Flex-Sell: A Fixed Future Sale Price for Your Portfolio

What Flex-Sell actually is

Flex-Sell puts two numbers in writing before anything starts: the fixed monthly rent you will receive for a 3 to 5 year corporate lease, and the fixed price at which you can sell the property to us at the end of that term. Both figures sit in the same agreement. Both are documented before the lease begins. Both are reviewed by your solicitor before you sign anything.

It is worth being equally clear about what Flex-Sell is not. It is not a purchase offer. We do not buy your property when the agreement is signed, and we do not buy it at any point during the lease. You retain legal title throughout: your name stays on the Land Registry for the full term. The fixed price only becomes a sale if you choose to execute it when the term ends. If you don't, nothing happens: the price simply lapses, and you keep your property.

The structure exists for a specific situation: a landlord who is thinking about selling but is not ready to sell today. Selling now means taking whatever the market says on the day, managing tenants and compliance right up to completion, and making a decision with tax consequences under time pressure. Flex-Sell separates those problems. The income starts now. The price is settled now. The decision to sell waits until the end of the term, and stays yours.

Who Flex-Sell is designed for

The landlord this was built for owns somewhere between 5 and 15 properties, usually across London or the South East, usually accumulated over fifteen or twenty years. He has been thinking about selling for a while, not because the portfolio is failing, but because he is done with it. The management, the compliance, the calls.

But every time he looks seriously at selling, two things stop him. The first is tax: disposing of a portfolio is one of the larger taxable events of a landlord's life, and doing it all at once, without planning, feels reckless. The second is effort: selling ten properties individually means ten sets of viewings, ten buyers, ten surveys, ten chains. That is months of work per property, spread over years, while he keeps managing the lot in the meantime.

So he does what most landlords in that position do: nothing. The portfolio keeps running, the decision keeps sliding, and the work he wanted to escape carries on.

Flex-Sell is built to break that stalemate. The corporate lease takes the work away immediately: zero calls, zero maintenance decisions, zero contact with occupants, for the full 3 to 5 year term. The fixed price settles the exit number now, so the eventual decision is made against a known figure rather than a guess. And because the sale is optional, choosing Flex-Sell today does not commit him to selling at all.

And to be equally honest about who it is not for: if you want to stay hands-on with your properties, or you want to keep optimising the rent figure year by year, Flex-Sell is the wrong structure, and we will say so in the first call.

How the fixed price is agreed

The price is agreed before the lease begins. It is not estimated at signing and "reviewed" later, and it is not negotiated at the end of the term when your leverage is lowest. The sequence is deliberate:

1. Assessment. We assess each property in the portfolio: condition, location, and the housing provider placements it suits. This is the same assessment that produces your rent figure.
2. Both figures in writing. We put the fixed monthly rent and the fixed future sale price to you in writing, per property. A number, not a range.
3. Documented in the agreement. The fixed price is written into the agreement alongside the lease terms. It is not a side letter or a verbal understanding; it is a contractual provision.
4. Legal review. Your solicitor reviews the corporate lease and the fixed-price provision before you sign. We expect this, and nothing proceeds without it. This is a clear, documented process with legal review at every stage.

Before any of this is signed, we also disclose who will be living in your properties: occupants are placed by a vetted housing association, CIC, or supported living provider, and we name the provider before anything is signed.

What happens during the 3 to 5 year term

During the term, Flex-Sell works exactly like our corporate lease, because it is one. Corporate lease, not an AST: contract law governs, and the Housing Act 1988 does not apply. The tenant on your lease is Total Housing Group — a company, not an individual. That is why the Renters' Rights Act 2025 does not apply to the tenancy. The Act governs individual residential tenancies; yours is a corporate one.

Your rent is effectively guaranteed because of where the money comes from: the housing provider's funding is drawn from local authority contracts, housing benefit, and government care packages, not from a private tenant who might lose their job. That funding mechanism, not a marketing promise, is what makes the income near-guaranteed. It also means the rent arrives through voids: if a property sits unoccupied between placements, your payment does not change.

What the term looks like from your side:

• Zero calls, zero decisions, zero contact with occupants — for the full 3 to 5 year term. Day-to-day management, maintenance coordination, and occupant liaison all sit with us.
• One fixed payment per property, every month. The figure agreed at assessment, on the same day each month.
• You retain ownership, and nothing else. Your name on the Land Registry, buildings insurance and structural responsibility with you, everything operational with us.

What happens at the end of the term

At the end of the 3 to 5 year term, you have three options, and the choice is entirely yours:

1. Execute the pre-agreed price. Sell to us at the figure fixed in the agreement before the lease began. Standard conveyancing, your solicitor acting for you, on the number you have known since day one.
2. Renew the lease. If the income without involvement suits you, the corporate lease can continue for a further term.
3. Return to self-management. Take the properties back and manage or sell them yourself on the open market. The fixed price lapses; no penalty, no obligation.

We contact you before the end of the term to walk through all three. There is no default that quietly commits you to a sale; executing the price requires your active decision.

What Flex-Sell costs you

A structure that gives you certainty on both income and exit price has to cost something, and it is better you hear the costs from us than discover them later:

• The rent is fixed below your open-market ceiling. You are trading the top of the market for a figure that arrives every month regardless of occupancy. If your priority is squeezing the maximum rent from each property, this is the wrong product.
• You are locked in for 3 to 5 years. No optimising the rent figure upward mid-term, and no short-term flexibility. The term is the term.
• The fixed price trades certainty against possible upside. If the market rises above your fixed price during the term, that gap is the cost of having had the number settled. If the market falls below it, the fixed price works in your favour. Either way, you exchanged uncertainty for a known figure. That is the deal, stated plainly.

Landlords who value time and certainty over the last pound of rent or sale price tend to find this trade worth making. Landlords who don't, shouldn't, and we will tell you which we think you are in the first call.

A note on tax

Timing a sale has tax consequences, and the right timing depends on your circumstances: your other disposals, your reliefs, how the portfolio is held. We do not give tax advice, and nothing on this page is tax advice. Speak to your tax adviser before agreeing any exit structure. What we will do is document whatever structure your adviser recommends: the fixed price and term give your adviser a known figure and a known date to plan around, which is precisely the information a sell-everything-now approach cannot offer.

The process: qualification first

We qualify before we pitch; wrong fits cost everyone time. Before we go any further than a first conversation, we ask 5 questions: how many properties you have, where they are, your current situation, your timeline, and what you want at the end of the term. Flex-Sell needs a minimum of 2+ properties; the landlords it fits best hold 5 to 15.

The first call is diagnostic, not sales. If the answers say Flex-Sell is wrong for you (you want to stay involved, you want to sell everything this year, you want the absolute top of the market), we say so on that call, and we part on good terms.

If it is the right fit, the typical timeline is 28 days from first call to first payment: assessment, both figures in writing, your solicitor's review, provider disclosure, signing, and the first month's rent. The fixed exit price then waits at the end of the term, yours to use or not.