The model
One local team. No mortgage, no interest. Profit that goes somewhere good.
We turn scattered investors, trades and sellers into local power teams that can buy, refurbish and complete without a chain - whether you hold the full amount or part of it.
Six steps to buying property without a mortgage
The whole journey, in order: join, qualify, claim your outward postcode area, build the team, buy and complete.
What we mean by “cash”
Cash here means verified, legally held funds - money already sitting in a bank account, lawfully earned or saved. It does not mean physical notes, and it does not mean borrowed money: no mortgages, no bridging, no interest-bearing finance.
You don't need the full purchase price yourself. Members regularly buy together through joint ventures, profit shares and equity splits - contributions, splits and exit agreed up front and documented by a solicitor. That is partnership, not lending: no interest is ever charged or paid, and no fixed return is promised.
Every buyer must evidence source of funds, and every transaction is checked by a regulated solicitor for anti-money-laundering, fraud, identity and all other legal requirements before it can complete. Declaring funds you cannot evidence will end your membership.
Four ways to buy without a mortgage
You don't need the whole purchase price to belong here. Every route below is interest-free.
You have the funds
Fund a deal outright with no mortgage and no interest - a purchase to hold, a refurb and flip, an HMO or a serviced-accommodation unit. Deals are matched to you by score, and the local power team handles the rest.
You have part of the funds
Partner with other members on a joint venture, profit share or equity split - an HMO conversion, a commercial-to-residential scheme or a land deal. You bring what you have; the structure covers the rest. Never a loan, never interest.
You're still building
Take part with little or no purchase capital through control strategies - lease options, exchange with delayed completion, rent-to-rent, R2SA and R2HMO - or put what you do have into another member's deal for an agreed share of the profit.
You have a trade or profession
Sell your skills into the network on top of what you already do. Escrow-protected work in your outward postcode area builds both your savings and your credibility here.
What membership costs, and when you pay
Three steps, in order. The founding list is free and stays free - the paid steps only apply if you choose to become a member.
- 1
Founding list
Free
No card, no account
Email and mobile only. Holds your place in the queue and registers demand for your outward postcode area.
What happens
You join, verify your email and mobile, and your place is held. Nothing to pay. - 2
Qualified member
£99 + VAT
One-off vetting fee
Confirms your outward postcode area on the live map, opens your vetting checklist - and makes your referral rewards payable.
What happens
You pay this once, when you choose to get qualified. It covers the review of your evidence and locks your outward postcode area on the live map. - 3
Membership
From £7/mo
or £499 + VAT lifetime - 50% off the £999 standard price, founding list only
Ongoing access to deals, the marketplace, escrow-protected jobs and wallet payouts. Annual is billed as 10 months.
What happens
You pick a plan when you are ready. Vetted plus a live plan makes you a fully active, qualifying member.
Joining the list is free and is never auto-billed. Becoming a member is paid: the £99 + VAT vetting fee, then a membership plan - both only when you choose to go ahead. See full pricing.
What you get, depending on who you are
For investors & buyers
- Access to off-market and member-first listings before the public sees them
- A ranking score based on funds, speed, completion history and activity
- Joint ventures and profit-share partnerships when you don't hold the full amount
- Deal rooms with documents, Q&A and offer tracking
- Vetted local trades already booked into your postcode
For trades & professionals
- Exclusive postcode slots per profession - no bidding wars
- Verified certifications displayed on your public profile
- Job bookings with escrow-protected milestone payments
- Referral rewards for every member you bring in
For sellers & landlords
- A quick, mortgage-chain-free offer within 24 hours of your listing being reviewed
- Choose member-first exclusivity or open marketing
- Chain-free completions with solicitors already in the team
- Full control over viewings, offers and timelines
Investors in 30 seconds
Start here: the four interest-free ways in
Buy outright, joint venture with members, invest into someone else's deal, or bring a trade. 30 seconds.