Questions, answered plainly.

We find, buy, refurbish, let and manage UK property for private investors and families. You can work with us in two ways: Buy for you, where you own the property in your own company, or Invest with us, where we set up a company together and share the results.

People who want UK property as part of their long-term wealth but don't want to run it themselves. Typically people who:

• live outside the UK, or are too busy to manage property
• have capital set aside, sometimes for a home for a child at university
• already own UK property and are unhappy with how it has worked out
• want something they can eventually pass to their children

If you want to own 100% and are happy to pay a fixed fee per deal, Buy for you. If you'd rather pay less upfront and have a partner whose income depends on the property performing, Invest with us. Many people decide on the first call, once we've understood their goals.

A small number at a time, so every client gets direct access to the people doing the work.

It helps but isn't essential. We encourage at least one visit to see projects in person. Everything else can be done remotely.

Finding the deal, checking it (survey, valuation, licensing, planning, demand), coordinating the purchase and finance, managing the refurbishment, finding tenants, refinancing where the valuation allows, and arranging ongoing management.

You do, usually through your own UK company. We don't hold any share in it.

We send you deals that match your brief, with the numbers, photos and risks. The first client to commit, with funds ready, secures it. If you miss one, we keep looking and send you the next.

One fixed fee per deal, agreed in writing before you commit. Third-party costs such as stamp duty, legal fees, surveys, finance and building works are paid by your company directly to the provider.

We set up a private UK company between you and Anjio. You provide the capital as a loan to the company. We find, buy, improve and manage the property. Rental income and growth are shared as agreed in writing.

No. It is a private company between you and us, nobody else. Each partner has their own separate company with us. Your money is never pooled with anyone else's.

It keeps your capital clearly documented, with agreed terms for repayment. Your advisers will confirm the right terms for your situation.

A small admin fee per deal, plus our agreed share of the results. If the property performs, we both do well. If it doesn't, we earn very little.

As involved as you want. Most partners stay close at the start. Once the first properties are running as planned, most step back. What we can decide alone, and what needs your sign-off, is written into the agreement. You can also appoint a lawyer, accountant or family member to deal with us.

Before we start, we agree your risk appetite, preferred property types and locations, and how you like to be contacted. New deals go to the partner they fit, in rotation. If your funds are tied up in a project, we don't offer you new deals until they're free.

From £300,000. Larger amounts (from £750,000, and £2m+) let us spread across more locations and larger projects. You can add more later, in the same company or a new one.

The agreement sets a minimum pace, for example at least one property every 18 months, allowing for planning, delays and the time a project needs.

No. Your money goes directly into the company's own UK bank account. We never hold client investment money in our own accounts. Any fees are invoiced separately.

Only at the end of onboarding: after we've met, you've had independent advice, you've seen projects, the company and bank account are set up, and everything is signed.

Regular updates at the touchpoints we agree: purchases, works, rents, costs and the company's finances. Every payment and contract is documented and available to you or your representative.

UK anti-money-laundering rules require identity and source-of-funds checks, and banks and lenders ask the same. Having the paperwork ready early makes everything faster.

Anjio is a member of The Property Ombudsman and registered with the Information Commissioner's Office. We are not authorised by the Financial Conduct Authority and don't give financial, tax or legal advice. Independent, regulated specialists advise on those matters.

No. Property values can fall and no rent is guaranteed. We reduce risk by buying carefully, borrowing sensibly, holding cash reserves, using insurance where available and spreading across locations.

Mostly existing houses and buildings that need work, bought below market value and improved. That can include family homes, larger shared homes for working professionals, houses split into flats, short-stay lets, long leases to councils and housing providers, and commercial buildings converted into homes.

Rarely. New-builds often carry a premium that disappears once you buy. We prefer property where we can add value.

Wherever the numbers work: strong rental demand, sensible prices and a clear way to add value. Spreading across areas protects you if one market slows.

Buy a property, improve it, let it, then take a long-term mortgage against the higher value. That can release some or most of the money used, to fund the next purchase. It doesn't always release everything: valuations and lenders decide, and we never assume the best case.

Usually a few months after purchase, once works and letting are done. Larger conversions and planning projects take longer. You get a timeline for each deal.

We reference tenants carefully and use rent guarantee insurance where available. Insurance pays within its own terms, so the company also keeps a cash reserve. Arrears are handled by the company, not by you sending money.

No. The company opens its own UK business bank account. It takes longer when owners live outside the UK, and you'll need identity and source-of-funds documents. We guide you through it.

Yes, through lenders who work with international owners, though there are fewer of them and terms vary. Lenders usually ask main shareholders for personal guarantees.

Through your bank or a regulated currency transfer provider, directly to the company's account. Some countries limit or require paperwork for sending money abroad, so check your own country's rules early.

Possibly. Money you draw may be taxed where you live, depending on your country's rules and any tax treaty with the UK. Take advice in both places.

Often, yes. Different share classes can give parents control and income while future growth builds for the children. The right structure needs independent legal and tax advice, which we arrange.

Holding shares is usually treated differently from working in a business, but visa conditions are strict. Your child shouldn't take on a role such as director until an immigration adviser confirms it's allowed.

It can be. The same money can be spread across several income-producing properties, with your child as a shareholder, while they rent a good home separately. Buying a home for a family member to live in through a company can add tax costs, so take advice first.

Your interest passes under your will and the succession terms agreed at the start. We recommend a UK will for UK assets to avoid long probate delays. UK inheritance tax can apply to UK property even when held through a company and even if you don't live in the UK, so plan for it with your advisers.

For many investors a company is more flexible: mortgage interest is treated as a business cost, profits can be kept in to buy more, and shares can pass to family. It isn't right for everyone; decide with a tax adviser.

Moving it is usually treated as a sale, which can trigger capital gains tax and stamp duty. Sometimes it's worth it, often not. We'll help you look at keeping, selling or leaving it, with a tax adviser.

Yes. Companies buying homes pay higher rates, and there can be an extra charge where a company is controlled by people who don't live in the UK. We build these costs into every deal.

No. We work alongside independent, regulated tax advisers and introduce you to them. You're welcome to use your own.

Prices can fall, rates can rise, works can overrun and tenants can leave. Landlord rules change too. Sensible borrowing, fixed rates, cash reserves, contingency budgets and spreading across locations reduce these risks. They don't remove them.

We keep borrowing at a level that leaves room for prices to fall, so the company isn't forced to sell. Downturns often bring the best buying opportunities.

Yes, following the exit process agreed at the start: valuation method, timetable, and whether properties are sold or interests bought out. Selling early can mean selling at a poor time, and we explain those costs upfront.

The agreement sets out how decisions are made and how disagreements are resolved: discussion first, then mediation or arbitration.

Your agreement covers who steps in to manage the properties and how our interest is dealt with. Your capital is held in the company's account and properties, never in ours.