Legal & Information

FAQs, Privacy
& Legal

The Basics
What exactly do you do? +
We help people sell their property when the normal estate agent route is not working for them. Instead of just one way to sell, we offer six different options depending on your situation — from buying it ourselves in 30 days, to finding you a buyer at close to full price, to covering your mortgage while you figure out your next move. We listen first, then explain every option honestly, with clear numbers and no pressure.
How quickly can you actually complete? +
If we buy your home ourselves with our own cash, we can aim to complete in as little as 28 to 30 days from the point we agree a price — subject to the usual searches, survey, and legal checks. If we are finding you a buyer instead, that typically takes 8 to 12 weeks. The Secure Sale Method usually completes within 28 days from exchange. We always give you a realistic timeline upfront — we never overpromise just to get you started.
Do I need to pay anything upfront? +
No — nothing. Our initial consultation is completely free. For a direct cash purchase there are no fees at all to you. For an assisted sale, we cover your estate agent fees and solicitor costs, and we only take our fee from the sale proceeds when the deal completes. You never put your hand in your pocket before a sale goes through.
Is your offer guaranteed once made? +
Our initial offer is subject to a survey, searches, and legal checks — just like any property purchase. Once those are done and everything checks out, the offer is confirmed. We are always honest with you — if a survey finds something unexpected, we discuss it openly before making any decision. We never surprise you with a last-minute price drop on the day of completion.
What areas do you cover? +
We work across the UK. Our main areas are the North East, West Midlands, South Wales, Yorkshire, and the North West — but we look at properties nationwide. If you are not sure whether we cover your area, just give us a call or send a message and we will tell you straight away.
Your Six Options — Plain English
Option 1 — We Buy It. How does that work? +
Simple. We buy your home directly using our own money. No mortgage, no chain, no third-party buyer to find. You agree a price with us, we instruct solicitors on both sides, do the usual checks, and complete on a date you choose. Typically 28 to 30 days. No estate agent fees. No viewings. No strangers. The money goes straight to you on completion day.
Option 2 — We Find You a Buyer. What is the difference from using an estate agent? +
With a normal estate agent you pay their fees whether they sell it or not, viewings can drag on for months, and chains collapse all the time. With us, we find a chain-free buyer, cover your estate agent fees and your solicitor costs, and we only take our fee from the sale proceeds when it actually completes. We aim to get you as close to your asking price as possible — typically within 8 to 12 weeks. You pay nothing unless and until your home sells.
Option 3 — Not Ready to Sell Yet. What does this actually mean? +
This is for people who are stuck — maybe you owe more on your mortgage than the house is worth, or you just are not ready to move yet but want a plan in place. We agree a price with you today, then we take over the property — covering your mortgage payments — and complete the purchase at a future date you are comfortable with. Usually somewhere between 3 and 5 years away. You are not forced to sell. Nobody evicts you. You just have a clear plan and the mortgage stress goes away.
Option 4 — The Secure Sale Method. What is it in plain English? +
This is for sellers who want speed AND close to full market value — and will not take a big discount. We use a specialist sale method where your property gets full market exposure, a reserve price you set, and on the day a buyer is found, contracts are exchanged immediately with a non-refundable deposit. That means the buyer legally cannot walk away. Average completion from exchange is around 28 days. You set your own completion date. The whole thing costs you nothing — all fees are paid by the buyer. We handle everything and refer you to our specialist sale partner who manages the process from there.
Option 5 — Keep Your Property, Get Paid Monthly. Is this a sale? +
No — you keep the property. We lease it from you and pay you a guaranteed fixed monthly amount whether the property is occupied or not. We manage everything — tenants, maintenance, repairs. This suits landlords who are tired of the hassle but do not want to sell, or property owners who want regular income without the stress of managing it themselves. Everything is set out in a written lease agreement so you always know where you stand.
Option 6 — Discreet Private Sale. What makes it private? +
Your property never appears on Rightmove, Zoopla, or any other website. There is no For Sale board outside your home. We go directly to our private network of serious cash buyers — people we already know and have worked with. No strangers calling, no viewings you did not agree to, no neighbours knowing your business. Typical completion is 28 to 56 days. This suits people going through a divorce, dealing with a family situation, or simply wanting complete privacy.
Difficult Situations
I owe more on my mortgage than the house is worth. Can you still help? +
Yes — this is exactly the kind of situation we deal with. You have options even in negative equity. We can cover your mortgage payments and take control of the property while we agree a sale price for a future date when values have recovered. This means the debt pressure stops immediately and you have a clear exit plan. We will always give you an honest picture of what is achievable — including recommending independent legal or debt advice where it is in your best interest.
I am facing repossession. Is it too late? +
Contact us as soon as possible — the earlier we know, the more options you have. A direct cash purchase is usually the fastest route and can often complete before a repossession order is enforced. We will also recommend you take independent legal advice from a solicitor who specialises in repossession — there may be steps that can pause the process while a sale completes. Do not leave it — every day matters in this situation.
My property needs a lot of work. Will you still consider it? +
Yes. Properties that need refurbishment are exactly what many of our buyers are looking for. We take the condition into account when we make an offer — we will be honest about how the condition affects the price — but we will not walk away just because a property needs work. In many cases, a property in poor condition is a better fit for a cash purchase or private network sale than for the open market.
I am going through a divorce. Can you help? +
Yes — we handle this sensitively and discreetly. A cash purchase or discreet private sale avoids the property going on the open market, minimises contact between parties, and gives both sides a clean, fast resolution. We work with both parties or through solicitors if that is easier. Everything is kept confidential.
Your Protection
How do I know I am getting a fair deal? +
We are transparent about how we work, how we make offers, and what our fees are. We will always explain the basis of any offer we make — including the comparable evidence we used. We never pressure you to sign anything before you are ready, and we always recommend you take independent legal advice before exchanging contracts. Fortuna Streams Ltd is registered with the ICO and is a member of The Property Redress Scheme.
What if you pull out after we have agreed a price? +
Before legal exchange, either side can withdraw — that is standard in any property transaction in England and Wales. If we withdraw, we cover all of our own legal costs and survey fees. We will never leave you with a bill for our costs. This is why we always tell you — do not commit to any removals, new tenancy agreements, or non-refundable bookings until legal exchange has taken place.
Should I get my own solicitor? +
Yes — always. We strongly recommend you appoint your own independent solicitor to represent your interests. This protects you. We can recommend solicitors we have worked with before, but you are free to use whoever you choose. For a cash purchase we cover our own legal costs. For an assisted sale we cover your solicitor costs as part of the arrangement.
Is this regulated? +
Fortuna Streams Ltd is registered with the ICO (ZC137394) for data protection purposes and is a member of The Property Redress Scheme (PRS058448). We operate as a property buying and sourcing business. We are not a regulated financial adviser — if you need advice on your mortgage, debt, or financial position, we will always point you towards the appropriate regulated professional.
Privacy Policy

Last updated: May 2025

This privacy policy explains how Fortuna Streams Ltd ("we", "us", "our") collects, uses, and protects personal information submitted through this website (thepropertyoptionshub.co.uk).

Fortuna Streams Ltd is registered with the Information Commissioner's Office (ICO), registration reference ZC137394, registered 1 May 2026. We take your privacy seriously and comply with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

What information we collect

When you contact us via this website — by booking a call through Calendly or sending us an email — we may collect your name, email address, phone number, and any information about your property that you choose to share with us. We do not collect payment information directly through this website.

How we use your information

  • To respond to your enquiry about selling your property
  • To schedule and confirm consultation calls
  • To assess which of our services may be suitable for your situation
  • To keep records of our communications with you as required by law

We will never sell your personal data to third parties or use it for unsolicited marketing without your explicit consent.

Legal basis for processing

We process your personal data on the basis of legitimate interests (responding to your enquiry) and, where applicable, on the basis of your consent (e.g. if you opt in to receive further information from us).

Third-party services

This website uses Calendly for appointment booking. When you book a call, your data is processed in accordance with Calendly's privacy policy. We recommend reviewing their policy at calendly.com/legal/privacy-notice.

Data retention

We retain enquiry and communication records for up to 6 years in accordance with our legal obligations. You may request deletion of your data at any time, subject to any legal retention requirements.

Your rights

You have the right to access, correct, or request deletion of your personal data. To exercise these rights, contact us at fortuna.streams@gmail.com. You also have the right to lodge a complaint with the ICO at ico.org.uk.

Contact

Fortuna Streams Ltd, The Accountancy Partnership, Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London, E14 9NN · fortuna.streams@gmail.com · 07760 255 378

Important Disclaimer

Please read this disclaimer carefully before engaging with our services or relying on any information provided on this website.

Fortuna Streams Ltd is a property investment company. We are not regulated by the Financial Conduct Authority (FCA) and do not provide financial, legal, or mortgage advice. Nothing on this website constitutes advice of any kind and you should seek independent professional advice before making any property-related decision.

Our offers

Whilst we make every effort to complete transactions in a reasonable and prompt timescale, there are sometimes circumstances that may affect the actual completion date, and in extreme cases our ability to proceed with a purchase. Our initial offer is provisional and will only be confirmed once we are in receipt of a satisfactory survey, and searches and contracts are deemed satisfactory by our legal team.

Other factors — including but not limited to title defects, structural issues, planning matters, or changes in market conditions — may affect our decision to proceed or the price we are ultimately able to agree. Prior to a legal exchange of contracts, we reserve the right to withdraw from the transaction at any time if we become aware that the property is not as initially described or if anything comes to light that materially affects its value.

In the event we withdraw prior to exchange, all legal costs, disbursements, and survey fees incurred by us in the transaction will be met by us. We strongly advise you not to commit to any expenditure, removal costs, or completion dates until legal exchange of contracts has taken place.

Independent advice

We recommend appointing your own solicitor to review all contracts — we can help you find one if needed. For Lease Option and Rent to Rent arrangements, you should seek legal advice before entering into any agreement.

Lease Options & Rent to Rent

Lease Option and Rent to Rent arrangements are subject to separate written agreements. These agreements are not regulated mortgage contracts and do not constitute the sale of the property until the option is exercised. We can help you find a solicitor if needed.

Website information

The information on this website is provided for general informational purposes only. Whilst we endeavour to keep it accurate and up to date, we make no representations or warranties of any kind about the completeness, accuracy, or suitability of the information provided.

Company information

Fortuna Streams Ltd is a company registered in England and Wales. ICO registered. Member of The Property Redress Scheme (PRS058448). Registered address: The Accountancy Partnership, Suite 5, 5th Floor, City Reach, 5 Greenwich View Place, London, E14 9NN.

Cookie Policy

Last updated: May 2025

This website uses cookies and similar technologies to ensure it functions correctly and to understand how visitors use it. This policy explains what cookies we use and why.

What are cookies?

Cookies are small text files placed on your device when you visit a website. They help the website remember information about your visit and can improve your experience.

Cookies we use

Essential cookies — These are necessary for the website to function. They include session cookies that remember your preferences during your visit. These cannot be disabled.

Third-party cookies (Calendly) — When you use our booking widget, Calendly may set its own cookies to manage the booking process. These are governed by Calendly's cookie policy.

We do not currently use advertising cookies, tracking pixels, or analytics platforms such as Google Analytics. If this changes, this policy will be updated and your consent will be sought.

Managing cookies

You can control and delete cookies through your browser settings. Disabling cookies may affect the functionality of certain features on this website, including the Calendly booking widget. For more information about managing cookies, visit allaboutcookies.org.

Your consent

By continuing to use this website after dismissing our cookie notice, you consent to our use of essential cookies as described above. You can withdraw consent at any time by clearing your cookies through your browser settings.

Contact

For any questions about our use of cookies, contact us at fortuna.streams@gmail.com.