Family-run property investment · Wiltshire · Since 2009

Your capital. Our deals. Both names on the contract.

We're Sophie and Tom. We invest in UK property, full-time, with twenty-four properties on our own books. Once or twice a quarter we open the next project to a small handful of investor partners.

Get the next briefing See how it works

A husband and wife team

About us We've put our own money into every project we've ever run. We always will. The first investor we took on was Sophie's dad.

Our portfolio

Properties on our own books, built around two careers and three kids since 2009.

Project value managed

£0M

Cumulative value of projects we've run with investor capital since 2020.

Investor partner returns

Average annualised return paid to investor partners since 2020, gross of tax.

Capital returned

Of investor capital returned in full to date. No delays. No partial returns. Ever.

How we invest

Skin in the game. Family-sized. Boring on purpose.

We're very careful about the property investments we tackle. We don't look for the unicorn deals that flatter to deceive. We purposefully look for solid investments with numbers backed up by research. That way we protect ourselves and our clients.

Skin in the game, always first

Every project we run starts with our own money in the structure before any investor signs. If we won't deploy our own capital into a deal, we won't ask you to. That hasn't changed in six years of running investor projects and it isn't going to.

ii.

Family-sized, not fund-sized

We're not a fund. We don't have a portal. We run two or three projects a year alongside our own portfolio and you'll have our personal mobile numbers from the first call. Monthly updates come from us, with site photos, not from a CRM auto-sender.

iii.

Boring, repeatable, real

The boring deals are the ones that pay. We don't do glamorous flips or speculative land plays. We do reliable BRRR refurbs and steady HMO conversions, in three Midlands towns where we've worked for nine years. Same trade team. Same solicitor. Same template.

The process

Three steps. Twelve to eighteen months. One project at a time.

Most of our investor partners stay with us for years. The first project is always done the same way, so we can both work out whether the relationship has legs before either of us commits to a second.

An introductory call between Sophie, Tom and a prospective investor

iInitial chat

A friendly first conversation

A 30-minute video call. We get to know each other. You tell us about your capital, your timelines and what 'good' looks like for you. We tell you honestly whether what we do is a good fit. No pitch deck. No follow-up sequence.

Free, no obligation No pitch, no follow-up sequence

Reviewing the next project brief together

iiThe project briefing

The next project memo

When the next project opens we send you the full memo. Property, location, total cost, our cash in, your cash in, projected return, exit route, stress-tested numbers. Everything we'd want to see ourselves. You take a week to decide. No pressure.

One project per quarter You see the deal before any paperwork

A completed project ready for refinance and capital return

iiiInvest and exit

Monthly updates & capital back

You commit, we structure the project SPV with both names on the contract. Monthly photo updates direct from us, not from a portal. On exit, you receive your capital back in full plus the agreed return. We've never returned late and we never will.

12 to 18 months typical hold Capital plus return on refinance or sale

A recent project

Completed Q1 2025

A six-bedroom HMO in Bath. 14 months from acquisition to refinance.

A three-bed end terrace converted to six-room Article 4 compliant HMO. Sourced off-market, refurbished by our nine-year trade team, tenanted within eleven days of practical completion. Our investor partner committed £140,000 alongside our £64,000. Capital returned in full on refinance plus an 11.4% annualised return.

Project value

£312k

Investor capital in

£140k

Investor return paid

£24,360

Annualised return

11.4%

"Our first investor was Sophie's dad. We work to the same standard today."

Sophie & Tom · Founders

Our story

Our first investor was Sophie's dad. The standard we set on that deal hasn't moved since.

In 2009 we were on our honeymoon in Cornwall, scrolling Rightmove on a 3G connection, and Tom spotted a two-bed terrace in Swindon listed at £14k below the rest of its road. We made the offer from the cottage we were staying in. By the time we got home it was ours. Sixteen years and three children later, that property still cashflows the school bus money for our two eldest. The portfolio grew quietly from there. One a year. Then two. Today: twenty-four.

"The first investor we took on was Sophie's dad. £20,000 into a Bristol HMO conversion. He got £24,200 back fourteen months later. That number was the bar. We've held it ever since."

We added one investor project a year from 2020 once we were confident in the structure. Today we run two to three projects with outside capital at any one time, alongside the personal portfolio. The order matters: our money goes into the SPV before anyone else's signature dries on a contract. We've never returned capital late. We've never had a project that needed a follow-up call to explain a shortfall. That hasn't changed in six years and it isn't going to.

We're not a fund. We're not going to be. We work with a small number of investor partners we know by name, mostly introduced by people we already work with, all of whom can ring us on a Sunday if something on a site visit looks off. It's a relationship business. We prefer it that way and so, it turns out, do our investors.

BasedBradford-on-Avon, Wiltshire

Investing since2009 · Investor projects since 2020

FamilySophie, Tom & three small humans

What our investor partners say

A small list of investors. Three to five projects each. All still here.

Sophie and Tom have run three projects with my capital since 2022. £85,000 deployed across them, every penny returned with interest, every update arrived on the Friday they said it would. They're the only place outside an ISA where my wife agrees to leave money.

Andrew Doyle Retired GP, Salisbury · Investor partner since 2022 · 3 projects

£85k deployed · 11.2% avg annualised · 100% returned

I'd done a property course in 2021 and concluded I didn't actually want to run anything myself. The Hollands give me the returns without the workload. I trust them because their own portfolio is the same size as the capital I've deployed with them, and they live in the village next to mine.

Hannah Lefevre Business owner, Bath · Investor partner since 2023 · 2 projects

£60k deployed · 10.4% avg annualised · 100% returned

This is for you if

You have £50,000 or more of capital not currently producing meaningful returns
You can commit that capital for twelve to eighteen months per project
You qualify as a sophisticated or high net worth investor (we'll walk you through what that means)
You'd rather work with one family than a fund portal
You want property returns without operating any property yourself

This isn't for you if

You need monthly liquidity from your capital
You'd rather buy and manage your own properties
You're looking for an FCA-regulated fund product
You're below £50,000 deployable or under-pressure for short-term returns
You'd rather receive a glossy pitch deck than a video call with us

Next project briefing

Be on the list for the next project memo.

We send one project memo per quarter, only to investors we've already had a video call with. Book a thirty-minute chat first. No pitch. No automated follow-up. If we're not a fit, we'll say so plainly.

Book a video call Email us directly

"We'll be the ones answering."