What SPPF does

SPPF (legal entity Sterling Property Assets Limited, also operating as Sterling Property Portfolio) is a UK private property investment company incorporated in England in 2021 and headquartered at 1 Mayfair Place, London. The company pools investor funds to acquire high-yielding residential, commercial, and mixed-use property assets in second-tier cities across Northern England — including Stockton On Tees, Scarborough, Doncaster, and Sunderland — with a stated focus on areas of high regeneration. SPPF purchases properties below market value (minimum 10% discount claimed) and holds them for long-term rental income.

The company's core product is a 5-Year Fixed Term Investment offering an 8% fixed annual return paid quarterly, with rent guarantee insurance and no development, buy-to-let, or rental risks passed through to investors. The disclosed portfolio comprises four named assets (Dovecot Square, Westwood House, Electro House, Goldsmiths Apartments) with combined purchase value of approximately £3.19M and combined annual rent of approximately £399,000, generating property-level yields of 9.65%–16.16%. There is no proprietary technology platform; operations rely on relationship-driven sourcing through funding partners, estate agents, contractors, surveyors, and solicitors.

The revenue model is the spread between achieved property yields and the 8% investor return, supplemented by long-term capital appreciation, with the company explicitly stating no hidden or monthly management fees are charged. Distribution is sales-led, combining direct website lead capture, brochure requests, financial advisor referrals, and a connected Sterling Wealth Associates agent portal. The primary customer segments are international investors and UK individual investors seeking passive property exposure with fixed returns, targeting buyers who want buy-to-let-style yields without landlord responsibilities.

Name

SPPF

Legal name

Sterling Property Assets Limited

Website

https://sppf.co.uk

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

SPPF (Sterling Property Assets Limited) is a UK private property investment company that pools investor funds to acquire high-yielding residential, commercial, and mixed-use assets in Northern England, offering individual and international investors an 8% fixed annual return over a 5-year term.

Ownership category

akta.pro rank

Product category

Property Investment Services

NAICS

Other Investment Pools and Funds (5259)

SIC

Real Estate Dealers (For Their Own Account) (6532)

akta.pro primary industry

LP Secondaries — Multi-Asset / Diversified LP Portfolios (FSAHALAH)

Keywords

• Property investment
• Real estate portfolio
• Passive property income
• Buy-to-let alternative
• Commercial property investment

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Supply Chain, Operations, Personnel, Marketing or Sales

Revenue model

1. Property Investment Returns: SPPF collects investor funds and uses them to purchase a diversified portfolio of income-producing properties across the UK. The collective rental income from these properties is distributed to investors as a fixed 8% return per annum, paid quarterly over a 5-year investment term. The company generates revenue through the spread between property yields and investor returns, along with property value appreciation over time.
2. Management Fee Revenue: SPPF earns revenue through management fees charged for overseeing the property portfolio. The company states it does not charge hidden or monthly management fees, suggesting a transparent fee structure built into the investor return calculation.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

SPPF pools investor funds to acquire a diversified portfolio of high-yielding residential and commercial UK properties in second-tier northern English towns (e.g., Stockton On Tees, Scarborough, Doncaster, Sunderland). The portfolio is held for long-term rental income, and investors receive a fixed 8% annual return paid quarterly over a 5-year investment term, with rent guarantee insurance included and no hidden or monthly management fees.

Product overview

SPPF (Sterling Property Portfolio) operates as a property investment company offering a single unified investment product structure. Investor funds are pooled to acquire a diverse portfolio of high-yielding residential and commercial UK properties across northern England locations including Stockton On Tees, Scarborough, Doncaster, Sunderland, and other second-tier cities. The core offering consists of the 5-Year Fixed Term Investment with an 8% fixed annual return paid quarterly, backed by rent guarantee insurance and diversification across multiple property assets including named portfolio properties: Dovecot Square, Westwood House, Electro House, and Goldsmiths Apartments. Properties are purchased below market value, refurbished as needed, and held for long-term rental income generation.

Differentiator

Problem solved

Functional benefit

Products and services

• 5-Year Fixed Term Investment (UK Property Investment Portfolio) A pooled property investment structure where investor funds are deployed across a diversified portfolio of high-yielding UK residential, commercial, and mixed-use properties in northern English regeneration towns. Investors receive an 8% fixed annual return paid quarterly over a 5-year term, with rent guarantee insurance included, no hidden or monthly management fees, and protection via a regulated security trustee. Targeted at individual investors (including international investors referred by financial advisors) seeking passive property exposure without landlord responsibilities.

Quantifiable outcome

• 8% fixed annual return paid quarterly
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• Sterling Wealth AssociatesminorOthersRelated entity providing a Partner Login portal for agents at sterlingwealthassociates.com. Appears to be a connected company within the Sterling group of companies rather than an independent partnership.
• StudiowideminorOthersWeb design and development agency credited as the designer and developer of the SPPF website. One-time service provider relationship.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• LendInvest: UK property investment platform offering individual investors access to property-backed investment products. Comparable platform-style distribution targeting retail and IFAs, though more credit-focused than SPPF's direct ownership model.
• Octopus Real Estate: UK-based property investment platform offering pooled access to residential and commercial property for retail and HNW investors. Directly comparable business model: pools investor capital, acquires UK real estate, and targets income returns.
• Hearthstone Investments: UK fund manager specialising in residential property funds for individual investors. Comparable in pooling UK residential property exposure with managed income, aligning closely with SPPF's core product.

Others

• Alpha Real Capital: Independent UK real estate investment manager focused on income-producing property for institutional and HNW investors. Comparable in pooling capital to deploy into UK income-producing real estate, though at significantly larger scale and with institutional client focus.

Emerging players

• CrowdProperty: UK property investment platform that originally offered fractional property investment to retail investors. Conceptually adjacent to SPPF in offering tech-enabled UK property exposure; sits earlier-stage and more developer-financing oriented today.

Broad incumbents

• Custodian REIT: UK REIT investing in smaller, regional commercial property assets. Comparable to SPPF in its focus on secondary UK markets outside London, though it operates at materially greater scale and as a publicly-listed, regulated vehicle.
• Landsec: One of the largest UK REITs, operating a diversified commercial and mixed-use property portfolio. Provides a reference point for what scaled, regulated UK property investment platforms look like relative to small private operators like SPPF.
• British Land: Major UK REIT operating a diversified portfolio of commercial and residential property. A scaled institutional comparables benchmark for SPPF's pool-and-acquire strategy, though focused on prime London assets rather than Northern regeneration areas.
• Knight Frank: Global real estate consultancy with significant UK property investment management and capital markets operations. Comparable as a UK property investment intermediary/advisor at the upper end of the market; benchmarks scaled, institutional capital deployment.
• Savills (Savills Investment Management): Global real estate advisory and investment management firm operating UK pooled property funds. Comparable in offering pooled UK property exposure to institutional and qualified investors, though at far larger scale and with broader mandates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/sppf_uk
• YouTubeyoutube.com/channel/UCjxVW2BYq9apFWv03Ent0Dg
• Facebookfacebook.com/SPPFfacebook
• LinkedInlinkedin.com/company/sterling-property-portfolio
• Instagraminstagram.com/sppfuk

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SPPF