Project Brigadier

Fundamentals-Driven Long-Term Hold

Project Brigadier was acquired as a high-quality, long-term investment in an area selected specifically for its strong underlying fundamentals, including employment opportunities, transport connectivity, and sustained rental demand. The strategy was to prioritise location quality and asset standard over short-term yield optimisation, ensuring the property would deliver both reliable income today and resilient capital growth over time. The property was purchased using a 75% Loan-to-Value Buy-to-Let mortgage, allowing capital to be deployed efficiently while maintaining prudent leverage. A focused refurbishment was carried out to enhance the property’s presentation and rental appeal while maintaining strict discipline on capital expenditure. The result is a well-positioned, high-quality rental asset that produces robust monthly cash flow and remains aligned with a long-term, fundamentals-driven investment approach. This project reflects the broader portfolio strategy: combine income performance with careful location selection and asset quality, and hold properties that compound value over time.

The Numbers

• Purchase Price: £260,000

• Refurbishment Cost: £20,000

• Total Project Cost: £280,000

• Mortgage on Purchase (75% Loan-to-Value):
  → £195,000

• Current Valuation (Feb 2026): £310,000

• Monthly Rent: £1,400

• Annual Rent: £16,800

• Cash Invested (Deposit + Refurb):
  Deposit (25% of £260,000): £65,000
  Refurbishment: £20,000
  → Total Cash In: £85,000

Returns

Gross Return on Cash Invested (Return on Capital Employed)

£16,800 ÷ £85,000 = 19.76% gross

Investment Outcome

By using sensible leverage at acquisition and focusing on asset quality in a strong location, this project delivers healthy cash-on-cash returns while also benefiting from capital appreciation, with the property now valued at £310,000. The asset has been positioned as a long-term hold within the portfolio, supporting the wider strategy of building durable income streams alongside steady, fundamentals-driven capital growth.