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WE CAN HELP

GO WITH THE FLOW

Enabling people who are time poor to create financial freedom through property

Step 1

Sign up to receive our guide to investing in property through FLOW

Step 2

Once you are ready to invest, set up a call with us

Step 3

Now it’s over to us to find you a property

No one ever said
"Safe as the
Stock Market”

CLEAR AND CONCISE

We offer a hands free, property portfolio building service for those who lack the time or knowledge to do it themselves.

Our clients are usually looking to build a steady income to add to their salary and also invest their savings for the long term in bricks and mortar to give them a solid pension pot for retirement.

With our service, you’ll barely have to lift a finger.

We’ll find you a property, renovate it and introduce you to our letting agent who will find a tenant for you.

We’ll also introduce you to our team of solicitors, mortgage broker and tax adviser so that you don’t have to search for one.

We’ll even collect the keys and sort out all the utility bills to make sure the whole process takes up as little of your time as possible.

The Questions we get asked the most

Frequently Asked Questions

  • We recommend £50,000 as a minimum. This gives you enough to pay the 25% deposit required for a rental property, 3% stamp duty, solicitors’ fees, mortgage arrangement fees, our sourcing fee and any refurb costs required.
  • In the past, we have had clients use their own solicitors and brokers. What we found was that there was a communication breakdown. We have a great mortgage broker and team of solicitors that we have built a relationship with. We speak to them every week to make sure that your property is progressing, and because they know us, we don’t get any of the ‘excuses’ that these trades are often known for. By using our team, it gives us full control so that the process can run as smoothly as possible and so that you can be as hands free as possible.
  • We have a great Letting Agent who we will introduce you to towards the ned of the refurb process. They will find you a tenant, ensure you have everything you need for the tenancy agreement and communicate with us on the rare occasion there is any snagging to be done once the tenant moves in.
  • What many people don’t realise is that a rental property requires a bigger deposit than a residential home. The deposit is usually 25% but can be more depending on your circumstances. Also, don’t forget that you will need to pay stamp duty which is charged at 3%.
  • We are not accountants and as such, we recommend that you speak to your own accountant as every person varies. But in our experience, we have found that for the majority of people, buying in a Ltd company works out to me much more beneficial for tax purposes. Whilst you may pay slightly more on your mortgage interest rates (1.5% for personal name, 3.5% in a company), you can offset the full refurb against tax in the company. The mortgage is classed as an expense in a company, so you are only taxed on the profit whereas in your personal name you are taxed on the full rental income. If you are in the 40% plus tax bracket, you will be charged 40% plus on the rental income if it is in your own name whereas in a company you will be charged at the standard corporation tax rate. There are other pros and cons but as suggested, please talk this through with an accountant. If you haven’t got one that you use already, we can recommend one to you.
  • We always recommend that you do your due diligence on the properties we send you.

Due diligence is where you look at the property, what you are paying for it and the return it will give you. You check whether you believe it to be the right property and deal for you and check if it meets your criteria.

  • We charge 10% with the minimum being £500.
  • We charge £7500 per property and take the fee up front. This allocates you a space in our client list. After taking the fee, we give ourselves 4 months to find you a property. In the unlikely event that we don’t find you a property in that time, you can choose to extend the search period or have a full refund.
  • We aim to source you a property that will give you a minimum of 8% return on your investment per annum.
  • We want to provide you with a hands-free service but there are a few things we need you to do. There is paperwork to sign for the solicitor and mortgage broker, a few phone calls to be had and money to transfer to the solicitors for the purchase and to us for the refurb.

WORKING TOGETHER

Let's get the process started

Things to consider

  • How much time and effort do you want to spend investing in property? If you’d rather do as little as possible, then we are the company for you.
  • Where do you want to invest? Our Investment area is Barnsley, South Yorkshire. The houses are a great price with a really good rental demand.
  • How much money do you have to invest in property? We recommend a minimum of £40-£50,000 for our area.
  • Are there other places you can look to raise that money? ISA’s, releasing equity, pairing up with a trusted member of your family.
  • What are your long term goals? Have a think about why you want to invest in property and what you want to get out of it.

Step 1

Sign Up To Receive Our Guide To Investing In Property Through FLOW

Step 2

Once You Are Ready To Invest, Set Up A Call With Us

Step 3

Now It’s Over To Us To Find You A Property​

We Will Help You Every Step Of The Way

 

‘Don’t let time stop you from building a property portfolio’ – We will help you every step of the way

Contact Us

Based in South Yorkshire...

What we can do for you

…with our vast wealth of property knowledge, we deliver clear and concise advice, allowing you to know all the details before making a decision. Furthermore, backing that advice up with fantastic returns.

Property Advice

Friendly, free, no obligation advice on all subjects property related. We’re here to help.

Portfolio Building

We take care of everything so you can rest assured you get a 100% hands free experience.

Property Sourcing

We source property through our extensive network and marketing to supply you with investment opportunities.

Refurbishment

In conjunction with our construction partner we can refurbish a property you already own.
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"There’s no time like the present.”
Rochelle Gilburn