UK Property Investment
How the payment plan works, from reservation to rental.
As someone who has lived and worked abroad extensively, I've contributed to several pension schemes. Prosperity lives up to its reputation, following a series of acquisitions, I feel confident this income-producing asset was the right decision for my pension.
What is off-plan?
Buy before the build completes. Lock in today's price, spread your deposit monthly, and benefit from capital growth before you even complete.
Explore off-plan investing →Off-plan in Birmingham
Our home city. Birmingham's regeneration, growing population and strong rental demand make it one of the UK's top locations for off-plan property investment.
View Birmingham developments →
What is off-plan property investment?
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Off-plan property investment means purchasing a property before it has been built, or while it is still under construction. You agree a price today, then pay your deposit in stages as the development progresses. At Prosperity Wealth, this is the foundation of our model: you access off-plan pricing with built-in equity from completion. Birmingham is our primary off-plan market, though we also operate in Nottingham, Derby and other high-growth UK cities.
How does the monthly payment plan work?
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Rather than paying a large lump-sum deposit upfront, Prosperity Wealth's payment plan lets you spread the deposit across the two-year build period in affordable monthly instalments. You start with a small reservation fee, then pay monthly until completion, at which point you can complete via mortgage, cash, or in some cases developer finance. There is no need for a mortgage during the build phase.
Do I need a mortgage to invest with Prosperity Wealth?
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No mortgage is required during the build period, that is one of the key advantages of the Prosperity Wealth payment plan. At completion, you have three options: complete with a standard buy-to-let mortgage, complete with cash, or, where available, use developer finance. The phrase "no mortgage required" refers to the build phase; whether a mortgage is needed at completion depends on which plan you choose. Our team will walk you through the options to find what fits your circumstances.
What are the upfront fees?
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There is no large lump-sum deposit to pay on day one. You begin by paying a reservation fee to secure your chosen property and your off-plan price. Your deposit is then split into manageable monthly payments spread across the build period. The £0 lump-sum deposit figure reflects the fact that you never need to produce the full deposit in one go, it is structured to be accessible without large cash reserves. Full details of what you pay and when are set out on our payment plan page.
How does rental assurance work?
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Prosperity includes a rental assurance arrangement from completion, so your property is let and managed from handover by BLOC Management, our in-house lettings and property division, which handles tenant sourcing, maintenance, rent collection and compliance on your behalf. Yields of up to 8% have been achieved across past developments, though rental income can vary and is not guaranteed, and the terms of the assurance are confirmed at enquiry.