Pay for one house
Up to 64% off another
Buy one Flexi-Furnished house now and let the rent pay towards a 2nd property in five years’ time.
Buy one house now, pay for the second in five years’ time.
A large discount on the second house, fixed at today’s prices.
Future rent pays towards the discount, you get more property instead of income.
After 5 years, 7% rent on two houses for around the price of one and a half.
available 2-House NOW Own both houses from day one See how it works
Re-invest the rent
Not the income
Perfect if you don’t need the income right now. Build your portfolio by re-investing the rent instead. We keep the rent for five years and it funds the discount on your second house.
- 1.Get two houses and pay for only one now
- 2.Build the discount on the second property at 8% a year, tax free
- 3.Pay from 36% of your second house price in five years
- 4.We keep the rent for five years to fund the discount
- 5.Then earn 8.5–9.3% net on your overall investment
- 6.Plus capital growth on both properties
2 House Offer calculator
Build your package
Your 1st house is an H5 or above. It builds the discount at 8% a year for five years, which comes off the price of your 2nd house.
H5 or above. Its list price sets the discount you build at 8% a year, tax free.
Paid at the end of your no-rent period, after the discount is deducted.
Two houses, one payment for now. Pick your pair above and we’ll work out the discount, what you pay and what you earn.
built
8% a year of the 1st house price, tax free
for the 2nd house
invested
Two Freehold houses owned outright
from year 6
Want to earn rent sooner? Choose a no-rent period to suit your own timeline and budget. Shorter means rent starts sooner, but you build a smaller discount on your 2nd house.
Figures exclude stamp duty and assume standard North East pricing with 7% net rent. The offer is limited to one per client. Purchase costs of £999 per property apply.
What you pay and when
Every figure in your package is written into the contract before you commit: prices, discount and rent.
Two reservation fees secure the pricing on both properties.
You own the first house outright and we take over as tenant.
Your rent stays with us and builds the discount at 8% a year, tax free.
Pay for house 2 at the reduced price and take 7% net rent on both.
Pay early if you prefer. The second house can be bought any time between years one and five, with the discount reduced proportionally. Excludes stamp duty and £999 purchase costs per property.
New option
2-House NOW
Own both from day one
Prefer not to wait five years for the second property? With 2-House NOW you pay for both houses upfront and the discount is applied to the second house straight away. Each house can be any type from H2 up.
You become the legal owner of both properties from the start, no need to wait 5 years for the second property.
House 1 builds the same 8% a year for your chosen no-rent period, and the full amount comes off House 2 on day one.
Choose the length to suit you. A longer period builds a bigger discount; a shorter one starts the rent sooner.
H1 is not available on this option. Stamp duty and purchase costs are payable on each completion.
House 1 is a H7 2-Bed Semi, House 2 a H2 Standard 2-Bed. Both bought now.
HOUSE 1 · H72-Bed Semi£117,999
HOUSE 2 · H2Standard 2-Bed£87,9998% a year of the H7 list price for five years, tax free
53.6% off the H2 list price
Two Freehold houses, both in your name now
7% on both houses from year 6, rising each year
Figures exclude stamp duty and £999 purchase costs per property, and assume standard North East pricing with 7% net rent. Shorter no-rent periods reduce the discount proportionally.
Tomorrow’s prices
Fixed today
Your second house is priced at today’s level for the whole five-year term, so any growth over the period is yours, not ours. Compare all eight investment property types or see the 2-Step Solution.
Prices normally increase by around this much over such a period. Reap the benefit.
Your price is fixed at the lower level for the whole of the time range.
The offer is limited to one per client, so pricing cannot be stacked.
The 2 House Offer
Answered
The detail behind the deal: which property types qualify, when you can pay, and how stamp duty and reservation fees work.
Does this apply to any properties in your range?+
The second property can be any of the property types in our Flexi-Furnished range (H1 through to H8). The first property must be an H5 or above. The example above uses an H5 for the first property and an H1 for the second, over a period of five years.
Can I pay for the 2nd property before 5 years?+
Yes, you can pay for the second property any time between one and five years. The discount on the second property price is simply reduced accordingly. For example, if you make the second purchase half way through the five-year period, the discount will be half of the amount quoted.
How many reservation fees do I pay?+
You pay the reservation fee on each property up front, one for each property. This secures the pricing on both properties.
Is there any advantage in paying for my 2nd property early?+
If you need the rental income then that would be a good reason to pay early, as you start to receive rent from this point onwards. If you do not need the income before five years, there is less benefit in paying early: the discount is worth 8% a year, more than the 7% rent you would have received, and there is no tax to pay on the discount, whereas rental income is subject to income tax.
What about Stamp Duty?+
In the example above there is no stamp duty to pay on the second property, as the discounted price is below the threshold. If this is your first UK property then there is no stamp duty on the first property either. If you already own UK property then the first property is subject to stamp duty.
Can I change the 2nd property type in 5 years?+
Yes, you can change the second property type when you come to purchase it in five years’ time, or before if you decide to do it sooner. H1 is the default, but this can be changed depending on your needs.
Two houses
One payment for now
Want to see the figures for other property types? Our team can tailor a package to suit your needs and discuss the benefits in more detail.