SPV - ASSISTED PURCHASE: GET ON THE PROPERTY LADDER 2025
If you can fund a deposit but standard routes keep saying “not yet,” an SPV-assisted purchase can bridge the gap. We buy via a limited company, add you post-completion (subject to lender/solicitor approval), and run the asset with 7% management, a 2× mortgage reserve, and clear exit options.
Because we include Concierge Search, you’re not hunting alone—we map areas, block-book viewings, run leasehold checks, and negotiate with the numbers in mind giving you a seamless turn key investment to get you onto the property ladder as your strategic joint venture partner.
Who this helps (real use cases)
- Credit blips or thin UK file, but strong income and deposit
- Visa/residency constraints where a company route is cleaner
- Time-poor professionals who need end-to-end help (search + structure)
- Privacy-sensitive buyers who want controlled disclosure
How SPV-Assist works (simplified)
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Mortgage-ready fast-track (DIP) and disclosure plan with broker/solicitor.
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Concierge Search included: strategy, shortlist, comps, viewings, live guidance.
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Offer & negotiation with a credibility pack (DIP, funds, timeline).
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Company purchase (SPV), you’re added post-completion (per lender policy).
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Monthly waterfall: Rent → Mortgage → Statutory → 7% management → Reserve top-up → Fixed plan → Surplus.
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Two ways to pay: Upfront £17,500 (cheapest) or £400 × 48 (subject to approval).
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Clear exits: buy-out (months left × £400 + 30/20/10% fee) or pull-out (declining rebate of Net Contribution 50/40/30).
The rent test (our gatekeeper)
We only proceed if projected Rent ≥ Mortgage + Statutory + 7% mgmt + Reserve top-up + Fixed amount (£400).
This keeps the mortgage safe and your case sustainable.
What you actually receive
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Search Strategy PDF and area/streets map
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Deal scorecards (price fairness, rent estimate, net yield, red flags)
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Viewing notes pack and run-sheet
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Offer pack (DIP, funds, timeline, rationale)
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Weekly progress email (actions, blockers, next steps)
Why this beats “going it alone”
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Access: DIP + organised pack = more viewings and better slots
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Fewer surprises: early leasehold/admin checks
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Aligned incentives: we negotiate like owners—your best price/terms help the model work
Common pitfalls for first-time buyers
Focusing on sale price, not total annual cost (ground rent + service charges).
Ignoring major works that hit in year 1–2.
Not checking letting or pet clauses until after offer accepted.
Discovering short lease issues after mortgage application starts.
How our Concierge service helps
Mortgage-ready first (DIP): agents prioritise viewings when your finance is pre-checked.
Upfront questions: we ask for lease term, charges and major works before you fall in love with a flat.
Viewing momentum: block bookings around your schedule, structured notes, agent follow-up.
Coordination to completion (add-on): liaise with broker/solicitor, chase the management pack, and keep milestones moving.
Related services
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PV-Assist (includes Concierge Search) →
/services/structured-purchase-partner-spv-assist/ -
Concierge Property Search →
/services/concierge-property-search-kent/
Ready to grow your portfolio and attract investors? Get your own personal Developer Growth Partner
Yes—strategy, shortlist, viewings, notes, negotiation.
Yes, or we introduce vetted partners. Full disclosure throughout.
Live call guidance on all; add-on includes one attended second viewing.
We use the Reserve first; it’s refilled before fixed payments resume.
