A fixed return
Agreed in writing before any money moves. It does not flex with the valuation, the sale price, or how the project performs.
K Sandhu Property Ltd · Warwickshire
Fixed returns, secured against the bricks.
We buy under-valued residential property in Warwickshire's CV7 corridor, improve it, and hold it for the long term. Our partners lend on fixed terms and are secured by a legal charge — not a share of an uncertain outcome.
What we offer partners
Deliberately boring terms.
Property attracts a lot of noise. What follows is the whole of the arrangement — there is no clever structure underneath it.
Secured by legal charge
A charge registered against the property at HM Land Registry — a matter of public record, prepared by your solicitor and ours.
Lending, not partnership
No equity, no profit share, no joint liability. You are not buying into a venture and you carry none of the delivery risk.
One postcode, properly
We buy in a single tight geography. Concentration sounds like a risk until you realise the alternative is buying where you cannot tell a good street from a bad one.
Who you would be working with
A career spent finding the fault before it costs anyone money.
K Sandhu Property is run by Kierandeep Sandhu. My day job is senior quality assurance engineering — which, stripped of the jargon, means I am paid to find the flaw in something before it reaches the people it would hurt, and to be unpopular about it when necessary.
That is an unusual background for property, and I think it is the right one. Most deals do not fail because someone lacked ambition; they fail because nobody stress-tested the numbers against the case where rates move, the refurbishment overruns, or the valuation disappoints. I build the test before I build the case for doing the deal.
I live and buy in the same corner of Warwickshire, I am investing my own capital alongside any partner's, and I would rather turn down nine properties than talk myself into one.
How we work
Five steps, in the same order, every time.
Screened before it's considered
Every property is run against fixed parameters — stamp duty, legals, loan-to-value, and a stressed interest rate well above the going rate. Deals that only work at today's rates do not pass.
Bought below market value
Usually pre-auction, at auction, or from motivated sellers. The margin is created at purchase. Nothing later in the process can rescue a price paid badly.
Refurbished to a costed scope
Works are specified and priced before exchange, not discovered afterwards. A local trade base that turns up matters more than the cheapest quote.
Let, then refinanced
Tenants in place establish the rental evidence a lender values the asset on. We then refinance against the improved value.
Partners repaid, asset retained
Refinance proceeds repay partner capital and the agreed return. The property stays in the portfolio producing rent.
Proof of concept
46 & 46A Newtown Road, Bedworth.
Two self-contained one-bedroom flats on a single freehold title, secured pre-auction at £140,000 and currently working through the refurbishment and refinance cycle described above.
It is one deal, and we would not pretend otherwise. But it is a real one, executed on the same terms we would offer a partner — which is rather the point of showing it.
Investor list
Hear about opportunities before they are placed.
We work with a small number of private partners, and most capital is placed through people already on this list. Join it to receive the information pack, occasional updates on live projects, and first sight of opportunities as they come up.
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Important. This page is provided for information only. It is not an offer, an inducement, or an invitation to engage in investment activity, and it is not financial, legal or tax advice. Any arrangement is governed solely by the terms of a signed agreement between the parties. Property values and rental income can fall as well as rise, and capital deployed in property is not readily realisable. Prospective partners should take independent legal and financial advice before committing funds.