Direct questions.
Plain answers.

We fund the work, obtain the consents, manage the site and hand the property back improved — and you keep the title throughout. Work is divided into defined stages, each certified by an independent surveyor before it is paid for.

That is the ordinary position, not an obstacle. There are nine routes to funding work on a property you already own, from a further advance on your existing mortgage to an arrangement where you contribute nothing at all and share the increase in value.

Each stage is certified by an independent surveyor before it is paid for, and only then does the next stage begin. Nothing is paid in advance of completed work.

A milestone contract, where you pay stage by stage and keep the entire benefit of the scheme. An uplift share, where you pay nothing and we share the increase in value. An option or promote agreement for land, where we pursue planning at our cost. Or lease and improve, where we take a lease, refurbish at our cost and pay you a guaranteed rent.

We review the information you provide and explain the next step. An enquiry is a lead only — it does not move money or create a commitment.

Yes. We work with councils, housing associations and institutional partners from tender identification through bid, award, delivery and renewal, with the record-keeping that public procurement requires.

In the United Kingdom we may only discuss investment with people who meet defined statutory criteria. That material is available on request rather than published on this website.

OIKIA applies UK GDPR-aligned principles, controlled access and defined retention. Sensitive identity, bank and payment information is represented by secure provider references rather than stored in plain CRM fields.