Investor Overview

Buy for cash. Add value.
Sell smart. Repeat.

We buy undervalued London and South-East apartments that most buyers cannot: short leases, repossessions, probate sales and uninhabitable stock. We extend the lease, reconfigure the layout, and refurbish the property with our own renovation team. Twelve years of running that team is what makes the model work.

£500KOwn capital deployed
2Self-funded deals
100%Cash funded
60+Renovations / year
Our Strategy

We only buy where value can be created, not just paid for.

Every deal has at least two levers we can pull to raise value. Buying for cash lets us move quickly on the right stock. Doing the refurbishment ourselves lets us control the three costs that decide whether a deal works: labour, materials and time.

1

Acquire the right stock

We target short-lease flats, repossessions, probate sales and uninhabitable properties, where the seller is motivated and the market is thin. Cash purchase means we move fast, close on our terms, and avoid mortgage-driven timelines.

2

Extend the lease

Where the lease is short, we extend it. A statutory 90-year extension on a flat with under 80 years remaining is often the single biggest value uplift on the deal, and one that most buyers won't or can't do.

3

Reconfigure the layout

Rooms that do not work for a modern buyer get redrawn. Two-bed conversions, dual-aspect living space, better circulation, an en-suite where the layout allows. Small re-planning moves change how a flat feels far more than their cost suggests.

4

Fully refurbish, in-house

Bathrooms, kitchens, electrics, plumbing and decoration are all delivered by our own team. We are not an investor paying a builder. We are the builder, which is what lets us hold cost, quality and programme where an outside investor cannot.

5

Sell into a clean market

We present each finished property with professional staging, agent-ready photography, and clear compliance documentation (Gas Safe, electrical, warranty). Priced against local comps to sell within 8–12 weeks.

6

Recycle the capital

Proceeds from each sale roll into the next acquisition, one deal at a time. No over-leverage, no exposure spread across too many concurrent projects, and no compromise on the finish.

The Market Gap

We deliberately buy where the crowd cannot follow.

Every property we target is unmortgageable at the point of purchase, whether through a short lease, poor condition, probate or repossession. That one fact removes most of our competition. First-time buyers cannot borrow against them, chain buyers cannot proceed on them, and most investors are not set up to fix them. A cash buyer with its own renovation team has this market largely to itself.

Once the lease is extended, the layout reworked and the refurbishment finished, the same flat is mortgageable and ready to move into. That opens it to first-time buyers, the largest and most active segment of the UK market, with a clean legal pack and nothing left to do. We buy where competition is thin and sell where demand is deep.

Skin in the Game

Around £500,000 of our own capital is already at work.

Both current projects, 27 Cotelands and 30 Chepstow Road, are 100% cash funded from A&G Renovations' own company funds. No borrowing, no bridging, no investor money. Acquisition and refurbishment across the two deals comes to roughly £500,000. The full risk sits with us.

We intend to open co-investment on future deals only once these two have sold and proved the model, and we will continue committing our own capital to every deal alongside anyone else's.

Property investing has no shortage of promoters who take an arrangement fee and move on. We spent over a decade renovating London homes for paying clients before we bought our first property to sell, and we fund every deal ourselves before asking anyone else to come in.

Deal Analyses

Every deal, documented in full.

Every property is analysed to the same format, covering acquisition costs, project costs, exit costs, ARV, net profit, ROI and a set of health checks applied to every deal. Our live and recent projects are below.

27 Cotelands
On the Market
Croydon, London · CR0 5UD

Deal thesis

Cash-acquired leasehold flat in Croydon, bought off-market at a discount to the local comparable. Purchased as a full-refurb opportunity with a short lease, which we extended during the works. Bathroom, kitchen, electrics and decoration all completed by A&G's own team.

The numbers

£274KAll-in acquisition
£65KRefurb + lease
£420KTarget sale (ARV)
£70.6KNet profit

Health checks

  • Margin on ARV (target ≥15%)16.8%
  • ROI on total costs20.2%
  • Equity created (ARV − Acquisition)£146,000
  • Break-even sale price£349,400
  • 70% rule (Max Allowable Offer)Over MAO but still profitable

Status

Refurbishment complete. Marketed with a local agent at £420,000, supported by comparable sales in the immediate area. Sale expected within 8–12 weeks of listing.

View full case study →
30 Chepstow Road
In Progress · Acquiring
Croydon, London · CR0 5JA · with Garage 112

Deal thesis

Cash purchase at auction with a garage included in the lot. Share of freehold transfers on completion, which keeps the lease extension inexpensive. Analysed across four refurbishment and ARV scenarios (£35–40K refurb against £220–240K ARV), progressing to the higher-finish £240K target.

The numbers (target scenario)

£154KAll-in acquisition
£38KRefurb + holding
£240KTarget sale (ARV)
£41.2KNet profit

Health checks

  • Margin on ARV (target ≥15%)17.2%
  • ROI on total costs20.7%
  • Break-even sale price£198,800
  • Freehold transferTo confirm in writing before exchange
  • Asbestos surveyCommissioned pre-refurb

Status

Currently in legals. Share-of-freehold transfer confirmation, asbestos survey and Fire Risk Assessment scheduled ahead of completion. Refurbishment starts on the day keys are handed over.

View full deal analysis →

Completed deal case studies will appear here as each project sells and settles. Every future case study will be published in this same format.

Why A&G

An operator, not an intermediary.

A&G is a working domestic renovation business completing 60 to 70 bathroom, kitchen and full-refurbishment projects a year across London. The property arm is built on that operation. We know the trades, the materials, the realistic timelines, and what each one costs when it goes wrong.

Alongside the trade experience sits deliberate study of the investment side, covering acquisition strategy, valuation, planning, lease extension, tax and exit.

Andrius Grisanovas on twelve years of A&G Renovations

Founder Andrius Grisanovas holds a degree in Business Administration and City & Guilds qualifications in domestic plumbing, the UK's most recognised vocational standard.

Why Now

The London market suits our model right now.

Interest rates, flat transaction volumes and a growing pool of short-lease flats have combined to produce motivated sellers and unusually thin bidding on the stock we buy.

Signal 01

Short-lease supply

Rising numbers of London leasehold flats now sit under 80 years, off-limits to most mortgage lenders, but ideal for a cash buyer with lease-extension expertise.

Signal 02

Auction repossessions

Repossessions and forced sales are trickling back into UK auctions after the rate-cycle shift, providing consistent access to below-market stock.

Signal 03

Probate backlog

The probate backlog has left many properties inherited but unmodernised, with executors motivated to sell and few competing bidders.

Signal 04

Refurb cost inflation

Refurbishment costs have risen faster than sale prices, which punishes amateur flippers and rewards anyone who controls labour and materials directly.

Co-Invest with A&G

Interested in joining future deals?

Once our first two self-funded projects sell and settle, we will open a small number of future deals to co-investors on a profit-share basis, with A&G capital committed to every project alongside theirs.

We are not raising money publicly at this time and no returns are quoted here. If you would like to be invited to preview future deals when they open, please register your interest and we will be in touch privately.

  • Same deal-analysis format on every future opportunity, before you commit.
  • A&G capital continues alongside investor capital on every deal.
  • Full documentation, downside modelling and health checks shared up front.
  • You choose which deals to participate in, one at a time.

Register your interest

We'll add you to our private preview list. No obligation, no marketing.

Thank you. We've received your details and will be in touch when the next opportunity opens.