Assisted Purchase Partner
A smart way to buy or remortgage when the high street says “no”. We use a company (SPV) structure so the numbers work, the rent pays first, and you still move forward.
- Buy sooner, even with credit or criteria issues.
- Keep everything legal, transparent and contract-backed.
- Built for buyers and remortgagers blocked by affordability rules.
What SPV-Assist Actually Does
SPV-Assist is for people who are good buyers on paper, but do not fit the tight rules of a high-street bank.
Common reasons:
- credit issues or past blips
- self-employed / contractor / new role
- visa status or overseas income
- strong cashflow but “not enough proof” for the underwriter
Instead of blocking you out of the market, we use a special purpose vehicle (SPV) – a simple company that buys the property and is managed by us. You provide the funds. We provide the structure, the mortgage route and the management.
Later, when you qualify for your own mortgage, we help you refinance and move the property fully into your name or your own SPV.
How We Think Differently to the High Street
Traditional Route
- Computer says “no” if you don’t fit the box.
- Little help with structure, rent or risk planning.
- If you don’t pass today, you wait – and prices move on.
Purifico SPV-Assist
- We design a structure around your real-life situation.
- Rent-first model – the property must pay its own way.
- Clear legal agreements so every role is transparent.
- Strategy for exit or refinance from day one.
Who This Service Is For
SPV-Assist is a fit if you:
- have a deposit ready but keep getting “computer says no”
- work long hours and need a partner to run the numbers and the process
- hold a public or senior role and prefer a discreet purchase route
- are on a visa or have mixed income streams
- want to remortgage but hit an affordability wall and need a partner structure
How It Works, Step by Step
We follow a clear five-step path:
- 1. Assessment. We review your goals, income, credit and timeline.
- 2. Rent Test. We run our rent test to check that the property can pay for itself: mortgage, insurance, management and a reserve buffer.
- 3. Purchase Facilitation. We use our company’s mortgage capacity to support the purchase through an SPV, with full legal paperwork.
- 4. Management & Reporting. We manage the property, collect rent and provide clear reports so you know exactly how the deal is performing.
- 5. Refinance or Exit. When you are mortgage-ready, we help you refinance into your own name/SPV, or exit in a way that protects your position.
Buying or Remortgaging
SPV-Assist can support both a new purchase and a remortgage.
- New Purchase: You’ve found the property. You can fund the deposit and fees, but the bank will not lend in your name. We use the SPV route instead.
- Remortgage: You already own a property and want to release equity, but affordability rules have tightened. We can step in as a structured partner and help move the mortgage into an SPV model that still works with the rent.
In both cases, the same rule applies: the rent must cover all monthly costs.
The Non-Negotiable Rule
Our core rule is simple and non-negotiable: the property’s rent must cover the mortgage, management, insurance and reserve.
If the numbers do not work, we will tell you “not this one” – even if it means walking away. This protects you, us and the long-term health of the portfolio.
Why This Route Matters
For many people, the high street has quietly closed the door. New rules, tick-box checks and credit scoring mean strong buyers are left renting for years.
SPV-Assist exists for those buyers. We are not here to bend the rules. We are here to design within the rules, using company structures, rent-led models and expert management so you are not frozen out of the market.
Home ownership and smart remortgaging are still possible — they just need a partner who understands both the property world and the real world.
Joint Venture SPVs (Hands-Off Investors)
SPVs are not just for assisted purchases. We also create Joint Venture SPVs for people who:
- have capital but do not want to manage builders, refurbishments or tenants
- want a partner who handles sourcing, construction, compliance and tenanting
- prefer a hands-off model with clear contracts and reporting
- accept a higher premium for a fully managed, end-to-end investment process
You bring the funds. We bring the team, builders, SPV structure and delivery. Ideal for busy professionals, overseas investors or those wanting a done-for-you route.
Ready to See If It Fits You?
Share your position and the type of property you’re looking at. We’ll run the rent test, sanity-check the deal and tell you honestly if SPV-Assist is right for you.
Want the bigger picture? Read Why Time-Poor Buyers Use Concierge Search (Kent) that researches the key reasons this approach reduces delays and fall-throughs.
SPV RENT TEST CALCULATOR
SPV-Assist Rent Test
Enter your monthly figures below to estimate the minimum rent required.
New to flats? Read Leasehold Checks for First-Time Buyers in Kent for the must-ask questions and documents to request early.
UPFRONT PLAN
Paid at completion-
Mortgage facilitation
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2-month reserve setup
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Full management
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Concierge Search (value £350/mo included)
TERM PLAN
Fixed Payments-
All Upfront Plan features
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Deferred payment flexibility
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Continuous reporting & oversight
MANAGEMENT
MONTHLY MANAGEMENT-
Property Management
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Rental Collection
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Quarterly reports
Looking for a strategic growth partner? See our Developer Strategy Partner service for independent developers. Buying quietly? Explore Discreet Acquisition. For market updates and research on independent developer partnerships, read our latest blog
STRUCTURED PURCHASE PARTNER — FAQs
SPV-Assist is a structured purchase model by Purifico Property Services that helps qualified buyers purchase property when mortgage access is limited due to credit, visa, or documentation.
Purifico temporarily uses its mortgage capacity to acquire the property, while the rent pays all monthly costs under a clear, legally documented structure.
We work with buyers who can afford the property, have a clean income history, and can evidence funds for completion and reserve.
Typical clients include professionals with overseas income, entrepreneurs, and those rebuilding credit who can manage but not yet qualify alone.
It’s not a joint venture or partnership.
SPV-Assist is a structured facilitation model — you are the beneficial owner, and Purifico acts as the Facilitator and Property Manager.
The agreement is executed as a Deed, defining contributions, rent flow, and exit options.
No. Purifico’s role is to facilitate the purchase and manage operations during the agreed term.
We hold an equitable interest protected by a Unilateral Notice (not a charge) — meaning we have a right to be repaid but no control over your ownership or sale once obligations are met.
You can:
Renew for a new period under updated terms, or
Refinance to remove Purifico from the mortgage and hold the title solely, or
Exit early under a buy-out clause once all amounts due are settled.
It’s based on the mortgage debt Purifico supports.
For example, if £74,250 is supported, the annual return is £7,425 (10%), paid monthly through rent income.
Only if a property fails the Rent Stress Test.
We only proceed where rent comfortably covers all costs — but if rent is slightly below target, you may choose to contribute a small amount (usually £150–£200 per month) to make the structure viable.
Every SPV-Assist property maintains a two-month mortgage reserve to protect payments during voids or arrears.
One month is paid on completion; the second is built up over six months.
Purifico Property Services acts as the exclusive managing agent — collecting rent, paying the mortgage, managing insurance, and reporting monthly to both parties.
This ensures full accountability and transparency.
The reserve covers short gaps.
If arrears continue, Purifico will replace the tenant and report all actions.
If shortfalls extend beyond the reserve, the client must top up payments temporarily as outlined in the Deed.
Yes. We use a Unilateral Notice instead of a restriction or charge, which keeps the structure fully compliant with lender requirements while still protecting both parties.
Yes — all clients receive independent legal advice before signing the Deed.
This ensures transparency and compliance for both parties.
Both plans include full facilitation, management, legal documentation, and the Concierge Property Search Service (normally £350/month).
That means your search strategy, viewings, negotiations, and transaction coordination are included at no extra cost.
You can exit early under the buy-out clause by settling the remaining balance of the agreed facilitation return.
All calculations are set out clearly in the Deed before signing.
Yes, but it must pass our Rent Stress Test to qualify.
Alternatively, you can use our Concierge Search Service to find and secure a property that meets all requirements.
Payments are monitored monthly.
Any delay triggers notice and an opportunity to rectify.
If unpaid after the grace period, it’s treated as an Event of Default under the Deed — allowing Purifico to recover outstanding amounts through legal channels.
It’s an internal check to ensure the projected rent covers the mortgage, management, reserve, and fixed plan payments.
We only approve properties that pass this test, ensuring the structure remains cash-flow positive and low-risk.
Yes. Our Concierge Search is bundled: strategy, shortlist, block-booked viewings, notes and negotiation. It’s how we secure terms that pass the SPV cash-flow test.
Yes—either we introduce FCA-regulated brokers/UK solicitors or coordinate with yours. All lender/solicitor disclosures are made in full.
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The property is purchased in an SPV (limited company). You’re added either pre or post-completion as a shareholder/PSC (subject to lender/solicitor approval) under the signed agreements.
Anytime: pay months left × £400 plus a reduced buy-out fee (30% in Year 1, 20% in Year 2, 10% in Year 3+). After settlement, we step back as agreed.
We may acquire your shares and remove you from the SPV. You receive a declining rebate of your Net Contribution: 50% in Year 1, 40% in Year 2, 30% in Year 3+, less any arrears/liabilities.
Lease term, ground rent, service charges, planned major works, building insurance and restrictions (pets/subletting/alterations). For houses: licensing/Article 4 as relevant.
How long does the search take?
A guided 4-week push: Week 0 DIP & brief; Week 1 shortlist & first viewings; Week 2 refine/second viewings; Week 3 offers & checks; Week 4 decision & handover.
Which areas do you cover?
Kent & South London (e.g., Maidstone, Sevenoaks, Tunbridge Wells, Canterbury, Medway, Bromley, Croydon, Greenwich).
What documents do you need from me?
ID/AML, proof/source of funds, DIP documents, deposit evidence, and any visa/credit notes for underwriting. We’ll send a checklist.
What happens in void/repair months?
We use the Reserve first. The Reserve is then refilled from surplus before fixed payments resume. If that delays fixed payments, the term may extend (or you can top-up to stay on schedule—agreed in contract).
Do you give financial or tax advice?
No. We introduce FCA-regulated brokers and UK solicitors; you should seek independent tax/accounting advice.
Refunds/cancellations?
Full refund before work begins. Once work starts (search/structuring), fees are non-refundable due to the bespoke nature; we resolve issues via revisions/updates
A guided 4-week push: Week 0 DIP & brief; Week 1 shortlist & first viewings; Week 2 refine/second viewings; Week 3 offers & checks; Week 4 decision & handover.
Full refund before work begins. Once work starts (search/structuring), fees are non-refundable due to the bespoke nature; we resolve issues via revisions/updates
We focus in the Kent & South London area (e.g., Maidstone, Sevenoaks, Tunbridge Wells, Canterbury, Medway, Bromley, Croydon, Greenwich).
However we do have other partners around the UK .
ID/AML, proof/source of funds, DIP documents, deposit evidence, and any visa/credit notes for underwriting. We’ll send a checklist.
We use the Reserve first. The Reserve is then refilled from surplus before fixed payments resume. If that delays fixed payments, the term may extend (or you can top-up to stay on schedule—agreed in contract).
Payments are monitored monthly.
Any delay triggers notice and an opportunity to rectify.
If unpaid after the grace period, it’s treated as an Event of Default under the Deed — allowing Purifico to recover outstanding amounts through legal channels.
Yes. Once your first arrangement runs smoothly, you may apply for a multi-property plan — subject to cash-flow testing and reserve adequacy.