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Low entry point · Monthly payment plan

Own UK property by building your deposit monthly.

The payment plan spreads the cost of an off-plan property across the months it takes to build, so you can invest without a large deposit at the outset. You reserve with 5%, then build the rest of your deposit in monthly payments across the build, typically twenty-four months. At completion we arrange the mortgage for the remaining 70%, and the property is let and managed end to end by our in-house team.

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5% reservation

No large upfront deposit required

How it works

Property investment, made affordable.

Our payment plan is distinctive in the property investment market. It is perfectly suited to clients without large lump sums accessible, or those who'd prefer to keep existing investments where they are.

Reservation

Simply pay a 5% reservation deposit, securing your property at today's off-plan price.

Monthly payments

The balance of your deposit is then divided by the number of months the development will take to build and is paid on a monthly basis, typically 24 months. Allowing you the time to build a 30% deposit.

Completion

At completion, we'll arrange your mortgage for the remaining 70%.

Lettings & yields

Our in-house lettings team sources a tenant and the rental income, with yields of up to 8%, pays down the mortgage.

Illustrative breakdown

An illustrative payment breakdown.

An illustrative breakdown, based on Georgian Square, our Zero Bills development in Wisbech, where homes start from £800 a month. Actual prices and terms vary by development and are confirmed at enquiry.

Georgian Square, Wisbech

From £800

per month, across the build

Payment term

Up to 55 months

Built to the Zero Bills standard with Octopus Energy, so the home carries no energy bills for ten years.

This is for illustrative purposes only. Exact price and terms vary by home and are confirmed at enquiry.

Reserve your home

No large lump sum and no mortgage to begin

£0to start

Pay monthly across the build

From £800 a month, spread across up to 55 months

£800/mo

Mortgage at completion

We arrange the mortgage, place a tenant and let the rental income carry it

On completion

Get my custom plan →

The advantages

A structured, fully managed route into UK property.

Being a totally hands-off investment, it's also an ideal option for those who are keen to diversify but simply don't have the time. Right from reservation, through the build period and on to rental management, the whole process is managed by our specialist, in-house teams.

No lump sums

Keep your capital working elsewhere. You don't need to lock away a large deposit years before the build completes.

Locked-in equity

Secure the property at today's price on reservation and benefit from any capital growth across the build period.

Manageable cash flow

Budget with affordable monthly payments rather than a single, capital-heavy commitment up front.

Comparison

Prosperity vs. traditional investing.

How our structured monthly payment plan compares with a traditional off-plan or buy-to-let purchase.

Feature

Traditional purchase

Prosperity payment plan

Upfront cash required

25-35% deposit (£50,000+)

5% reservation, from £10,000

Monthly commitment

None until completion

Deposit spread monthly across the build

Capital lock-up

Full deposit locked for 12-24 months

Gradual, staged capital deployment

Tenant sourcing & handover

Handled by the investor or agency

Fully managed by our in-house lettings team

Build updates

Sporadic or none

Quarterly video site updates

“

As a single mother approaching my forties, my pension was something I kept pushing to the back of my mind, so Prosperity's no lump sum was an attractive option for me. The process was simple and easy to understand with no complicated payment structures or technical financial detail.

Seng Ja Hong

Investor · Beijing

Get started

Calculate your personal plan.

Speak to an investment consultant for a tailored monthly payment breakdown against our current UK developments, including illustrative rental yields and completion timelines.

+44 (0)121 237 4610