Moneyrow Properties Ltd
About Our Business
We take pride in our impeccable track record, achieving a 100% success rate across all property projects. We have built a strong portfolio that aligns with our income and wealth goals, leveraging private lending to expand further. What we’ve achieved for ourselves, we also offer to our clients.
Our mission with portfolio-building clients is to generate income, wealth, and long-term prosperity for investors who aspire to live the life they deserve, leave a lasting legacy, and invest in future generations. In less than five years, we have transformed nearly 30 properties across Leicestershire, creating over 200 beautiful, modern, and energizing rooms for young professionals from previously neglected spaces.
Our Company Values
At Moneyrow, we don’t just talk about our values—we live by them, embodying an abundance mindset in everything we do. We exemplify excellence through our core principles of achievement, growth, and hassle-free value, which are the foundation of our business philosophy.
Trust, integrity, and expertise are not merely words to us; they are essential elements of our business. Trust is the cornerstone of our operations, forming the bedrock of our enduring partnerships.
We believe in continuous learning as the key to thriving in the ever-evolving property industry. By mastering the latest knowledge, we not only drive our own growth but also lead the industry, ensuring our clients benefit from cutting-edge insights and innovations.
What Differentiates Us
What sets us apart is our unwavering commitment to doing exactly what we promise. In our properties, we prioritize long-term value by selecting superior appliances and maintaining high standards for both visual appeal and comfort. Our attention to detail extends to features like half-tiled bathrooms, surpassing the standard of just tiling the shower and splash areas.
For security and convenience, we install digital locks and key entry systems, along with voice-activated telephone entry for each unit. Residents enjoy superfast broadband, outdoor lighting, cycle racks, and shed storage. We also provide communal notice boards and, where possible, dedicated study areas, ensuring a well-rounded living experience.
KEY Information
Registered company name: Moneyrow Properties Ltd
Year started in property investment: 2015
Operational areas:
East Midlands, Swansea Wales, North East
Typical portfolio type: HMO & Single BTL
Portfolio value: £12m
LTV across portfolio: 64%
Ave ROI on owned projects: 24%
Ave private funding amount: £200k
Ave term length: 1 year
Ave interest offered: 8-10%
Securities on borrowing: 1st or 2nd Charges, Equity & Personal Guarantee
Meet the Founder/S
Umesh Kalra
Since 2015, Umesh Kalra has strategically leveraged property investing to achieve financial security, starting during his university years. With the mentorship of his father-in-law, Umesh developed a robust portfolio of HMOs. Today, this portfolio is valued in the seven figures and consistently generates a six-figure income, all managed remotely with efficiency and precision.
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Our Existing Portfolio
SWANSEA – 28 units, Student HMOs, operating since 2015 provides a cash flow for our children's education.
MIDLANDS (Leicester & Derby) – 150 units, student and professional HMO’s, provides a cash flow for the family living expenses.
NORTH EAST – 12 units combination of HMO and single lets provides funding for our pension and assets for legacy.
The Ethos Behind The Portfolio Type We Work With
Investing in HMOs offers investors lucrative returns, even in challenging market conditions, thanks to strong cash flow that can cover up to 75% of debt obligations when needed. Beyond financial gains, HMOs contribute significantly to communities by providing quality, modern, and affordable housing—an essential resource that might otherwise be inaccessible. The combination of high-end accommodations, spacious living areas, well-appointed furniture, and desirable amenities, along with the opportunity to share a home with like-minded individuals, makes HMO investing both financially rewarding and socially impactful.
CASE STUDIES >>>
PROJECT 1
544 Aylestone
The Property & Strategy
A residential semi-detached property extended to the rear and extended into the loft to create a 7-bedroom HMO.
Numbers
Project started date: August 2022
Project completed date: February 2023
Financing method: Private Investor(s) for initial purchase & development, term lender for re-finance.
Purchase Price: £185,000
Cost of Works (including finance costs): £209,000
Legals, professional services and fees: £20,000
Total spend: £414,000
GDV: £530,000
Profit from costs: 21.80%
Annual cashflow after all costs: £20,000
Location
Conveniently located in close proximity to Leicester City Centre.
Planning
The single-story rear 6 m extension was carried out with prior approval, the loft conversion as carried out with Permitted Development, the change of use to form 6-bedroom HMO was carried out via Permitted Development rights and the change of use to a Sui Gen 7-bedroom HMO via full planning application.
Additional information
Prior to acquisition residential buyers struggled to purchase the property due to lack of lending due to the site being close to commercial premises.
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Finalist for Property Investor Awards 2024



