Wednesbury, West Midlands
Three-bed freehold terrace
- Purchase price
- £132,500
- Estimated value
- £210,000
- Below market value
- 36.9%
Buy right, from day one
Compliance, EPC upgrades, licensing and new regulations all add cost to every property you own. The way to absorb them is to plan for them before you buy. Buy with equity already built in, and you have a cushion for whatever comes next.
We only buy one way: below market value
At Future Landlord we believe in one way of buying property. Every property we source is 20 to 30% below the sold comparables in that market at that moment in time.
Sold comparables are what similar properties nearby have actually sold for recently, not asking prices. Buying 20 to 30% below them means you own equity from the day you complete.
Example
Sold comparables£200,000
Bought at 25% below£150,000
Equity from day one£50,000
Example deals
Real deals we've sourced, with the numbers.
Kingston upon Thames, London
Leasehold studio with its own private garden
- Purchase price
- £140,000
- Estimated value
- £220,000
- Below market value
- 36.4%
Please read: figures are estimates based on information available when the deal was listed and are not guaranteed. Property values and rents can go down as well as up. Future Landlord, a trading name of MosStone Property Ltd, is not authorised or regulated by the Financial Conduct Authority, and nothing on this page is financial, investment, tax or legal advice. Property purchases are not covered by the Financial Ombudsman Service or the Financial Services Compensation Scheme. Any purchase is made entirely at your own risk: always carry out your own due diligence and take independent professional advice before committing.
Why buying right matters more than ever
Compliance is part of life as a landlord, and providing good homes means meeting every standard. Those standards come with costs, and they need to be in your numbers before you buy, not discovered afterwards.
Buying with equity already built in safeguards you against future bills, rule changes and the unexpected.
Costs to build into every deal
| Cost | Typical amount |
|---|---|
| EPC upgrades to reach C by 2030 | Up to £10,000 |
| Council licence, where required | Hundreds to £1,000+ |
| Landlord database registration | £65 a year |
| Gas safety check | £60 to £100 a year |
| Electrical inspection (EICR) | £150 to £300, every 5 years |
Typical figures for England, October 2026. Not sure where your portfolio stands? Take the free compliance check.
How to find these properties
Deals like these rarely reach the property portals. Finding them takes strong relationships with estate agents and property professionals, or someone who finds and sources them for you.
That's what we do. We specialise in sourcing below market value property nationwide, so you start on the right footing.
Many of the properties we find are already tenanted, so they're cash flowing from day one.
How it works: keep as little of your money in the deal as possible
The ideal structure for a below market value purchase. Buy quickly, refinance straight away, and leave as little of your own cash in as you can, ready for the next one.
-
1
Buy with a bridge
A short-term bridging loan of 75% up to 90% of the purchase price, arranged through specialist brokers, lets you complete quickly.
-
2
Refinance the next day
Move onto a next-day buy-to-let mortgage, which lends on today's market value with no six-month wait.
-
3
Release your cash, lock in equity
The mortgage repays the bridge and releases your cash. Because you bought below market value, the difference stays in the property as equity.
-
4
Rinse and repeat
With as little of your own cash left in the deal as possible, you're ready to buy again.
Then repeat with your next purchase, building your portfolio one well-bought property at a time.
Bridging and mortgage lending is subject to status and the lender's own valuation, which may be lower than expected, and every purchase has costs such as stamp duty, legal fees and lenders' fees. This isn't financial advice: please speak to an independent FCA-authorised mortgage broker. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Sourcing with us
- Tell us your criteriaAreas, budget, and whether you want a tenanted property or a project.
- We find and check the dealSold comparables, rent, refurbishment and compliance costs, all worked through before we bring it to you.
- You review the deal packEvery number laid out, so you can decide with your eyes wide open.
- Secure and completeWith introductions to trusted brokers and solicitors if you need them.
We don't just sell the deal, we do the whole thing
Buying with us is a hand-held experience, from your first question to the day you get the keys. We work with you and everyone involved to keep the purchase and the conveyancing moving and on time.
- Finding all the information on each property
- Answering all your questions, whenever they come up
- Supporting your fact finding and due diligence
- Guiding you from offer all the way to completion
- Putting you in touch with the right solicitors and brokers
Our sourcing fee is typically £4,000, or 2% of the purchase price for larger properties, portfolios and commercial opportunities. Every deal comes with its own quoted fee, confirmed in writing before you commit, and no VAT is added. We may receive referral fees from brokers and solicitors we introduce, and we'll always tell you who pays us and how much before you go ahead.
Trusted brokers and solicitors
Buying right also means the right team around you. We have working relationships with mortgage brokers, bridging specialists and conveyancing solicitors who understand below market value purchases and fast refinances.
- Independent, FCA-authorised mortgage and bridging brokers
- Conveyancing solicitors used to quick completions
We introduce you and don't give mortgage or legal advice ourselves. We may receive a referral fee from partners we introduce you to, and we'll always tell you who pays us and how much before you go ahead.
Tell us what you're looking for
Share your criteria and we'll send you deals that match, as we find them.