Show Notes
£145k Added Value & £1,800 a Month Cash Flow: Jules Copsey's Semi-Commercial Deal
Just £14,000 left invested after refinancing, with an eight-month payback from rental cash flow. In this episode of Property Entrepreneur's Deals, Deals, Deals, Mark Barrett welcomes Jules Copsey, someone he has known for 10 years, to share her journey into property and the numbers behind her semi-commercial deal in Chorlton. Based in South Manchester and a mother of two sons, Jules previously worked in fashion and sportswear, both for multinational businesses and through her own brands. She began her property journey in 2017, invested in her education and went on to help others build their portfolios through design-led projects focused on strong cash flow. She started building her own portfolio in her 50s. The deal Jules bought the property off-market on Barlow Moor Road, Chorlton, Manchester for £270,000. She refurbished the ground-floor shop and secured a commercial lease for six years and 11 months, with a three-year break clause, to a Pilates studio. Upstairs, she let the three-bedroom accommodation to three friends on one joint tenancy. Purchase, purchase costs and refurbishment came to around £385,000. With a further £50,000 in finance interest and fees, the total cost was around £435,000 against a valuation of £580,000, which is approximately £145,000 of added value above the total spend. After refinancing and paying all finance costs, Jules had just £14,000 left invested. At the reported net cash flow of £1,800 a month, that remaining investment could be recovered in approximately eight months. The key numbers • Purchase price: £270,000 • Purchase, purchase costs and refurbishment: around £385,000 • Finance interest and fees: £50,000 • Total project cost including finance: around £435,000 • Valuation: £580,000 • Added value above total project cost: approximately £145,000 • Total project cost as a proportion of valuation: 75% • Stamp duty paid: £3,000 • Gross rent: £49,560 a year / £4,130 a month • Reported net cash flow: £21,600 a year / £1,800 a month • Money left invested after refinancing and paying finance costs: £14,000 • Payback on the remaining investment: approximately eight months What we cover • Jules's move from fashion and sportswear into property. • Investing in education and helping others build their portfolios. • Her approach to design-led projects with strong cash flow. • Finding an off-market semi-commercial opportunity. • Combining a leased shop with residential accommodation upstairs. • The purchase, refurbishment, finance and refinance figures. • The stamp duty advantage of a semi-commercial purchase. • Jules's top three tips and advice for anyone starting out. The stamp duty difference Jules paid £3,000 in stamp duty. Using current rates, a £270,000 additional residential property would attract £17,000 in SDLT, a £14,000 difference. The comparison at the time of purchase depends on the rates and circumstances then. A note on the figures Total project costs of approximately £435,000 include £50,000 in finance interest and fees confirmed by Jules after recording. The £14,000 remaining investment is after those finance costs were paid. Figures are rounded. Added value means valuation less total project cost, not realised profit. The approximate eight-month payback assumes net cash flow continues at £1,800 a month. Get in touch with Jules • Email: [email protected] • Instagram: jules_copsey • Phone: 07757 049692
Jules would like to hear from investors with projects in the region of £150,000–£200,000 or more who want a design-led scheme, and from anyone with mixed-use deals or tired blocks of flats in and around Manchester. Listen to hear how Jules brought the deal together and the lessons she shares for others building their property portfolios. Follow Deals, Deals, Deals for more real property deals, the numbers behind them and the people making them happen.
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