Investment Opportunity
6 Bed HMO in Staffordshire
Who Are We?

Joseph Cleary
Co-Founder

Cameron Cleary
Co-Founder
Our History
Our journey began in the plumbing industry, where Joseph first established himself as a general plumber before specialising in boiler and heating systems. With years of hands-on experience and a growing client base, Joseph’s reputation for quality work and reliability quickly set him apart. Cameron entered the trade as an eager apprentice under Joseph’s guidance, soaking up skills and knowledge with determination. Over time, he developed the expertise to handle complex jobs independently. Our shared values and work ethic naturally evolved into a business partnership, setting the stage for our next chapter – property investment.
Our Skills
Together, we bring a robust skillset to every project. Joseph’s depth of experience with heating systems, diagnostics, and practical thinking pairs perfectly with Cameron’s precision, fresh perspective, and adaptability on-site. Between us, we offer a full suite of solutions, from sourcing to planning and management to investor support and reporting. Our background in troubleshooting and working in diverse properties gives us an edge when evaluating and upgrading homes – skills we’re now channeling into creating homes that generate returns – and change lives.
Our Vision
Driven by a shared passion, we are focused on transitioning into the world of HMOs (Houses in Multiple Occupation). Our goal is to not only renovate high-quality shared homes but to create efficient, well-managed spaces that meet the needs of modern tenants. By working with investors, we aim to offer rewarding, hands-free opportunities in property while maintaining our commitment to craftsmanship and service.
We believe HMOs are more than just a business model – they’re a chance to provide affordable, well-maintained homes in communities that need them most. With our hands-on experience in renovation and property maintenance, we’re well-equipped to oversee every aspect of a project, from sourcing and refurbishing rundown properties to managing ongoing tenant needs with professionalism and care. Our practical background ensures no detail is overlooked, and our commitment to quality means every property we touch is built to last.
Looking ahead, we envision building a diverse portfolio of high-performing HMOs across strategic investment areas. We want to collaborate with like-minded investors who are looking for passive income and long-term growth, all while making a positive impact in the housing market.
The Property
A semi detached, four bedroom family home. Located in the sought after area of Burton-on-Trent, this property benefits of being in close proximity to great schools, local amenities, railway and all local transport routes.
This property comprises; An entrance hall, kitchen, lounge, four bedrooms, a family bathroom, a utility room with downstairs WC and an enclosed garden.
Key benefits
- Close to town centre and rail links
- Easy access to M42
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Current Status
- Off Market
Existing Floorplan

Proposed Floorplan

Images







The Deal
What we’re proposing
The property is structurally sound and provides a solid foundation for the planned improvements. We are planning to transform an existing 4-bedroom family home into a high-quality 6-bedroom HMO, with each bedroom featuring its own private ensuite bathroom and kitchenette. This will be achieved by extending to the rear of the property and reconfiguring the internal layout. This refurbishment will significantly enhance the property’s rental potential, offering modern, comfortable living spaces tailored to meet the growing demand for premium shared accommodation.
We are seeking a loan of £207,000 to fund the purchase, refurbishment, and associated costs. The loan will be used to cover all acquisition and development expenses.
Upon completion and refinance – expected within approximately six months – £192,000 of the loan will be repaid. The remaining £15,000 will be repaid from the proceeds of the future sale of the property or at a mutually agreed term.
In return for the loan, the investor will receive a fixed interest return, with terms to be agreed based on the loan duration and security offered. This structure provides the investor with a predictable, hands-off return, secured against a tangible asset, without the need for equity ownership or ongoing involvement.
The Numbers
Here’s a full breakdown of the numbers.
| Purchase Price | £150,000 |
| SDLT | £5,000 |
| Legals | £2,000 |
| Holding Costs | £2,000 |
| Refurb | £40,000 |
| Contingency | £8,000 |
| Loan Amount | £207,000 |
| Total Interest @ 10% over 18 months paid monthly | £20,700/18 = £1,150 PCM |
| GDV | £260,000 |
| Re-mortgage | £192,000 |
| Money left in | £15,000 |
Scenarios
Worst Case
Should the work take longer and refinance be lower the remainder of the loan + the interest payments will be covered by monthly payments over 28 months
| Time to completion | 18 months |
| Lending | 75% |
| Repayment | £180,000 |
| Remaining + interest @10% | £47,700 |
| Monthly repayments | £1,725 PCM over 28 months |
Expected Case
With expected completion time the loan will be repaid in full with interest payments covered by monthly payments over 12 months
| Time to completion | 12 months |
| Lending | 100% |
| Repayment | £207,000 |
| Interest @10% | £20,700 |
| Monthly repayments | £1,725 PCM over 12 months |
Best Case
If time to completion is better than expected the loan will be repaid in full earlier than expected with interest payments covered by monthly payments over 12 months or paid in full
| Time to completion | 8 months |
| Lending | 100% |
| Repayment | £207,000 |
| Interest @10% | £20,700 |
| Monthly repayments | £1,725 PCM over 12 months |
Exit Strategies
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Comparables
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Contact Details
If you have any questions or would like any more information please contact
Joe or Cameron
on