Risk & governance
The part most proposals leave until page nine
How risk is managed, how the partnership is governed, and how you get your money out.
Managing risk
Property carries risk. These are the six things we do about it.
None of this removes risk — nothing does. It is how we keep the downside survivable rather than pretending it doesn't exist.
Due diligence before every purchase
Structural, legal and financial checks on each property before commitment — and a willingness to walk away.
Conservative borrowing
Gearing is kept deliberately modest so the portfolio can absorb a downturn rather than be forced into a sale.
Professional management
Properties are managed properly — tenancies, compliance, maintenance — rather than left to run themselves.
Diversification
Exposure is spread across multiple properties so no single asset determines the outcome.
Comprehensive insurance
Buildings, liability and appropriate cover maintained across the portfolio.
Regular financial reporting
Performance is reported on a schedule, in writing — including when it is behind expectation.
Governance
Everything in writing, nothing on trust alone
Transparency is easy to claim. These are the mechanisms that make it checkable.
Written partnership agreements
Every partnership is documented in a written legal agreement before any capital moves. Nothing operates on a handshake.
Independent advice encouraged
We actively expect you to take your own legal and financial advice, and we will not ask you to proceed without it.
Annual financial statements
Prepared and shared with all partners, so portfolio performance is a matter of record rather than of assurance.
Regular investor meetings
Scheduled meetings to review performance, discuss acquisitions and answer questions directly.
A defined exit from the outset
Exit terms are agreed before investment, not negotiated when someone wants out.
Exit
How you get your money out
Agreed before you invest, not improvised when you want to leave. One or more of these routes will apply, and which ones is written into your agreement.
Sale of individual properties
Selected assets sold and proceeds distributed in line with the agreement.
Portfolio refinancing
Capital released by refinancing improved assets.
Buyout by existing partners
Remaining partners acquire the exiting partner's share.
Agreed exit at end of term
A planned exit at the conclusion of the agreed investment period.
Ask us the hard questions before the easy ones
What happens if a refurbishment overruns, if a tenant stops paying, or if values fall? We would rather answer that on the first call than the last.