About

My property journey began in April 2018. I was about to turn 40 and was working long hours as a consultant paediatric gastroenterologist at Sheffield Children’s Hospital. Although I had a healthy income from my medical career, I wanted an investment that would create a steady revenue stream, allowing me to cut back my hours and spend more time with my family.

I researched and considered a number of investment models, but decided that only property would deliver sufficient and sustainable returns in the long-term.

I spent a good six months researching the property market, from reading books on property investment and tax, to going along to property auctions as an observer.

I realised I would need my own power team so I employed the services of several professionals, including an accountant, a specialist mortgage broker and a solicitor before taking the first step. I then built relationships with local selling and letting agents, as well as finding good local tradesmen for each type of work – building, plastering, electrical, plumbing and handyman services.

As a full time consultant in the NHS I was already in the highest possible tax bracket, so I knew the most tax efficient strategy was to set up a limited company. Thus, WELL+H was born.

Between August 2018 and March 2019 I took my first steps into property development – investing in Houses of Multiple Occupation (HMOs). I released equity from our family home and cashed in my ISA savings to give myself a good cash base to start with. I managed to purchase these properties at around 10% below market value (BMV) through auction purchases and vendor fears over Brexit.

All properties were leveraged via a limited company buy-to-let (BTL) mortgage at 80% Loan to Value (LTV) ratio, and have multiple student tenants providing rental income and cashflow.

Having gained some hands-on experience with the HMOs, I then teamed up with friends and family on my next investments – various two and three bedroom properties in Sheffield requiring more extensive redevelopment. You can read more about my journey so far in issue 20 of Property Hub magazine, pages 22-25.

My experience thus far has shown that wealth can be increased by joining hands with interested parties for win-win ventures. Now I want to help others improve their own financial health and personal wellbeing through sharing my property expertise.

WELL+H isn’t just about property redevelopment and management – we specialise in running financial health check-ups, providing advice and guidance, offering secured loans and helping to facilitate connections for those wanting to start their own property investment journey.