Expert Guidance for Your Property Journey in the UK
Midlands · Birmingham · London
Our Services
We offer a commission-free buyer advisory service, helping you secure the right property in the UK with confidence.
01.
First Home Buyer Consultancy
Identifying schemes and properties tailored for first-time buyers.
02.
Property Investment Consultancy
Specialized expertise across prime locations in London, Birmingham and beyond.
03.
Residential Property Sales
Sales of new residential developments from the UK’s top developers, with expert guidance.
WHY CHOOSE US
We specialise in advising international clients on purchasing property in the UK. From residential homes to investment assets, we provide clear guidance on UK market dynamics, ownership structures, taxation considerations, and compliance requirements, ensuring a smooth and informed acquisition process for overseas buyers.
We provide comprehensive support throughout the entire buying journey. Our services include property sourcing, offer strategy, negotiation support, coordination with solicitors and mortgage advisors, and oversight of the conveyancing process—delivering a seamless, well-managed experience.
We provide access to carefully selected off-market property opportunities that are not publicly advertised. Through our established network of developers, landowners, and local agents, we source high-quality residential and investment assets in London, Birmingham, and across the Midlands.
Frequently Asked Questions
How can we support you?
We provide:
• Location and strategy analysis
• Mortgage broker & solicitor introductions
• First-time buyer guidance
• Investor-focused property advice
• End-to-end support for international buyers
• Honest pricing and risk assessment
Who Can Buy Property in the UK?
In the UK, almost anyone can buy property. There are no legal restrictions based on nationality.
✔ UK Citizens & Residents
• UK citizens and residents can freely buy property.
• Your visa or residency status does not prevent property ownership.
✔ International Buyers
• Foreign nationals can legally buy property in the UK.
• You do not need UK citizenship or residency.
• Buyers must complete identity and source-of-funds checks in line with UK anti-money laundering regulations.
• Mortgage availability may be more limited, and higher deposits are often required.
How does the property buying process work in the UK?
Buying a property in the UK follows a structured process and usually takes 3–6 months from offer acceptance to completion.
Key steps:
1. Budget planning & Mortgage in Principle (MIP)
You assess your budget and obtain a Mortgage in Principle from a lender.
2. Property search & making an offer
You view properties and submit an offer. At this stage, offers are not legally binding.
3. Offer accepted & appointing a solicitor
Once the seller accepts your offer, you instruct a solicitor or conveyancer.
4. Survey & legal checks
A property survey is carried out, and legal searches are completed.
5. Exchange of Contracts
Contracts are signed, and usually a 10% deposit is paid.
👉 From this point, the transaction becomes legally binding.
6. Completion
The remaining balance is paid, keys are released, and ownership is transferred to you.
How much deposit do I need?
The required deposit depends on your buyer profile:
Buyer Type Deposit Rate
First-time buyer 5% – 10%
Home mover 10% – 20%
Buy-to-let investor 25%
International buyer 20% – 25%
These figures are average and indicative only and are provided for informational purposes.
How do mortgages work in the UK?
• Most lenders offer mortgages of 4.5 – 5.5 times your annual income.
• Mortgage terms typically range from 25 to 35 years.
Common mortgage types:
• Fixed-rate: Interest rate fixed for a set period
• Variable-rate: Rate fluctuates with the market
What additional costs should I budget for?
This is one of the most overlooked aspects of buying property.
Common additional costs include:
• Stamp Duty Land Tax (SDLT)
• Solicitor / conveyancing fees
• Property survey costs
• Mortgage valuation & arrangement fees
• Moving and set-up costs
📌 A practical rule of thumb:
Budget an additional 10–15% of the property price to cover all costs.
How much Stamp Duty will I pay?
First-time buyers:
• Up to £300,000 → 0%
• £300,001 – £500,000 → 5%
Investors & second homes:
• Standard rates plus 5% surcharge
International buyers:
• An additional 2% non-resident surcharge
💡 We can calculate your exact Stamp Duty liability before you make an offer.
What Is Freehold and Leasehold?
Freehold = full ownership:
• You own the property and the land it stands on.
• Ownership is permanent.
• You are responsible for maintenance and insurance.
• Most houses in the UK are freehold.
Leasehold = Time-limited ownership:
• You own the property for a fixed period of time, not the land.
• The land and building belong to the freeholder.
• Lease terms are commonly 99 or 125 years.
• Ongoing costs may include ground rent and service charges.
• Most flats in England are leasehold.
What is a survey, and is it necessary?
A survey assesses the physical condition of the property.
• A mortgage valuation protects the lender
• A survey protects you
Surveys are strongly recommended for:
• Older properties
• Period homes (Victorian / Edwardian)
• Properties requiring renovation
👉 Skipping a survey can lead to significant unexpected repair costs.