Spectrum House
BradfordYields: 6.8%
Prices from £99,950
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At CityRise, we’re regularly approached by investors who want something dependable. They’ve seen the appeal of off-plan opportunities but prefer the speed and clarity that comes with a finished product. Our completed property investments are handpicked from high-performing developments; places that not only offer modern finishes but are strategically located in areas where tenant demand is proven, not predicted. These are fully constructed apartments, and in some cases already tenanted, meaning the moment the keys are in your hand, the asset starts working for you.
More than just a product on a list, each completed property we present has been appraised, analysed, and walked through by someone who understands what landlords are looking for. Incomes are not estimated; they’re evidenced. Finishes aren’t hypothetical; they’re right there to inspect. Timelines aren’t months or years down the line; they’re now. For investors looking to act without delay, this is one of the most practical, risk-conscious ways to move forward.
What is a...
A completed property is one where the development is finished. The property is ready for someone to move in, or is already occupied. Unlike off-plan, where you might have to wait 18 months before your investment starts earning rental income, a completed apartment can begin delivering returns almost immediately. That kind of turnaround matters for many investors, especially in a market where rental demand is soaring and good tenants are lining up for high-spec new-build properties.
Most of the completed properties we work with are brand new and/or never lived in, often close to high-growth, larger regeneration schemes.. These aren’t tired resale flats with dated layouts or unpredictable maintenance issues. These are crisp, modern residences with structural warranties, high EPC ratings, and design choices tailored to professional tenants. That means fewer voids, lower repair costs, and a greater degree of confidence from day one.
At CityRise, we’ve worked with hundreds of clients to help them secure completed properties that align with their investment goals, whether those goals involve regular cash flow, long-term equity building, or future resale strategies. Instead, we start by understanding where you are in your investment journey, how much capital you’re working with, what kind of involvement you want, and what sort of timeline you’re hoping for. That information shapes the bespoke service we offer to each and every one of our investors.
Once we’ve shortlisted a completed property that suits your criteria, we’ll walk you through every step, explaining what makes the completed property investment viable, what sort of returns you can expect, and the obligations that come with it. This is not a hands-off approach from our side; it’s collaborative and personal, built to offer clarity. We make sure every investor, whether first-timer or portfolio owner, has full confidence in what they’re buying, why they’re buying it, and what happens next.
Step 1: Finding the Right Property
Your completed property journey begins with us identifying the right apartment that suits all of your criteria, both financially and in terms of risk appetite. Finding a completed property may seem like a simple task, but with hundreds of new build developments hitting the market every day, choosing wisely is crucial. At CityRise, we focus on strong-performing UK cities, places like Manchester, Birmingham, and Leeds, where tenant demand is steady and local economies are growing. But it’s not just about location; we also take a close look at the fine print: ground rents, service charges, the building’s upkeep, and the strength of the rental market on that exact street. Our job is to make sure what you’re investing in isn’t just well-presented, but well-positioned to perform.
Step 2: Understanding the Numbers
Once a suitable property has been found, the next step is to examine the completed property investment case in full. We break down the key figures—such as the purchase price, estimated rental income, and expected costs—into a clear and honest report. That includes things like mortgage payments, maintenance fees, and any setup costs. Nothing is inflated or brushed over. We also give you access to experienced buy-to-let mortgage advisors, so you can understand how your affordability is assessed and whether the numbers work based on your funding options. This part of the process is designed to help you decide with confidence, not guesswork.
Step 3: Reservation and Legal Progression
If you’re happy to move forward, the next phase is to secure the property. A small reservation fee takes the apartment off the market. From there, the legal process begins. We will offer the support of our expert solicitors, who specialise in completed property purchases, and support in getting all necessary documents in motion. Because the property is already built, there are no construction delays to worry about. During this time, your CityRise After Sales Consultant maintains constant communication, checking in with updates and helping things progress smoothly all the way through to key handover.
Step 4: Lettings and Ongoing Management
Once you own the property, the focus shifts to income. If the property already has a tenant, we’ll help manage the handover process to avoid any delays. If it’s vacant, our lettings team gets straight to work: marketing, arranging viewings, and finding a reliable tenant. For those who prefer a hands-off completed property investment, our management team can look after the day-to-day running of the property, from collecting rent to organising repairs. If you’re planning to grow your portfolio, we’re always on hand to advise on what comes next.
Learn more about property investment and how it can help you become financially free with our investment guides
Our best completed property investments are rarely listed on portals or open to the public. In fact, many of our most successful investors never see their properties advertised online at all. Why? Because they’re part of CityClub; our exclusive investor network that receives first-look access to stock before it reaches the market.
CityClub is more than just early access. It’s a toolkit built for long-term success. Members benefit from tailored strategy advice, priority reservations, portfolio-building sessions, and direct access to off-market or discounted stock. Whether you’re buying your first property or planning your tenth, CityClub puts you ahead of the curve.
All you need to do to get started is to register your interest and speak with a member of our team. From there, we’ll take the time to understand your goals and start presenting completed properties that match what you’re looking for, avoiding the noise and confusion of endless online listings.
Is investing in a completed property worth it?
For many investors, completed properties are the preferred investment type, especially when compared to more hands-on options such as BRRR and developments. There’s something reassuring about putting your money into a home that’s already been built, already standing, and in many cases, already producing income. You’re not waiting on contractors or hoping that projected returns match reality. You can see the property. You know the location. That level of certainty is hard to beat, especially if you want to get started quickly or avoid the risks tied to construction delays.
How does completed property compare to off-plan?
Off-plan property involves waiting for the property to be built, typically within 12 months of investing in a CityRise off-plan development. Off-plan may be best for you if your strategy is geared toward future value or if you’re in no rush to accumulate rental income from tenants. On the other hand, completed property is suited to investors who want a more immediate return, or simply prefer investing in something they can see and measure today.
Do I need to have my mortgage in place before reserving a completed property?
It’s not a requirement to have your mortgage in place, but it can be helpful. Having your mortgage Agreement in Principle (AiP) ready signals to the seller that you’re serious. It also means the process is likely to move faster and with fewer hiccups. However, we’ve worked with buyers who’ve started the financing process after reserving, so it’s not essential. If you’re unsure, we can introduce you to one of our expert advisors who knows the new build & buy-to-let market inside out.
Benefits of Completed Properties
What are the risks of completed properties?
As with any investment, there are risks that come with completed properties, which can be mitigated by working with an experienced agency to support you through the process.
Would completed property be a good option for a first-time investor?
Without question, yes. In fact, completed properties are often the go-to choice for someone buying their first property investment. Why? Because you’re stepping into something that’s already running. The legal process is simpler, the timescales are shorter, and the risks are easier to understand. You’re not banking on future projections, instead you’re buying a working asset, often with tenants already in place.
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