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We don’t disappear at completion

Financing, letting, management and long-term portfolio support — the part most sourcers skip.

Completion isn’t the finish line — it’s the start of the part that actually makes you money. Too many sourcing companies collect their fee and disappear the day you exchange. We stay: through financing, letting, management and the long-term shaping of your portfolio.

Here’s exactly what happens once you’ve decided to proceed — and everything we keep doing long after the keys change hands.

From decision to completion

Step 1

Reservation

You reserve the property with a reservation fee, taking it off the market while the legal process runs. We confirm the terms in writing first — nothing is a surprise.

Step 2

Onboarding & AML

Your solicitor is instructed and anti-money-laundering checks are completed. We hand over six months of statements and ID once, cleanly, and coordinate everyone so it moves quickly.

Step 3

Legals & exchange

Contracts, searches and enquiries are worked through by your conveyancer. Exchange typically follows in around a month, at which point your purchase is secured.

Step 4

Completion

Funds move, title transfers, and the property is yours. For off-plan purchases, completion follows practical completion of the build, with a snagging inspection before you accept it.

Your first 12 months as a landlord

Completion is day one, not the finish line. Here’s the real rhythm of obligations and check-ins across a first year — the ones we handle for you within full management, laid out so you know what’s actually involved.

Day 1Completion

Keys change hands

Buildings insurance must be in place from this exact day — not “from when you get round to it.” Meter readings are taken and the property is legally yours.

Week 1–2Letting

Referencing & Right to Rent

If the property isn’t already tenanted, referencing and Right to Rent checks are completed before anyone moves in — a legal requirement, not a formality.

Month 1Deposit

Deposit protected

Any deposit taken must be placed in a government-backed scheme within 30 days of receipt, with the prescribed information given to the tenant.

Month 2Safety

Gas Safety Certificate

Must be valid before a tenancy starts and renewed every 12 months by a Gas Safe engineer — one of the few checks with zero tolerance for lapsing.

Month 4–5Compliance

EICR timing check

An Electrical Installation Condition Report is required at least every 5 years. Worth confirming early when the current one expires, rather than discovering it later.

Month 6Finance

Mortgage rate review

If you’re on a fixed rate ending within the year, this is when to start comparing remortgage options — 3–6 months ahead of expiry, not after you roll onto the lender’s standard variable rate.

Month 9Tax

Start gathering records

Rental income and allowable expenses for the UK tax year (6 April–5 April) need collating well before the Self Assessment deadline — not the week before.

31 JanDeadline

Self Assessment due

Tax return and payment deadline for the previous tax year. Non-resident landlords registered under the NRLS still file, even though rent is often paid gross.

Month 12Anniversary

Renewal & rent review

Buildings insurance renews, and if the tenancy allows a rent review, this is typically the first point one applies — under the Renters’ Rights Act, only once a year, via a formal Section 13 notice.

What we handle after completion

The whole point of BlackRidge is that you have one team across the entire journey — not four disconnected companies you have to chase.

Mortgage & finance

Our finance team arranges buy-to-let and specialist lending — including for overseas and expat investors — and reviews your rate ahead of every renewal so you’re never sitting on an expensive reversion.

Lettings & management

We get the property tenanted and fully managed — marketing, referencing, compliance, rent collection and maintenance — so your income is genuinely hands-off, wherever in the world you are.

Portfolio optimisation

As your portfolio grows we review performance, refinancing opportunities, and when it makes sense to release equity and reinvest — the difference between owning properties and building wealth.

Ongoing support

One point of contact who knows your name and your goals — for the questions, the paperwork, the next purchase, and everything in between, for as long as you invest with us.

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Running the investment

The practical things every landlord needs to stay on top of — we’ll point you to the right specialist for each.

Tax & accounting — non-resident landlords can receive rent gross under the NRLS once registered, and UK rental income is declared through Self Assessment. We’ll introduce a property-savvy accountant.
Compliance — gas safety, electrical (EICR), EPC and, for HMOs, licensing and room standards — all handled within full management.
Insurance — landlord buildings and, where relevant, contents and rent-guarantee cover arranged.
Reporting — clear statements so you always know what your property is earning, net.

Buying from overseas?

Sourcing, legals, financing and management can all be handled remotely — most of our investors never need to fly in. This is exactly the end-to-end support that makes that possible.

Talk to us about your goals

BlackRidge Global provides property sourcing and introduces regulated partners for mortgage, legal, tax and management services; we do not ourselves provide regulated financial, tax or legal advice. Always take independent advice. Property values and rents can fall as well as rise and your capital is at risk.

For the long term

“The deal isn’t the finish line — it’s the start of the relationship. We’re still here long after the keys change hands.”

Already own, or about to?

Whether you bought through us or not, we can help you manage, let and optimise your UK portfolio — and spot where it could work harder.

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