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Lower Costs. Higher income.

Sell at the right price.

The Adjoin Tenancy

A new way to achieve your property goals.


We rent out you property to aspiring owners, giving them the option to buy it during their tenancy.

You, as the current owner, sets a Minimum Sale Price that protects your asset value.

You benefit from a professional tenant, who has shown their interest in buying it.

We collect the Option Premium, that the tenant pays, so we can fully manage your property for just 5%.


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At Adjoin, we focus on making good relationships, whether it’s you and us, or your tenant.

We work with tenants to assess their affordability, so that they have a higher probability of buying your home.

Our fact-find also means we believe they’re likely to be higher quality tenants during their tenancy.

You can benefit from great tenants in the short term, with a buyer in place fo the future.

 

Cost Saving

  • 0% Sales Comission, if the tenant buys
  • 5% Management fee, less than 1/3 of London’s average
  • Generate income until the sale completes

Increased Security

  • Professional tenant, with vested interest
  • Tenant fact-find to understand ability to purchase in future 
  • Customise Sale Period
  • Set Minimum Sales Price

Offset Market Conditions

  • Sell when the market improves
  • Can tie sale into Early Repayment Charges (ERC’s) ending
  • Lowered chance of void periods

What does the process look like?

 

Initial Contact

The first step to any successful relationship is getting to know each other. Register your interest and we will contact you within 24 hours to book an appointment.

 
 
 

Set Expectations, Tailor Your Needs

Using a combination of human and Artificial Intelligence, we give you the expected rental and sales figures for your property. We also discuss the Service Options, establishing your needs.

 
 
 

Establish Key Facts

You’re in control. Set the key facts, including; Rental Price, Tenancy Length, Minimum Sales Price, and Sales Period

 
 
 

Find a Tenant

The property details are sent to our waitlist of tenants and advertised on all major portals. We vet any new applicants for their ability to rent now, and their future purchasing ability. We conduct viewings in-house to keep control of all aspects of the deal.

 
 
 

Tenancy Agreed and Moved-In

When you accept an offer, we can take care of all onboarding, overseeing referencing, helping prepare the property, and even moving them in.

 
 
 

Relax, we have it covered

We have a proactive management approach. We periodically touch base with the tenant to catch any issues before they snowball. We also give tenants the tools needed to prepare for homeownership, effectively making them in-house property managers.

 
 
 

Preparation for Sales

The tenant requests an updated valuation. Confirm your expectation, whether it’s the Minimum Sales Price or higher. Once the price is agreed, the formal offer is received and the conveyancing process starts.

 
 
 

Sale Completes

When ready, the tenant can trigger their Option to buy.
They keep paying rent until they complete, meaning no voids, and better yet, 0% Sales commission.

 
 
 

What can you offer tenants?

You set which of the tenant schemes are offered to applicants.

Tenant Scheme Option To buy Discount on purchase Rental Premium Discount 
Try Before You Buy ✔️ 10%
Share In The Upside 15  ✔️ ✔️ 15% 20% Of Appreciation
Share In The Upside 20  ✔️ ✔️ 20% 40% Of Appreciation
Appreciation is any value increase above the Minimum Sales Price, set by you at the start of the tenancy.

 

What do the numbers say?

 

Example Assumptions:

Minimum Sales Price:            £500,000 Current Valuation:            £500,000
Rental Amount (PCM):            £2,000 Tenancy Length:            2 Years 
Assumed Management Fee:             12.5% Assumed Sales Fee:            1.25%

You’re considering if now is the right time to sell. Another tenancy? Try the sales market? BoE and Liz Truss did their best to make you question if you will achieve the price you want.

 

Yearly house price growth is still over 5%, but the number of buyers has shrunk as lenders become temporarily more stringent in their affordability testing.

 

You elect to try Adjoin. You offer the tenant the Try Before You Buy Scheme.

 

Assuming property prices rise by ~5% a year, the property will be worth £550,000 by the end of their tenancy.

 

You have only paid 5% for property management, 1/3 of London’s average.

 

You’ve given the tenant the option to buy the property anytime between months 21 and 23.

 

Month 22, they ask for an updated valuation. £545,000.

 

With Adjoin, you have received over £5,500 more in rent. The market and affordability have recovered, you’re receiving £45,000 more for the sale.

 

We have charged you 0% Sales commission as the tenant bought. Saving you over £6,750.

 

 

Sounds pretty good to us.

 

DisclaimersNo responsibility: The material and information contained in this page is for educational and general information purposes only. You should not rely upon the material or information on this page as a basis for making any financial or any other decisions. adjoin makes no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, suitability, or availability with respect to this page or the information, products, services or related numbers, tables, figures, external links contained on this page for any purpose. Any reliance you place on such material is therefore strictly at your own risk. Investment: adjoin is not a registered investment, legal or tax advisor or a broker/dealer. All investment/financial opinions expressed by adjoin are intended purely as educational material. Although best efforts are made to ensure that all information is accurate and up to date, occasionally unintended errors and misprints may occur. Past Performance: Past performance does not guarantee future results. You should not rely on any past performance as a guarantee of future investment performance. Returns will fluctuate.


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