Important Information
Important Information
Important Information
Last updated: 2 October 2026
Property Thesis is designed to help property investors research, structure and understand potential property investment opportunities.
Property Thesis is designed to help property investors research, structure and understand potential property investment opportunities.
This page contains important information about how Property Thesis should, and should not, be used.
This page contains important information about how Property Thesis should, and should not, be used.
1. Property research, not investment advice
1. Property research, not investment advice
Property Thesis is a property research and analysis service.
Property Thesis is a property research and analysis service.
Unless expressly stated otherwise, information, calculations, reports, Property Theses, Property Expert Assessments and other content provided through Property Thesis do not constitute investment advice or a personal recommendation to buy, sell or retain a property.
Unless expressly stated otherwise, information, calculations, reports, Property Theses, Property Expert Assessments and other content provided through Property Thesis do not constitute investment advice or a personal recommendation to buy, sell or retain a property.
Property Thesis does not make the investment decision for you.
Property Thesis does not make the investment decision for you.
You remain responsible for deciding whether a property and investment strategy are appropriate for your circumstances.
You remain responsible for deciding whether a property and investment strategy are appropriate for your circumstances.
2. Calculations and assumptions
2. Calculations and assumptions
Property Thesis uses defined calculation methodologies together with information and assumptions entered by you or otherwise identified within the service.
Property Thesis uses defined calculation methodologies together with information and assumptions entered by you or otherwise identified within the service.
Results can change materially when assumptions change.
Results can change materially when assumptions change.
Examples include:
Purchase price
Deposit
Mortgage or bridging finance
Interest rates
Rental income
Refurbishment costs
Property value
Refinance assumptions
Selling costs
Holding periods
Tax assumptions
Examples include:
Purchase price
Deposit
Mortgage or bridging finance
Interest rates
Rental income
Refurbishment costs
Property value
Refinance assumptions
Selling costs
Holding periods
Tax assumptions
You should review the assumptions behind a Property Thesis rather than relying only on headline figures.
You should review the assumptions behind a Property Thesis rather than relying only on headline figures.
3. Property values and rental estimates
3. Property values and rental estimates
Any property value, rental value, end value, refinance value or similar figure used within Property Thesis may be an estimate or assumption.
Any property value, rental value, end value, refinance value or similar figure used within Property Thesis may be an estimate or assumption.
An estimated property value is not a formal valuation.
An estimated property value is not a formal valuation.
A rental estimate is not a guarantee that the property can be let for that amount.
A rental estimate is not a guarantee that the property can be let for that amount.
An estimated end value following refurbishment is not a guarantee that a surveyor, lender or purchaser will agree with that valuation.
An estimated end value following refurbishment is not a guarantee that a surveyor, lender or purchaser will agree with that valuation.
Where an investment case depends materially on a particular value or rent, you should obtain appropriate independent evidence.
Where an investment case depends materially on a particular value or rent, you should obtain appropriate independent evidence.
4. Refurbishment and project costs
4. Refurbishment and project costs
Refurbishment, maintenance and project costs shown within Property Thesis may be estimates.
Refurbishment, maintenance and project costs shown within Property Thesis may be estimates.
They are not contractor quotations and actual costs can differ materially because of specification, location, property condition, labour costs, materials, unforeseen works and other factors.
They are not contractor quotations and actual costs can differ materially because of specification, location, property condition, labour costs, materials, unforeseen works and other factors.
Appropriate quotations and professional advice should be obtained before committing to significant works.
Appropriate quotations and professional advice should be obtained before committing to significant works.
5. Finance and refinancing
5. Finance and refinancing
Mortgage, bridging and refinance calculations are illustrations based on the assumptions used within the Property Thesis.
Mortgage, bridging and refinance calculations are illustrations based on the assumptions used within the Property Thesis.
They are not mortgage offers and do not guarantee that finance will be available.
They are not mortgage offers and do not guarantee that finance will be available.
Actual borrowing can depend on factors including:
Property type and condition
Valuation
Rental income
Loan-to-value limits
Interest coverage or rental stress testing
Applicant circumstances
Lender criteria
Interest rates and fees
Market conditions
Actual borrowing can depend on factors including:
Property type and condition
Valuation
Rental income
Loan-to-value limits
Interest coverage or rental stress testing
Applicant circumstances
Lender criteria
Interest rates and fees
Market conditions
Where both loan-to-value and rental affordability constraints are relevant, the amount available may be limited by the lower applicable amount.
Where both loan-to-value and rental affordability constraints are relevant, the amount available may be limited by the lower applicable amount.
6. Tax and Stamp Duty Land Tax
6. Tax and Stamp Duty Land Tax
Tax and Stamp Duty Land Tax calculations or estimates within Property Thesis are provided for research and modelling purposes.
Tax and Stamp Duty Land Tax calculations or estimates within Property Thesis are provided for research and modelling purposes.
They do not constitute tax advice.
They do not constitute tax advice.
Tax treatment depends on individual circumstances, ownership structure, property use, residency and applicable legislation.
Tax treatment depends on individual circumstances, ownership structure, property use, residency and applicable legislation.
Tax rules and rates can change.
Tax rules and rates can change.
Where tax treatment is material to an investment decision, appropriate professional tax advice should be obtained.
Where tax treatment is material to an investment decision, appropriate professional tax advice should be obtained.
7. Thesis Readiness
7. Thesis Readiness
Thesis Readiness measures how complete and validated the information supporting a Property Thesis is within the Property Thesis process.
Thesis Readiness measures how complete and validated the information supporting a Property Thesis is within the Property Thesis process.
It is not an investment score.
It is not an investment score.
A higher Thesis Readiness score does not mean that:
The property is a better investment
Property Thesis recommends the investment
The investment will be profitable
Finance will be available
All risks have been identified
A higher Thesis Readiness score does not mean that:
The property is a better investment
Property Thesis recommends the investment
The investment will be profitable
Finance will be available
All risks have been identified
It means that more of the information supporting the investment case has been completed or validated.
It means that more of the information supporting the investment case has been completed or validated.
8. Property Expert Assessments
8. Property Expert Assessments
A Property Expert Assessment provides a human review of a completed Property Thesis.
A Property Expert Assessment provides a human review of a completed Property Thesis.
It may help identify assumptions, evidence, questions or areas that warrant further investigation.
It may help identify assumptions, evidence, questions or areas that warrant further investigation.
It is not:
Approval of the investment
A recommendation to purchase
Regulated investment advice
Regulated mortgage advice
A formal property valuation
A building or structural survey
Legal advice
Tax advice
It is not:
Approval of the investment
A recommendation to purchase
Regulated investment advice
Regulated mortgage advice
A formal property valuation
A building or structural survey
Legal advice
Tax advice
The investor remains responsible for the investment decision and appropriate due diligence.
The investor remains responsible for the investment decision and appropriate due diligence.
9. Artificial intelligence
9. Artificial intelligence
Property Thesis may use artificial intelligence to assist with explanations, summaries, research and other supporting content.
Property Thesis may use artificial intelligence to assist with explanations, summaries, research and other supporting content.
Core financial calculations are performed using defined calculation methodologies and stored assumptions.
Core financial calculations are performed using defined calculation methodologies and stored assumptions.
Artificial intelligence may help explain or contextualise those calculations but is not intended to replace the underlying calculation engine.
Artificial intelligence may help explain or contextualise those calculations but is not intended to replace the underlying calculation engine.
AI-generated or AI-assisted content can contain errors and should not be treated as independently verified professional advice.
AI-generated or AI-assisted content can contain errors and should not be treated as independently verified professional advice.
10. Due diligence
10. Due diligence
Property Thesis is designed to support due diligence, not replace it.
Property Thesis is designed to support due diligence, not replace it.
Depending on the property and transaction, appropriate investigation may include:
Legal conveyancing
Title checks and searches
Building or structural surveys
Property valuation
Rental appraisal
Planning checks
Licensing checks
Building regulations
Insurance
Contractor quotations
Tax advice
Mortgage or finance advice
Other appropriate professional advice
Depending on the property and transaction, appropriate investigation may include:
Legal conveyancing
Title checks and searches
Building or structural surveys
Property valuation
Rental appraisal
Planning checks
Licensing checks
Building regulations
Insurance
Contractor quotations
Tax advice
Mortgage or finance advice
Other appropriate professional advice
You should determine what professional investigation is appropriate before entering into a transaction.
You should determine what professional investigation is appropriate before entering into a transaction.
11. Investment risk
11. Investment risk
Property investment involves risk.
Property investment involves risk.
Property values can fall as well as rise.
Property values can fall as well as rise.
Rental income, occupancy, interest rates, finance availability, refurbishment costs, project timescales, tax treatment and market conditions can change.
Rental income, occupancy, interest rates, finance availability, refurbishment costs, project timescales, tax treatment and market conditions can change.
Projected returns and scenario calculations are based on assumptions and are not guarantees of future performance.
Projected returns and scenario calculations are based on assumptions and are not guarantees of future performance.
12. Property finance
12. Property finance
Property Thesis may provide a route to request help with property finance.
Property Thesis may provide a route to request help with property finance.
Where you choose to request regulated mortgage or financial advice, you may be introduced to Home Group Financial Ltd or another appropriately identified provider.
Where you choose to request regulated mortgage or financial advice, you may be introduced to Home Group Financial Ltd or another appropriately identified provider.
Any regulated advice is provided separately under that firm’s own regulatory status, terms and client process.
Any regulated advice is provided separately under that firm’s own regulatory status, terms and client process.
Property Thesis itself remains a property research and analysis service.
Property Thesis itself remains a property research and analysis service.
13. Your decision
13. Your decision
Property Thesis exists to help you know the numbers, understand the assumptions and investigate an opportunity more thoroughly before you invest.
Property Thesis exists to help you know the numbers, understand the assumptions and investigate an opportunity more thoroughly before you invest.
It does not replace your judgement or appropriate professional advice.
It does not replace your judgement or appropriate professional advice.
The final decision to proceed with a property investment remains yours.
The final decision to proceed with a property investment remains yours.
14. Further information
14. Further information
Please also read:
Terms of Use & Membership
Privacy Policy
Cookie & Storage Policy
Please also read:
Terms of Use & Membership
Privacy Policy
Cookie & Storage Policy
For questions about Property Thesis:
For questions about Property Thesis:
Email: hello@propertythesis.co.uk
Email: hello@propertythesis.co.uk