Blueprint.
We will then begin building your portfolio and take care of everything for you. We will Source, Execute and Manage your investments.
“We do all the heavy lifting, so you don’t have to”
Max Scott, Founder
Why Everyone Should invest
If you need to exchange your time for money, you are still in ‘the rat race’ meaning you are vulnerable to the potential of losing your ability to earn, however unlikely.
No matter how Rich you are and how much you earn, you are only Wealthy once your passive income exceeds your living expenses.
Being an investor also stops you from feeling an urge to wastefully spend the money in your bank as well as helping you feel like you are continually getting wealthier and moving forward.
Why Invest In Property
Of the major asset classes in the UK, we firmly believe the best way to safely and steadily build generational wealth, is through the ownership of property. Max is currently putting the finishing touches to his book on this topic, which will be available shortly.
The below table compares the most popular investments in the UK. Property is the only asset class that ticks all 5 boxes.
| Asset Class | Income | Capital Growth/Inflation | Stability | Compounding | Leverage |
| Property | |||||
| Stocks and Shares | |||||
| Bonds | |||||
| Cash and Cash equivalents | |||||
| Commodities |
Why Uses Us
Guaranteed Rent
Guaranteed Rent
What it is not?
Guaranteed Rent commonly comes in a few forms.
Supported Living guaranteed rent
The type of Guaranteed Rent that we specialise in takes the existing property in its current form, most often a block of flats or an HMO. We then find a social service provider such as a, Charity, Housing Association, Registered Provider, Community Interest Company or Private Company.
That provider will house a niche demographic of clients, generally someone that would struggle to walk into a letting agency and be housed, such as people with; Learning Disabilities, Mental Health challenges, those in Recovery, Young Adults, Asylum Seekers, Domestic abuse victims, Temporary accommodation or those in threat of becoming homeless and so on.
What are the benefits of Guaranteed Rent?
The main benefits of guaranteed rent are the 1) Net returns and 2) Scalability / Ease of management/ Time.
Letting residential property comes with its fair share of expenses, most commonly, insurance, management, maintenance and damage, as well as voids. Commercial property however is most commonly let on FRI leases, FRI stands for fully repairing and insuring, meaning that while the lease is active the landlord shouldn’t in theory incur any costs.
Typically, our Guaranteed Rent opportunities are a blend of the traditional residential and commercial options, termed IRL or Internal Repairing Lease. These generally leave the insurance and structural repairs (such as the roof, boiler and electrics) as the Landlords responsibility.
For most property investors, they make their money when they buy, and want to spend their focus, time and energy on growing their portfolio. This is hard to do if you are running around dealing with all the typical landlord issues.
Having one tenant who is responsible for the property means you only need to monitor them. This frees up huge amounts of time.
| Commercial FRI lease | Residential Tenancy | Guaranteed Rent Residential IRL | ||||
| Rent | £100,000 | £100,000 | £100,000 | |||
| Deductions | ||||||
| Management | 0% | 15% (10% + VAT + fees) | £15,000 | 0% | ||
| Maintenance & insurance | 0% | 15% + | £15,000 | 5% | £5,000 | |
| Voids | 0% | 7% | £7,000 | 0% | ||
| Total | 0% | 37% | £37,000 | 5% | £5,000 | |
| Net Rent | £100,000 | £63,000 | £95,000 | |||
| Uplift required to hit 100% | 0% | 58.73% | 5.26% | |||
| Estimated saving using IRL lease | £ 32,000 51% |
|||||
How can providers Guarantee my Rent?
The clients are people who have slipped through the net and a letting agency would be unable or unwilling to help. That provider will be paid a premium to look after those tenants and that premium normally includes an allowance for; rent, voids, management, maintenance, damage and support.
The provider simply passes on to the landlord part of the allowance they receive, in particular the rent, management, voids, maintenance and damage.
Things to be careful of
With any contract you sign you are relying on the strength of; the contract clauses, the provider themselves and their source of funding. All three are incredibly important to ensure the success of Guaranteed Rent on your property.
It is important to also be aware that your insurance and mortgage are also likely to be impacted.
How we can help you
If you are an investor and like the idea of building your portfolio with guaranteed rent, then book in a call and we will talk though your current position and goals. We will then formulate a strategy with you and begin sourcing and executing properties in line with your plan.
If you are a provider, please get in touch and let us know about yourselves, what type of property you require, in which areas and how much you can pay.
If you have a property that you would like to rent on guaranteed rent, let us know the details of the property and what rent you are looking for.
If you need help with your Mortgage insurance policy because you now have Guaranteed Rent in place, provide us with details of the type of guaranteed rent you have in place and property details.
