Different to estate and letting agents

How we compare

The real cost of buying and letting a UK investment property, side by side. See our fully renovated, guaranteed houses against the open market and normal letting agents.

Compare the costs Compare the income

28 northern towns
Fully renovated
Contractually assured

Different to estate and letting agents

Open market

Renovation at your cost
Void periods and arrears
Agent fees every month
Repairs and liabilities yours

Find UK Property

Renovated before transfer
Rent always paid
One single fee of £999
Every landlord cost covered

Better than the open market

What makes Find UK Property different

Our investment model works because we move faster than the traditional process of buying and selling property. With a constantly moving pipeline of newly purchased and renovated stock, our process is unique.

Reserve & select

Reservation fixes the property price and gives certainty of ownership. Selection is easy, from detailed property sheets covering a list of suitable, renovated houses.

Facilitated buying process

Contractually assured on the property itself and on the buying process, including searches and titles — so you buy directly and get Land Registry ownership quickly.

No mortgages

Up-front mortgages add uncertainty and cause delays. Low-cost houses bought with cash, and our 2-step process, work out cheaper and quicker.

Property guarantee

Long-term property guarantees, plus detailed photography, remove the need for viewings and surveys that would otherwise delay the process.

Buy back option

If you need to resell, we will offer to buy your property back after the initial three-year period, at the full prevailing market price.

Post-purchase support

Tax filing, wills and services for non-residents. We are here for every aspect of your UK property investment.

See our process

The scale behind the pipeline

We are not a listing site passing you on to someone else. Our own teams source, buy, renovate, let and manage every property across 28 towns in the North of England — which is why we can guarantee the property, the process and the rent.

Each month we deal with

40+House purchases — we are always buying

150Properties in renovation at any time

80+Clients in our selection process

One of our own qualified electricians working on a consumer unit

Long-stay subtenants in one of our managed properties

Sourcing

Bought off market

We door-drop leaflets across 28 tried-and-tested key areas of the North, so many properties are bought directly from sellers for immediate cash — before they ever reach an estate agent.

Renovation

Our own in-house teams

We renovate fully ourselves to one set standard, with our own qualified electricians, gas safety staff and HHSRS inspectors — so quality is consistent and our costs stay low.

Management

Long-stay subtenants

We support our subtenants well so they stay long term. Long tenancies are what make guaranteed rent possible — and they protect the condition of your property.

Speak to a consultant

Total cost of ownership

Find UK Property vs estate agents

Getting a property up to a decent, rentable standard can often cost more time and money than first-time investors expect. Buying a property below market value means greater renovation costs — and that can mean lost time and money compared with purchasing our tenanted, contractually guaranteed properties.

Full comparison by starting condition

Small 2-bed (H1 unfurnished at £72,999 / 6% net rent*)Normal estate agentsFind UK Property

Condition of propertyPoorAverageGoodFully renovated

Initial agent priceThe price you actually pay for the house before any work.£49,999£59,999£69,999£72,999

Total property costEverything below added to the purchase price.£93,684£83,384£77,684£73,998

See breakdown

Renovation costs

Roof and gutters£4,000£1,800£0Included

External walls and areas£2,500£1,200£0Included

Plastering and damp courses£2,800£1,400£0Included

Electricals — all£4,000£2,000£900Included

Gas central heating and boiler£4,200£2,300£700Included

Double glazing£6,500£3,000£0Included

Kitchen fittings and plumbing£5,500£2,200£0Included

Bathroom suite and décor£4,500£2,000£0Included

Full house decoration£3,000£1,800£1,200Included

New carpets and blinds£1,600£1,500£1,300Included

Lost rent due to renovation£2,400£1,500£900£0

Legal compliance costs

Gas certificate£80£80£80Included

Electrical certificate£150£150£150Included

Smoke detectors & CO₂ alarms£150£150£150Included

HHSRS health & safety check£150£150£150Included

Other costs

Letting to a good tenant£475£475£475Included

Solicitors purchase fees£1,100£1,100£1,100Included

All other fees, e.g. Land Registry£350£350£350£999

Insurance, 1 year£230£230£230Included

Property guaranteeNot availableNot availableNot availableIncluded

Ongoing repairs guaranteeNot availableNot availableNot availableIncluded

Buying process guaranteeNot availableNot availableNot availableIncluded

Total property cost£93,684£83,384£77,684£73,998

Whatever condition of property you start with on the open market, the total cost of getting it to a good, rentable standard comes out higher than buying fully renovated and guaranteed from us.

*Unfurnished properties pay 6% net rent for 3 years, then reduce to 5% net rent. This is because they require a lower initial investment than our flexi-furnished range.

Different to letting agents

Three reasons gross rent is not what you receive

We don't quote gross rent, because it doesn't tell you how much income you will actually receive. Three things pull a management agent's gross rent below our net rent promise.

Reason 01

Rent not collected

A property will be empty at times, and tenants do not always pay. An agent will not guarantee your rental payments. We pay you rent even when the property is vacant — and renovate it back to a good, rentable standard each time it is empty.

Reason 02

Management fees

Agents take 10–15% to manage a rental, which with VAT is 12–18% of your rental income. We charge zero management fees with no hidden costs, and pay you a percentage of the property price for a minimum agreed period.

Reason 03

Running costs

Maintenance, compliance, repairs and unforeseen overheads add up quickly. We pay every cost of managing your property for as long as you are our client, and take on all landlord liabilities.

Net rent, not gross rent

What actually reaches you over ten years

The same house, let three ways through an agent and once through us. Agents quote a higher headline rent, then every fee, void, repair and tenant loss comes off it.

10-year net rental income by management quality

Small 2-bed (H1 flexi-furnished at £79,999 / 7% net rent)Normal letting agentsFind UK Property

Management qualityPoorAverageGoodGuaranteed rent

10-year net rental incomeWhat actually reaches you after every cost over ten years.£26,255£36,000£44,730£54,999

See breakdown

Gross rent over 10 years

Maximum possible gross rent£65,000£65,000£65,000£55,999

Fees and compliance

Management fees£5,200£7,800£9,750£0

Council licensing fees, 10 years£1,000£1,000£1,000Included

Annual gas certificates, 10 years£800£800£800Included

Electrical certificates, 5-yearly£300£300£300Included

Finding tenant fees£2,700£1,080£540Included

Annual tenancy renewal fee × 5£495£495£495Included

Tenant and void losses

Cost of void periods£6,500£3,250£1,085Included

Tenant not paying (estimate)£4,800£3,250£0£0

Tenant damage£3,250£1,625£800Included

Tenant eviction and court costs£2,200£1,100£0Included

Property upkeep

Repairs over 10 years£9,000£6,000£3,500Included

Insurance over 10 yearsAround £100 a year with us; £200–£250 a year through an agent.£2,500£2,300£2,000£1,000

Total 10-year costs£38,745£29,000£20,270£1,000

10-year net rental income£26,255£36,000£44,730£54,999

Letting agents quote a higher headline rent, then every fee, void, repair and tenant loss comes off it. Our rent is lower on paper and higher in your pocket — and it is guaranteed whether or not the property is let.

Total 10-year return on investment

Small 2-bed (H1 flexi-furnished at £79,999 / 7% net rent)Normal letting agentsFind UK Property

Management qualityPoorAverageGoodGuaranteed rent

10-year net rental income£26,255£36,000£44,730£54,999

10-year capital growth*£60,000£60,000£60,000£60,000

Total 10-year profit£86,255£96,000£104,730£114,999

Total investment cost£93,684£83,384£77,684£80,998

Return over 10 years92.1%115.1%134.8%142.0%

Average return per year9.2%11.5%13.5%14.2%

*Capital growth is an estimate based on historical data, and is the same whoever manages the property. The difference in return comes entirely from what the property earns you after costs.

Enquire now

No need for management agents

We do everything for you

Step 01

You retain full management control

You keep management control and full ownership — you simply rent the property directly to us.

Step 02

We become your tenant

We become your tenant, so you always get paid. We then sublet the property to our own subtenants.

Step 03

We manage the subtenants

You never need to worry about the tenant or the maintenance of the property.

Step 04

You are free to cancel

Cancel any time with the required notice period. We move the subtenant to another property.

How our model differs from a normal agent

Why our costs stay low

The way we manage and look after our clients' properties keeps overall costs low, because we do everything ourselves and treat these properties like our own. Because we purchase the properties ourselves and renovate them well up front, ongoing maintenance and repair costs to us are low — while the value to our clients is very high.

How we make a profit compared with a letting agent

A standard agent's trading model is based on increasing the costs to the owner, because their profit is partly linked to it — they make more money from higher maintenance costs and more re-lets. Our model is based on renting the property from you, treating it like our own and minimising our own costs, by supporting our subtenants well so they stay long term.

Over 70% of our business every month comes from existing clients or their relatives, friends and contacts. We make our profit in three ways:

1. Renovation margin

We buy well and below market — many properties are purchased direct from sellers before they go to an estate agent. We regularly door-drop leaflets in every house across 28 tried-and-tested key areas of the North, encouraging sellers to sell directly to us quickly for immediate cash payment. That saves the seller agent costs, lets them sell quickly, and means we buy cheaper. We then renovate fully ourselves, make sure the property is compliant, and rent it out. Our buying power and our own staff create savings, so we make a profit while still delivering value.

2. We pay you a fair rent, and get more from our subtenants

If we do our job well — good tenants, properties rented out all the time — we achieve higher rents from our subtenants than the net rent we pay you. That covers our costs and leaves a margin.

3. Keeping costs low

We are efficient and save on costs in five areas:

No time or admin spent in constant liaison with owners — as landlord to our subtenants, we take all tenant and maintenance decisions ourselves.
No unnecessary repairs. Other letting agents earn commission on repairs done on your behalf, so it is in their interest to increase them. It is in ours to keep the property well maintained, always rented and fully compliant at minimum cost.
Rent paid quarterly, reducing admin costs and bank transfer fees.
Qualified electricians, gas safety staff and HHSRS-qualified inspectors in house, rather than external contractors at extra cost.
Most business comes from referrals and repeat clients, so marketing costs are very low.

Simple. Transparent. Honest.

No hidden costs, ever

One price, one rent, one set of guarantees. Everything you pay and everything you receive is set out in writing before you commit.

£200m+Rental property value

2,500+Properties managed

18+Years established

1,200+Multi-owner clients

Simple

One all-in purchase price
No mortgage, no chain, no delays
Renovated and let before you own it
Rent paid quarterly, on a fixed date

Transparent

Every cost shown in the tables above
20+ page property sheet before you select
Contract drafted before you reserve
Net rent quoted, never gross

Honest

No management fees, no hidden charges
We tell you what we make and how
Over 70% of business from existing clients
Money back guarantee if we cannot deliver

What you pay

Every cost, up front

Five lines, all of them fixed or published up front. There is nothing else to pay — no management fees, no maintenance bills, no compliance charges, no re-letting fees.

CostDetail

£3,000Reservation feeOne off. Deducted from property price.

£999Purchase costOne off. Includes solicitor fees, search fees, Land Registry fees and 1st year insurance.

£72,999 – £128,999Property priceOne off. Varies on property type.

£99 – £149InsuranceAnnual, year 2 onwards.

5%Stamp dutyUnless first property (+2% for non-residents).

View property types Speak to a consultant

Guaranteed

Guarantees you cannot get on the open market

Guaranteed

Four written guarantees

Property guarantee — condition and long-term repairs
Buying process guarantee — searches, titles and legals
Rent guarantee — paid whether or not the property is let
Money back guarantee — if we cannot deliver

Established

A long-term partner, not a one-off sale

We are still your point of contact ten years after completion — because we are your tenant, not your agent. That alignment is what keeps our costs down and your property in good condition.

If you need to exit, we will offer to buy your property back after the initial three-year period at the full prevailing market price.

Enquire now

Facilitated buying process

Choose your property type

Eight house types from £72,999, all fully renovated, let and guaranteed. Browse the range, then see exactly how the buying process works from first enquiry to Land Registry ownership.