ROE
Discount Equity
£22,500
Instant equity at 15% BMV
- Purchase price
- £150,000
- Discount %
- 15%
- Equity day one
- £22,500
The Property Couch — Hands-off UK property portfolios
Hands-off property portfolios
A specialist service for building discounted UK property portfolios.
We source freehold houses below market value, arrange mortgages up to 75% LTV, and let and manage them on your behalf. You own the freehold, receive the rental profits and build your wealth through capital growth.
£50,000
Min capital required
£100k–£500k
Sourcing range
£15k–£75k
Discounts
6%–12%
Gross yields
28 days
Completion target
The Total Returns Mindset
How to build a pension pot and generational wealth through property.
Smart investors look for discounts and growth in addition to rental yield.
The Property Couch shows investors how to focus on not only the rental returns but the total returns — including the equity created by buying at a discount and the capital growth potential by buying freehold family homes in good locations.
ROI
Return on Income
The rental profit you receive each month from tenants in your freehold home.
ROE
Return on Equity
The discount we source for you — instant equity baked in on day one.
ROC
Return on Capital
The capital growth potential of freehold family homes in strong locations.
Our approach
Built for the investor with no time to lose.
We act as your private property portfolio manager: sourcing, financing, completing, letting and managing — so you receive a hands-off and hassle-free passive income and a portfolio that compounds quietly in the background.
- 01
Discovery
We learn your goals, capital, timeframe and appetite for leverage.
- 02
Sourcing
Off-market freehold houses across the UK, below market value from motivated sellers.
- 03
Execution
Finance, legals and lettings arranged in parallel to complete in ~28 days in order to win the biggest discounts.
- 04
Management
We let, manage and report — you receive rent, statements and updates.
Everything under one roof
One service. Every part of the deal.
We offer a comprehensive service that helps busy professionals who want to start or build their property portfolio but need hands-off and hassle-free support. Whether you are novice or experienced, trying to just buy one property or your tenth, our network of professional partners can handle every moving piece, so you don't have to.
Through our strategic lettings partner we manage nearly 700 properties in the UK for investors in the UK and another 17 countries. So, wherever you are, we've got you covered.
Property Sourcing
Off-market, below-market freehold houses matched to your strategy.
Lettings & Asset Management
Tenant find, full management and ongoing portfolio performance reviews.
Mortgages
BTL and portfolio finance up to 75% LTV across UK lenders.
Bridging Loans
Fast capital for auction buys, refurbishments and chain breaks.
Solicitors
Specialist conveyancers who complete deals within 28 days.
Ltd Company Setup
SPVs structured correctly from day one for tax efficiency.
Tax Strategies
Chartered accountants to optimise income and capital gains.
Landlord Insurance
Buildings, contents and liability cover tailored to BTL.
Rent Protection
Guaranteed rent and legal cover against arrears and voids.
FX for Overseas
Competitive currency transfers for international investors.
Investment calculator
See your total returns at a glance.
Pick a purchase price and we'll model the three engines of total return — instant equity from the discount, net rental profit after costs, and projected capital growth over five years.
Drag the slider to calculate the returns based on your purchase price and how much capital you want to invest.
Capital needed to invest
£46,500
Purchase price
£150,000
Discounted price
£127,500
£100k£150k£200k£250k£300k
Total 5-year forecasted profit
£91,954
On top of initial capital invested
£46,500
For total capital returned of
£138,454
Discount Equity + Net Rental Profit + Capital Growth, on top of your Initial Capital Deployed.
ROI
Rental Profit (5 yr)
£36,956
Net after 12% mgmt & 3.99% interest
- Gross yield
- 9.00%
- Gross rent / yr
- £13,500
- Mortgage interest / yr
- −£4,489
- Net profit / yr
- £7,391
ROC
Capital Growth (5 yr)
£32,498
Compounded at 4.00% pa
- Growth rate
- 4% pa
- Value in 5 yrs
- £182,498
- Capital uplift
- £32,498
Illustrative only. Assumes interest-only mortgage at 75% LTV and 3.99% interest, 12% inc VAT lettings management fee, 15% below-market discount, capital growth of 2% pa (£100k–£150k), 4% pa (£150k–£250k) and 5% pa (over £250k), and UK stamp duty for an additional dwelling at current rates plus £1,500 legal fees. Not financial advice.
Sourcing
Where to find discounted deals.
Every below-market-value purchase begins with a motivated seller. These are the situations we look for.
Financial Distress
Re-Location
Broken Chains
Divorce
Inheritance Disposal
Short-sighted Landlord Disposal
Motivated Seller
Example deals
The types of properties we source.
BMV Family Homes in Good Locations
Entry Level & High Yield Properties
Turnkey Ready to Let Discounted Deals
Refurbishment Projects to Add Value
Request more details
Let's build something passively profitable.
Your next step
Let's re-connect and discuss your goals so we can design a tailored strategy and a shortlist of opportunities for you.
Your next step