Our Process

We firmly believe that advice should be bespoke to the individual and never ‘off-the-shelf’. There is no one size fits all solution to achieving financial goals as everybody has different preferences that need to be respected.

When we look at property investment opportunities for our clients, we start by looking at 3 key areas. These areas form the basis of our advice. They are:

The market

Socio economics & population

Socioeconomics (also known as social economics) is the social science that studies how economic activity affects and is shaped by social processes. When it comes to property, socioeconomic factors play a big part in determining whether or not it makes sense to invest in an area.

Supply & demand equilibrium

The result of the interaction between consumers and producers in a competitive market determines ‘supply and demand equilibrium’, price and quantity. Market forces tend to drop the price if the quantity supplied exceeds quantity demanded and prices rise if quantity demanded exceeds quantity supplied. Local population makes or breaks areas when picking investment ‘hotspots’. There needs to be strong long-term demand.  When looking at investment hotspots we look for a ‘constriction in supply’ and sustained long term demand’. This leads to property prices and rents increasing over the medium to long term.


Be it HS2 or Crossrail, infrastructure has the ability to move property prices unlike much else. When we look at a location, we want to see strong infrastructure at its core. This in turn leads to strong demand from both tenants and buyers. It also gives confidence when thinking about a strong resell market.


Governments come and go leaving their own impact on both the housing market and the country as a whole. We take a keen interest in political changes that may cause disruption so we can keep our clients ahead of the curve. We look at how any changes will affect the market as a whole and our clients on an individual basis. We then advise on the best ways to mitigate any adverse situations or take advantage of any opportunities.

The property


Location, Location, Location. The difference between a good investment property and a bad one can often be diagnosed as poor location choice. As mentioned above, we look at a host of factors when determining strong demand locations for the long term.


Unlike the equity markets which are known as ‘perfect markets’ that self-correct pricing errors, the property market is known as an ‘imperfect market’, meaning you can pay over or under the market value of a property. For this reason, we continually analyse property prices all over the UK and globally. 


Not all properties are built equal. Some may have structural faults or a poor finish that could require significant investment to correct. We only recommend quality, well-built real estate for our clients, which often comes with a range of guarantees for peace of mind.



Like any investment class it is important to get a respectable yield from assets you hold. Property yields tend to be strong and are produce strong cashflow especially when leverage is used alongside interest only lending.

Market growth

By taking the time to make sure the ‘Market’ and ‘Property’ (above) are right, we can be quietly confident that the investment will grow strongly over the medium to long term. Leverage can magnify these gains.


No other ‘retail’ investment class allows investors to leverage their position in the same way as property. Leveraging your capital by securing a mortgage against the property enables you to achieve returns that would require a much higher level of personal funding with other investment classes. The use of a mortgage acts like a magnifying glass: as the market moves upwards, your potential returns are multiplied.


Taxes may be as certain as death, but with the right advice property investment can be much more tax efficient than you may think. We often advise clients on the best legal structure for tax efficiency.