Your savings should be working as hard as you do.
Hands free property investment built for medical and IT professionals, and anyone whose career leaves no room for managing buy to lets.
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There's more than one way to work with us.
Whether you want a property in your name, a fixed return on capital, or a share of the profit on a refurb. Pick the path that matches what you're looking for.
Hands Free Buy To Let
Hands free, end to end.
We find the property, negotiate the deal, run the refurb if needed, and hand you the keys to a tenanted, cash flowing buy to let in your name. The simplest way to add another property to your portfolio without giving up your weekends.
Lending at a Fixed Rate
For predictable income.
Lend us capital, earn a fixed annual return, get your money back at the end of the term. Your funds go into our own projects.
Profit Share
For bigger upside.
You fund the project, we do all the work. Sourcing, refurb, sale or refinance. Profit shared when it sells.
Not theoretical projections. Properties our clients actually own.
Every deal we source is underwritten with the same care we apply to our own portfolio. A recent purchase below, priced from the completion statement and the refurb invoices.
Three bed terrace, Boothen.
Modernised three bed close to Stoke train station, Royal Stoke Hospital and the A500. Secured at £126,420 against an asking price of £145,000. The £2,340 covered safety certificates, servicing, roof repairs and snagging. We underwrote the rent at £850 to be conservative. It is now tenanted at £895.
It comes down to maths.
If you want a buy to let that actually pays you each month, rental yield needs to outpace mortgage costs. London terraced houses cost £600k+ and rent for £2,000. That's a 4% gross yield, and after costs you're losing money.
Stoke-on-Trent terraced houses cost £100,000 to £130,000 and rent for £750 to £900. That's an 8%+ gross yield. Same property type, same tenant profile, very different sums.
Add HS2 connectivity to Manchester and London, ongoing town centre regeneration, and stable rental demand from local employers. The case for Stoke is straightforward.
Same tenant. Same effort. Better return.
We invest in Stoke because we live and work here.
Daryl spent his career in IT. Melissa came from healthcare. We both know what it's like to have a demanding job that pays well but consumes your time. We started buying property in Stoke-on-Trent in 2016 because the numbers worked. Yields that actually paid us each month, in a market we could understand.
Ten years in, we've built our own portfolio, refurbished dozens of properties, and learned what does and doesn't work in this town. None of that came from theory. It came from doing the deals ourselves first.
Daryl and Melissa won the Community Contributor Award at the Aspire Property Awards in 2024, and the Delegate's Choice Award, voted for by fellow members, in 2025.
Now we help other professionals build the same kind of portfolio. Without giving up their weekends, their evenings, or their sanity. Three services, three different ways to put your money to work in property, all designed for people who'd rather spend their free time on something other than a building site.
Trusted by people who chose us with their savings.
"Melissa and Daryl offer an outstanding service in Stoke. I found them to have in-depth knowledge of buy to let properties and the local area. They are reliable, friendly, and yet professional. Their communication was top notch throughout. They are the go-to team in Stoke."
"They take the time to explain things clearly and thoroughly, and they're always willing to answer any question, no matter how basic it might seem. Their approachable and patient style, combined with genuine expertise, makes them an ideal partner."
"It's been a pleasure to know Daryl and Melissa at DM Properties for over a year now and their knowledge on property investment is solid. If anyone is looking to expand their portfolio in property then DM Properties are highly recommended."
Everything you might want to ask.
If you're considering investing for the first time, these are the questions we hear most often. If yours isn't here, book a call and we'll answer it directly.
How much money do I need to get started?
For portfolio building, you'll typically need around £50,000 in cash to cover deposit, refurb, and fees on a typical Stoke buy to let. Private funding starts from £20,000. JV finance requires £100,000+ as you fund the entire project.
Every situation is different. The free online course walks through the numbers in detail, or book a call and we'll work out what's realistic for your position.
How long does it take from first call to keys?
For portfolio building, expect roughly six to seven months end to end. The reservation agreement commits us to bringing you a property opportunity within 90 days. Legal completion typically runs eight to twelve weeks after that. Any refurb and tenanting adds a further four to eight weeks.
Private funding and JV deals follow different timelines depending on the project.
What if I've never invested in property before?
Most of our clients are first time property investors. They're successful in their own field but new to property. That's why we built the free online course, to walk you through how Stoke buy to let works before you ever speak to us.
We don't expect you to know the jargon. We do expect you to ask questions, and we'll answer them properly.
What happens if a tenant doesn't pay?
Standard buy to let landlord risk applies. We work with established letting agents who reference tenants thoroughly, and we recommend rent guarantee insurance which is inexpensive and covers most scenarios.
Properties in our target rental bracket attract working tenants in stable jobs. Void periods and arrears do occur but rarely.
Why Stoke-on-Trent specifically?
Two reasons. First, the maths. Yields of 8% or more in Stoke versus 4% in London means your property actually pays you each month, not theoretically.
Second, we live and work here. We know which streets work, which don't, which trades are reliable, which agents return calls. Local knowledge in property is everything.
Are you regulated?
We're registered with the Property Redress Scheme (PRS038002) and the Information Commissioner's Office (ZB510823). Private funding and JV arrangements carry eligibility requirements, which we explain in full before any specific arrangement is discussed.
We always recommend taking independent legal advice before entering any financial arrangement, and we can introduce you to solicitors who specialise in this area.
What's the difference between your three services?
Portfolio Building means you own the property in your name. You receive rental income each month and any capital growth.
Private Funding means you lend us money and earn a fixed return. You don't own property.
JV Finance means you fund a single project, we run it, and we share the profit. The property remains in your name with a charge giving us protection during the project.
Private Funding and JV Finance: capital is at risk
Neither is a savings product and neither is protected by the Financial Services Compensation Scheme (FSCS). Returns are not guaranteed and your capital could be lost in part or in full. Full details are on each service page, and we'll talk through the risks openly on the discovery call.
Ready to put your savings to work?
Start with our free online course. Seven short lessons covering how investing in Stoke works, the numbers behind real deals, and the three ways we partner with investors. No obligation, no hard sell.