Supported Living Strategy Increases Rent by Over 60%

Our client was looking for an investment with strong long-term yield potential.

A 3-bedroom terraced house in Birmingham was identified as a property that could suit a supported living strategy. Rather than letting it as a standard buy-to-let, Kinetic Money advised the client on the opportunity to lease the property to a registered social housing provider.

Purchase Price: £220,000
Location: Birmingham
Property Type: 3-bedroom terraced house
Lease Type: 5-year FRI lease
Rent Achieved: £1,800 per month

After approximately £25,000 of refurbishment and specific alterations, the property was taken on a 5-year full repairing and insuring lease.

The Result

• £220,000 purchase price

• £25,000 refurbishment and alteration cost

• Typical market rent of around £1,100 per month

• Registered social housing provider secured as tenant

• 5-year FRI lease agreed

• Rent increased to £1,800 per month

• Approximately 64% uplift compared with market rent

Outcome: The client achieved a significantly stronger rental yield by adopting a supported living lease strategy rather than a conventional buy-to-let approach.

Run-Down HMO Refinance Creates High-Yield Asset with No Money Left In

Purchase Price: £200,000
Location: West Midlands
Property Type: 9-room HMO
Refinance Value: £475,000
Annual Rent: £62,000

Our client acquired a run-down 9-room HMO in the West Midlands after it failed to sell at auction.

The property already had sui generis HMO use in what is now an Article 4 area, creating a valuable opportunity for an investor who could see beyond the condition of the building.

Using additional security, we arranged bridging finance for 100% of the purchase price plus interest and fees, allowing the client to complete under auction conditions within 28 days.

Kinetic Money also helped formulate the investment strategy and prepared a lender proposal that clearly presented the strengths of the deal, including the existing HMO use, refurbishment plan, rental potential, and refinance exit.

After approximately £50,000 of works, including refurbishment and additional bathrooms, the property was refinanced within 9 months at a market value of £475,000.

The Result

• £200,000 purchase price

• 100% of purchase price, interest and fees funded

• Refurbished and improved

• Application lodged to increase from 9 to 12 letting rooms

• Refinanced at £475,000 within 9 months

• Full client cash input released

• No money left in the deal

• £62,000 annual rental income

Purchase Price: £430,000 Location: Hertfordshire Property Type: Grade II Listed Mixed-Use Building After three weeks of delays with another lender, our client faced a five-day deadline to complete the purchase of a Grade II listed property with residential planning permission. Using our specialist lender network, we quickly identified a funder whose lending criteria perfectly matched the opportunity. By presenting the case in a way that addressed the lender's key requirements from the outset, we secured funding and completed the transaction within just three days. The Result • £430,000 acquisition secured • Funding completed in just three days • Five-day deadline successfully met • Existing planning permission recognised by the lender • No formal physical valuation required • Development opportunity rescued after lender delays Outcome: Specialist lender knowledge and strategic case presentation enabled a time-critical acquisition to complete successfully when the original funding route had stalled.

Location: London Project Type: Commercial-to-Residential Conversion Our client identified an underutilised mixed-use property comprising a retail unit, vacant workshop, and upper-floor flat. Using our specialist lender relationships, we secured funding that provided: • 75% loan-to-value on acquisition • 100% of refurbishment costs funded • Competitive short-term finance tailored to the project By leveraging permitted development rights, the property was successfully transformed into a 6-bedroom HMO and a self-contained flat, significantly increasing both rental income and overall value. The Result • Specialist funding secured for a complex conversion • 75% acquisition funding • 100% refurbishment costs covered • Permitted development route utilised • Faster project delivery • Significant increase in rental income and property value Outcome: A complex commercial conversion completed successfully through specialist funding and expert project structuring.

£1.7 Million Block of Flats Acquired with Approximately £50,000 Cash Purchase Price: £1,700,000 Property Type: Freehold block of 12 flats Location: South West England Our client negotiated the purchase of a freehold block of 12 flats for £1.7 million. By identifying that the individual flats had a combined value of approximately £2.366 million, we structured a specialist funding solution using a combination of buy-to-let mortgages and short-term bridging finance. This allowed us to raise £1,677,000, enabling the client to complete the acquisition with approximately £50,000 of their own capital. The Result • £1.7 million acquisition • £1.677 million funding raised • Approximately £50,000 cash contribution • Individual unit value of £2.366 million identified • Bridging finance refinanced within three months • All 12 units now let and generating rental income Outcome: A highly leveraged acquisition that preserved capital, reduced long-term financing costs, and accelerated portfolio growth.