STRUCTURED PURCHASE PARTNER (SPV) - KENT AND SOUTH LONDON
SPV-Assist is a structured purchase model operated by Purifico Property Services. We help qualified clients purchase property when credit, documentation, or timing prevents them from securing a mortgage on their own.
Purifico acts as the Purchase Facilitator — temporarily using our credit and mortgage capacity to support your acquisition — while our Management Division oversees rent, payments, and compliance.
Every arrangement is built around transparency, accountability, and risk protection — with a fixed annual return structure, managed reserve, and full legal documentation.
The key principle is simple:
The rent must pay for the property.
We only proceed where the property’s rental income can cover all monthly obligations — the mortgage, management, and return — without client top-ups.
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.
WHO THIS SERVICE IS FOR
Deposit-Ready, Blocked by Criteria
Privacy-Sensitive or Senior Public Roles
Time-Poor Buyers/Investors
PAYMENT STRUCTURE
SPV-Assist isn’t a loan or a partnership.
It’s a structured, mortgage-backed co-purchase that runs on one transparent formula:
Purifico supports the purchase through our mortgage capacity.
The property’s rent covers all monthly costs — including a fixed 10% annual return on the supported mortgage.
Only if the property’s rent falls short in our testing phase does the client have the option to make a small contribution to qualify for the programme.
Example (Standard Model):
Mortgage supported: £74,250
Fixed return: 10% per annum (£7,425 per year)
Term: 5 years
Total return: £37,125
This amount is covered through rental income, managed directly by Purifico — ensuring the mortgage, insurance, and management are all paid first each month.
RESERVE POLICY
Reserve (Protection Pot). We hold a ring-fenced Reserve equal to 2× the monthly mortgage to cover voids/repairs so mortgage and statutory outgoings are always paid first.
To protect all parties, each property must maintain a two-month mortgage reserve.
1 month paid on completion.
1 month built gradually over the first 6 months.
This buffer ensures that if a tenant misses a payment or there’s a vacancy, the mortgage and return remain uninterrupted.
The reserve is held in a managed client account and used only for mortgage or essential costs.
Use & Refill: If Reserve is used, it is refilled from monthly surplus before any Fixed Plan payment.
📊 Monthly Cash Priority
1. Mortgage Payment
2. Management & Insurance
3. Facilitators Fixed Return 10%
4. Management Fee 7 %
5. Reserve top-up (if below target)
6. Surplus retained for the client
This structure ensures stability, transparency, and long-term sustainability.
SPV RENT TEST CALCULATOR
SPV-Assist Rent Test
Enter your monthly figures below to estimate the minimum rent required.
⚙️ How It Works
We review your position and goals to confirm eligibility and affordability.
We test the rental potential of shortlisted properties to ensure they cover all costs — including our fixed return.Accordion Content
Once approved, Purifico completes the purchase using its mortgage capacity.
A legal Deed (Assisted Purchase Agreement) protects both parties.
Purifico’s Management Division handles rent, payments, reporting, and reserve management.
At the end of the mortgage term, you can refinance or renew the arrangement under fresh terms.
A tailored, four-week search and transaction service for serious buyers.
We handle everything from strategy to keys-in-hand:
Define your objectives, location filters, and ideal rental profile.
We help you prepare and secure your mortgage approval pathway.
We shortlist properties that pass our rent stress test and organise efficient, diary-aligned viewing days.
We liaise with agents, lenders, and solicitors to keep your transaction on track.
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
4 week SPV service
Structure & Mortgage-Ready: SPV brief, KYC/AML, broker engaged for DIP, lender/solicitor disclosures agreed.
Strategy & Shortlist: target areas, yield band, cash-flow model; top 5–10 properties selected.
Viewings & Notes: block-booked run, live guidance, notes/photos; shortlist refined.
Offer & Checks: comps-backed offer, leasehold/admin questions, negotiation on terms that fit the waterfall.
Decision & Handover: accept/decline; (optional) add transaction coordination to manage to keys.
benefits you will notice
Get on the Ladder (Even with Hurdles)
Speed & Certainty to Completion
Cash-Flow First, Stress Last
Simple pricing: Upfront 7% or 10% term plan.
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
💬 Still Have Questions?
📅 Book a Consultation to discuss your eligibility, target areas, and next available SPV-Assist properties.
get started
Secure your property with a structure that works — where the rent pays first, and ownership follows safely.
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.