Frequently Asked Questions

• Third-Party Valuations: Each deal includes an independent appraisal by a local estate agent, giving you confidence in the property’s value before committing.

• Pre-Completed RICS Surveys: In many cases, a RICS survey may already be available, saving you time and cost before moving forward.

• Access to Expert Brokers: We connect you with our trusted network of mortgage brokers who specialise in bridging finance and buy-to-let products. They can provide tailored financial breakdowns to help you assess each opportunity.

• Verified BMV Properties: Majority of the properties we source is below market value and thoroughly vetted through a due diligence process that mirrors how we assess purchases for our own portfolio.

A Few Things to Keep in Mind:

• Faster Timeframes: Speed is essential. Investors need to be ready to move quickly and have finances and legal instructions in place to secure the deal.

• Reservation Fee Required: We do ask for a reservation fee upfront. This commitment ensures we can work with serious buyers who are aligned with the quick timeframes required by motivated sellers.

It’s straightforward.

Get in touch with us to discuss your investment goals, and we’ll enrol you into our exclusive investor database.

As a member, you’ll gain priority access to our latest Below Market Value (BMV) property opportunities, along with expert insights and tailored advice to support your investment journey.

Membership is completely free, so there’s nothing holding you back from taking the next step toward building your portfolio.

Click here to enrol.

When you purchase a Below Market Value property through KIR Property Group, you’ll gain access to a diverse portfolio of investment options. From residential homes ideal for buy-to-let or flipping, to commercial properties and HMOs near thriving university hubs — we’re confident we have something that aligns with your strategy.

Want to see what’s currently available? Get in touch with our team today — we’re just a phone call away.

We understand that placing your trust in a property sourcing company can feel daunting—especially when traditional processes like valuations, searches, and surveys may not be possible upfront.

At KIR Property Group, transparency and due diligence are at the heart of everything we do. As proud members of The Property Redress Scheme, we adhere to strict professional standards and conduct thorough assessments on every property we source—always with the same care and scrutiny as if we were purchasing it ourselves.

But don’t just take our word for it—get to know us. We’re a team of experienced property professionals dedicated to helping you secure genuinely worthwhile investment opportunities. Our goal isn’t just to close one deal with you—it’s to build a long-term relationship based on trust, success, and mutual growth.

Let’s invest in success, together.

We encourage you to review the figures independently and decide if the investment aligns with your goals. However, if you need any assistance or would like to discuss the details, we're happy to explain how we arrived at our numbers. Just give us a call!

Maybe. The properties are often tenanted or occupied which adds a significant barrier and would slow the sale down significantly, as viewings are seen as a disruption a lot of the time. When we package a deal up, the seller or tenant at this point has had a number of appointments already – we offer the most up to date photos, floor plan, street view and occasionally have a video walk through and often RICs surveys are available to account for this. However we may be able to facilitate a viewing, depending on the property.

We ask the seller a series of detailed questions on this topic, and in most cases, we arrange for independent photos and videos to be taken. We also frequently commission a RICS survey. Additionally, our Regional Managers may inspect the property, and if we identify any issues, they will be disclosed in the property deal brochure. If significant repairs are needed, we will factor these costs into the pricing. Generally, if we uncover major issues, we will not send the property to you.

Our brochures, sent via email, include a comprehensive overview of each property. However, if you’re looking for more detail, our team is readily available to provide estate agent appraisals, RICS reports, additional photos, or in-depth comparable research. We can also liaise directly with the vendor to get answers to any specific questions you may have.

We know our property brochures can feel information-heavy, especially if you're just starting out with investment properties. To make things easier, we’ve created a simple glossary to help you understand the key terms and how we calculate them:

• Market Value / GDV – This reflects the estimated value of the property either in its current condition or after refurbishment. It’s determined using desktop research by our experienced underwriting team.

• Discount – The percentage reduction based on the market value of the property.

• Purchase Price – The actual price you'll pay for the property, which is also used to calculate the sourcing fee.

• Gross Rental – The rental income the property is currently generating or expected to generate.

• Yield – A measure of return, calculated by dividing annual rental income by the property’s value.

• Cash Needed – An estimate of your total upfront costs, including stamp duty, solicitor and broker fees, and deposit.

• Out – The amount we estimate you could release through refinancing after purchase and any necessary works.

• Left In – The remaining capital you would need to keep in the deal after refinancing.

• Return on Cash Employed – A profitability ratio that shows how efficiently your capital is working in the deal. It helps give a clear picture of the expected return on your investment.

Each brochure also features a financial summary box tailored to current market conditions. This includes estimated costs and ROI projections based on a buy-and-refinance model, with mortgage rates that reflect the latest economic environment.

And remember — if any of it still feels unclear or you’d just like to chat it through, our team is always available to help. Just give us a call.

While our brochures list set prices, we’re always open to offers. If there’s a deal you’re interested in, feel free to put forward a figure — we’re happy to see what can be negotiated. So yes, absolutely!

Due to the way we secure our property deals, we must provide sellers with a fast and hassle-free sale. If a bid is accepted but the buyer withdraws, it can result in the loss of that opportunity entirely. That’s why we prioritise working with committed buyers—to uphold the speed and certainty that our sellers expect.

It’s not that you can’t use a mortgage, but it’s highly unlikely your offer would be accepted over one from a cash or bridging finance buyer. This is purely because of the speed and certainty required for these deals—mortgage applications typically take longer and introduce delays that our sellers can’t accommodate.

This can be challenging due to the quick turnaround required—sellers typically expect a buyer to be in a position to complete within 28 days. Since searches can take several weeks to process, we often recommend using indemnity insurance to protect against potential issues instead.

While we don’t directly offer this as a service, we’re more than happy to provide guidance and advice. For ongoing property management, we recommend reaching out to a reputable nationwide letting agent for a quote. These agents typically charge around 10% of the monthly rental income as their management fee.

We have a network of contacts that we can recommend for certain types of work, depending on the property and its location. This is handled on a case-by-case basis.

It's no secret that property investment carries some level of risk, as with any investment. However, in our opinion, property is one of the safest options, particularly when buying Below Market Value (BMV). By purchasing BMV, your potential yield increases, which helps to mitigate the risks.

The right investment location depends on two key factors: potential yield and your current situation.

For first-time investors, location is often a crucial consideration, as well as finding a property with development potential where value can be added. This might include a quick flip or a ‘Refurbish, Rent, Refinance’ deal. Generally, it’s a good idea to invest in properties near where you live, especially if you plan to do the work yourself or manage it privately.

More experienced investors, however, tend to prioritize yield over location and may invest in both commercial and residential properties.

If you’re unsure where to invest, feel free to reach out! We’re more than happy to share our expertise and help you find locations that align with your investment goals.

As with any investment, the amount of money you commit depends on your individual situation. However, choosing a BMV property can often help reduce your initial costs, enabling you to invest more quickly and build your cash flow.

Note: We always recommend having a few thousand pounds in savings as a safety net before investing. It’s always wise to have extra funds for peace of mind.

Yes, it’s always a good time to invest in property. While property prices may fluctuate month to month, the overall trend in the UK property market is upward. Additionally, as the population grows, so does the demand for housing—making property investment a consistently relevant and profitable opportunity.

There are numerous benefits to property investment, especially when purchasing Below Market Value (BMV).

First off, you can increase the value of your property by adding equity. Whether through DIY improvements, resolving issues with the freehold, or expanding the space, adding value for less than the cost will likely result in a profitable sale.

If it’s a second home, you also have the option of renting it out to boost your returns. For example, let’s say you purchase a property for £75,000 and decide to rent it out. With rental prices in the area at approximately £750 per month, you negotiate a tenancy at £700 per month (£8,400 annually). This results in an impressive yield of 11.2%, meaning the property could pay for itself in less than 10 years!

Additionally, property investments benefit from capital appreciation. Historically, the housing market tends to rise over time. For instance, house prices have increased by 38.5% in the last 10 years according to Property Data. So, your £75,000 property could be worth over £103,000! Even if you don’t plan to sell, you can tap into this equity through a refinancing option, allowing you to expand your property portfolio even further.

While property is generally a much better place to invest your money than a bank account – with a 10% yield far surpassing a 0.5% savings rate – like any investment strategy, it does come with its risks. Before diving into Below Market Value (BMV) property, it’s important to consider the following three potential risks:

Property Price Fluctuations

• While property values tend to increase over the long term, the market can experience fluctuations in the short term. If you're planning a short-term investment, this is something worth evaluating in more detail to ensure you're comfortable with potential market volatility.

Unoccupied Periods

• The primary aim of renting out a property is to generate equity and cash flow. However, if your property remains vacant for any period – such as when transitioning between tenants – the costs associated with it will fall on you. This is something to consider when selecting and managing your property, as it impacts your overall return.

Maintenance Costs

• Whether you're renting out or flipping your BMV property, maintenance is an ongoing responsibility. For those flipping, this may not be as much of a concern, but there are still costs to factor in. If you plan to rent the property, choosing reliable tenants becomes crucial. Tenants who cause minimal wear and tear will reduce the time and money spent on upkeep. For example, a family who spends most of the day at home might lead to more wear and tear compared to a business professional who is only at the property in the evenings.

Understanding and planning for these risks can help you manage your investment more effectively and ensure you're prepared for any challenges that come your way.

The answer is right here!

At KIR Property Group, we specialise in sourcing Below Market Value (BMV) properties. We acquire these directly through our sister company, one of the UK's leading homebuyers.

If you’re looking for BMV properties in a particular area, with specific features, or suited to a particular investment strategy, we’re here to help. Reach out to us – we’d be delighted to partner with you and assist in sourcing the perfect property for your portfolio.

BMV, or Below Market Value, is a term widely used in property investment. From an investor’s point of view, BMV properties are highly sought after. This is because they typically offer higher yields, leading to a more attractive return on investment (ROI).

The return on investment largely depends on the area you choose to invest in, which is why we always recommend conducting thorough research before committing your funds. Certain locations may offer higher yields for specific types of properties, while others may be better suited for buy-to-let investments or property flips. Some areas can be profitable for both strategies.

Generally speaking, a good yield would fall within the range of 6-7%.