Kristyan’s journey into property investment didn’t start with a strategy — it started with a problem.
His business was performing well, and retained profits were building up in the company. His accountant gave him clear advice: move the money somewhere it could work for his future.
“My accountant advised me to get the money out of the business and actually put it to some good use — something that would give me a future pension for me and my wife.”
The original plan was a single five-bedroom property in Thetford, close to family and with long-term flexibility.
But just before exchange, the seller pulled out.
“At the time I was fuming — but in hindsight it was a wonderful thing and I’m glad it worked out the way it did.”
The True Cost of “Just One More Property”
That one property would have required a substantial upfront investment.
“The deposit for that because it was my second property was 25% — about £100,000 — stamp duty was around £22,000 and it did need work doing to it.”
Then he discovered Kove.
Instead of putting all his capital into a single asset, the strategy completely changed.
“We thought about maybe getting one property or a couple of properties — which ended up being five properties for pretty much the same price.”
And the performance difference was immediate.
“One property on its own generated more profit than the whole property in Thetford would have done… especially after the rates went up — I would have ended up making a loss.”
Investing in the North Without Knowing the Area
Based in Watford and running a busy business, Kristyan had no time to learn new locations from scratch.
“I didn’t know the property market in the North East at all — it was very new to me.”
The ability to invest remotely — with the right guidance — changed everything.
“You finding the properties, telling me which areas were good, which areas weren’t so good and giving me options was great — and then leaving it up to me to make the decisions.”
A Process That Was Easier Than Running His Own Company
For most business owners, time is the biggest barrier to building a property portfolio.
Kristyan’s experience was the opposite of what he expected.
“I wish my business could run as smoothly as it has been to buy the properties.”
From purchase through to refurbishment and tenanting, the entire process was structured and transparent.
“I just got videos from the companies… they were very honest, very thorough and incredibly reasonable on price.”
Even the professionals involved noticed the difference.
“Even my solicitors were commending on how everything ran so smoothly between the solicitors, the estate agents and you guys.”
Immediate Stability With Long-Term Growth
Kristyan’s portfolio now includes five three-bedroom properties, with most on guaranteed rent.
“It has been incredibly calming knowing that I’ve resolved my pension — it’s set up now.”
This was never about quick wins.
“I know some people want to get rich quick — that’s not my game plan. My game plan is literally to hold onto these for as long as possible.”
More Than a Pension — A Plan for the Next Generation
What started as a pension strategy has become something bigger: a long-term family asset.
“I will probably create a trust that my children will end up having these properties… when they’re 25 to 30 years old and want to get on the property ladder, they could borrow against it.”
And as the portfolio grows, future purchases become easier.
“The more you have, the easier it gets — you wait for the capital growth, refinance and you don’t even need to put money in from your savings.”
Truly Hands-Free Property Investment
For investors buying far from where they live, management is often the biggest concern.
For Kristyan, that’s been one of the biggest benefits.
“The fact that I don’t have to worry — the trust — it’s incredibly easy.”
Even when issues arise, they’re handled immediately.
“We had one tenant issue and it was literally resolved within 24 hours… imagine being so far away from something that you own and worrying about it — there were no worries.”
Why He Recommends Kove
When asked what stands out most, his answer is simple: clarity, communication and trust.
“The communications are great… the infrastructure underneath you is very clear and very easy to deal with.”
And the overall result?
“It has been win-win so far, so I’m very happy and very grateful.”
A Long-Term Strategy — With Room to Grow
Kristyan isn’t ruling out future purchases.
“I would never say never… we don’t know how much profit there’s going to be in the company and my accountant might say again, you need to move this money somewhere.”
But the real success isn’t just the number of properties.
It’s the peace of mind.
“It has been incredibly calming.”
Want results like this?
If Kristyan’s story shows anything, it’s that you don’t need to leave your business or take on more risk to start building long-term wealth through property.
With the right strategy and support, you can turn existing profits into a hands-free portfolio that works for your future – not just your income today.
