Our Process

At BGB Ltd, we believe in a strategic and sustainable approach to property investment. Our goal is not only to purchase and renovate properties but to add lasting value while creating profitable opportunities for both ourselves and our investors. We follow the BRRR (Buy, Refurbish, Refinance, Rent) model, which allows us to recycle our capital into new projects while improving communities and enhancing living standards.

Each step of our process is carefully designed to maximize the return on investment while ensuring high-quality results. Here’s how we work:

Step 1: Buy

The first step in our process is acquiring properties that are underperforming or in disrepair, typically below market value. We focus on rundown and uninhabitable properties that offer substantial potential for improvement. These properties could be single-family homes, commercial spaces, or even properties with changing use classes that allow for creative renovation strategies.

Our team carefully analyzes each property, taking into account factors such as location, market trends, and the amount of work required. The goal is to buy properties that can be transformed into high-quality, energy-efficient homes—delivering long-term value for both our investors and future tenants.

Once a property is identified, we move forward with securing it at a competitive price, ensuring that we leave room for substantial returns through renovations and value-added improvements.

Step 2: Refurbish

Once we’ve acquired the property, we move into the refurbishment phase. Our experienced in-house team, operating under BD Design and Build Ltd, takes on the task of transforming the property into a modern, energy-efficient homethat meets the highest standards.

This stage involves more than just cosmetic upgrades. We strategically add value by:

  • Increasing living space through loft conversions and ground floor extensions
  • Improving energy performance by upgrading the EPC (Energy Performance Certificate) rating
  • Reconfiguring layouts to maximize functionality and meet market demand
  • Changing property use classes when applicable, such as converting family homes to HMOs (Houses in Multiple Occupation) or commercial spaces to residential units

We also consider the location and target market during the refurbishment process. For family homes, we design the property to meet the needs of long-term tenants, ensuring high rent and low maintenance. The goal is to deliver a home that’s both desirable for families and cost-effective in the long term, resulting in zero voids and minimal maintenance.

In lower-cost areas, we focus on cosmetic improvements that ensure the property meets market standards without over-investing in unnecessary upgrades. Conversely, in premium areas, we invest in higher-end finishes to match the expectations of tenants who are willing to pay a premium for quality.

Our focus on quality, durability, and tenant needs ensures each property achieves long-term zero maintenance. Using high-quality materials and skilled craftsmen reduces future costs and ensures the property remains attractive and functional for years to come.

Step 3: Refinance

With the property fully renovated, we move on to the refinancing stage. This step is critical, as it allows us to extract capital from the investment and recycle it into our next project. However, a successful refinance depends entirely on getting Steps 1 (Buy) and 2 (Refurbish) right—without errors.

That’s why, from the very beginning, we ensure that:

  • The purchase price is right, securing the property below market value.
  • The refurbishment budget is carefully planned to maximize value, ensuring that once completed, the property can achieve the highest possible refinancing valuation for that area.
  • The end valuation is projected accurately before we even start, ensuring that the final refinance aligns with our investment goals.

We work closely with experienced mortgage brokers and specialist lenders to secure the best refinancing options. Once the property is revalued—typically at a higher price—we refinance to pull out up to 75% of our invested capital. This allows us to recycle funds into new projects, keeping our investment cycle moving efficiently.

By structuring each project strategically, we ensure that our investors and business can continue growing without being tied up in a single property.

Step 4: Rent

Once refinancing is complete, the final step is to rent out the property and generate consistent cash flow. Since all our refinanced properties are on interest-only mortgages, our goal is to achieve a rental income that not only covers mortgage interest payments and expenses but also provides a positive return for us and our investors.

Every area has a rental market range, and we ensure that our properties are rented at the top end of that range by offering high-quality, well-designed homes that attract the best tenants. Achieving strong rental income depends on getting Step 1 (Buy), Step 2 (Refurbish), and Step 3 (Refinance) right, ensuring that our investment model remains profitable.

Here’s how we maximize rental income and ensure long-term success:

  • Tenant Selection & Vetting: Choosing the right tenants is critical. We ensure that all tenants are fully referenced and vetted to minimize risks and maintain a hassle-free tenancy. This ensures the right property is matched with the right tenant, leading to stable, long-term rentals.
  • Long-Term Tenancies: Our strategy is built around long-term renters, reducing turnover and keeping occupancy rates high.
  • Premium Rental Value: By providing high-quality homes, we achieve top-market rents, ensuring that rental income is aligned with the property's true value.
  • Low Maintenance Approach: Since our properties are built to last, we minimize future repair costs by using high-quality materials and skilled craftsmanship.
  • Tailored Property Designs: Each property is optimized for its target tenant—for example, family homes are designed for comfort and long-term living, while HMOs for professionals/students focus on maximizing space and functionality.
  • Social Housing Partnerships: We also work with select social housing providers, offering well-maintained homes for tenants in need while ensuring reliable rental income through long-term agreements.

By following this structured approach, we ensure that our rental portfolio remains profitable, sustainable, and low-maintenance, allowing us to continue growing while providing great homes for tenants.

Ready to start your property journey with BGB?

Contact us today to discuss how we can help you transform properties, create homes, and build wealth.