1. Who we are
KB&A Property Match is supplied by KB&A Property Solutions, a trading name of KB & A Properties Ltd.
KB & A Properties Ltd is registered in England and Wales, company number 15327301. Our registered office is 9 Corbets Tey Road, Upminster, England, RM14 2AP.
You can contact us at kiron@kbapropertysolutions.com.
2. About these terms
These terms apply only to KB&A Property Match ("Property Match"). They do not apply to the KB&A Deal Checker Full Analysis Report, Re-check or Shortlist Comparison, which are covered by the separate KB&A Deal Checker Terms & Conditions.
By purchasing Property Match, you agree to these terms. Nothing in these terms affects any rights you have under consumer law.
3. What Property Match is
Property Match is a property search and screening service. It helps you find properties currently on the market that appear to match the search criteria you give us, and that may be worth investigating further.
It is designed to save you the time and effort of searching and first-screening property listings yourself. It does not replace detailed property, financial, legal, planning, valuation, tax, lending or investment due diligence.
4. What you provide
When you order, you tell us:
- your target area;
- the investment strategy you are looking for; and
- your maximum purchase price, or for rent to serviced accommodation, the maximum monthly rent.
The strategies we currently screen for are buy-to-let, BRRR (buy, refurbish, rent, refinance), refurbish and sell, HMO, and rent to serviced accommodation. You can choose one of these, or ask for "Any strategy" and we will screen across all of them. If the strategy you want is not listed, please ask us before you pay.
You are responsible for giving us accurate and sufficiently complete search criteria. Your results are based on what you tell us. If your area, budget or strategy is inaccurate or unclear, the results may be less useful.
If we cannot reasonably carry out the search because essential information is missing or unclear, we will contact you, and the 48-hour period in section 9 pauses until we have what we need.
A materially different area, budget or strategy is a new Property Match, not a correction to the original order.
5. What you receive
We search and screen current property listings against your criteria and send you Your Property Match: a prioritised selection of up to 20 matching properties.
Where the information is available, each property includes:
- the address or a listing identifier;
- the asking price;
- a link to the listing;
- basic details such as property type, bedrooms and floor area;
- the strategy or strategies it may suit;
- a short explanation, in our own words, of why it matched;
- a screening priority; and
- any obvious initial flag we have spotted from the listing information.
We link to the original listing rather than reproducing it. The listing, its description and its photographs belong to the agent or portal that published them.
6. "Up to 20" properties
Property Match gives you up to 20 matching properties. It is not a guaranteed minimum of 20.
How many properties match depends on what is on the market at the time of the search and on the criteria you give us. We will not add unsuitable properties just to reach 20.
If fewer than 20 properties meet your criteria exactly, we may widen the search a little, for example by looking slightly further out, allowing one bedroom either side, or allowing a price up to about 10% over your maximum, so that your Property Match is fuller. Any property found this way is labelled Extended search in your report, with a note of how it goes beyond your criteria. We never widen anything you have told us you must have or must avoid. Extended search properties are screened to the same standard as the others.
If fewer than 20 properties reasonably meet your criteria, even after widening, your Property Match will contain fewer, and that does not by itself mean the service has not been provided as agreed.
7. What a "match" means
A property is a match where, on the information available to us at the screening stage, it appears to meet enough of your criteria to be worth investigating further. A property labelled Extended search goes beyond one or more of your criteria in the way the label says, and is included because it still looks worth investigating.
A match does not mean that:
- the property is a deal;
- the asking price is good value;
- the property will be profitable;
- the property is right for you personally;
- the strategy is legally or commercially viable for that property;
- finance will be available;
- planning, licensing or other permissions can be obtained;
- a refurbishment or conversion is feasible;
- any value or rent will be achieved; or
- we recommend that you offer on, buy or otherwise proceed with the property.
The screening priorities we use (Priority to investigate, Worth investigating and Watchlist) are a way of organising the results so you know where to look first. They are not an investment rating, a recommendation or a guarantee.
8. What is not included
Property Match is an initial search and screening service. Unless we agree otherwise in writing, it does not include:
- sold-price comparable analysis;
- a valuation or end value (GDV);
- rental comparable analysis;
- yield or cash-flow calculations;
- finance or refinance modelling;
- money-left-in or return-on-capital calculations;
- lender stress testing (ICR);
- break-even rent or interest-rate analysis;
- refurbishment costing or assessment;
- a survey or structural assessment;
- planning, licensing, title or legal checks;
- tax, mortgage, lending or financial advice;
- a full risk or red-flag investigation;
- confirmation that a property "stacks";
- a recommendation to buy; or
- a KB&A Deal Checker Full Analysis Report or walkthrough call.
If you find a property you are seriously considering, then before you commit significant time, effort or money, the KB&A Deal Checker takes a deeper look at the opportunity. It rebuilds the deal, tests the assumptions, checks the evidence and shows you what has to be true for the deal to work. It is a separate service, bought separately.
9. Delivery and our 48-hour guarantee
We will send Your Property Match by email, as a PDF, within 48 hours.
The 48 hours begins when:
- your payment has been received; and
- we have your area, strategy and maximum price.
We are closed on 24, 25 and 26 December and on 1 January. If your 48 hours would run across any of those days, it pauses at the start of the closure and resumes at 9am on the next day we are open.
If we fail to deliver Your Property Match within 48 hours, we will refund you in full. You do not need to argue for it. Tell us we were late and we will refund the payment. This is in addition to any legal rights you have.
The guarantee does not apply where delivery has been delayed because you have not supplied the information we need, or because you have asked us to pause or change the search.
Our delivery email address is kiron@kbapropertysolutions.com. You are responsible for giving us a working email address and checking your inbox and spam or junk folders.
10. Price and payment
The price of Property Match is £35.
KB & A Properties Ltd is not currently registered for VAT, so no VAT is charged and none is added to this price.
Payment is made in full, by card through our payment provider, when you place your order. Placing your order creates an obligation to pay. We will confirm your order by email.
The price you pay is the price shown when you order. It will not change after you have paid.
11. Information from property portals and agents
Property Match relies on information published by estate agents, property portals and other third parties.
Listings can be incomplete, inaccurate, changed or withdrawn without notice. Asking prices, descriptions, photographs, floor areas and availability can change after we carry out the search.
We use reasonable care and skill, but we do not control third-party information and cannot guarantee that every listing detail is complete, accurate or current. You should check the current listing and verify all important information yourself before making an offer, paying a fee, instructing professionals, entering into a contract or committing money.
12. Availability can change
Your Property Match reflects the market at the time of the search. A property in your results may later be sold, go under offer, be withdrawn, change its asking price or otherwise stop being available. That does not, by itself, mean the service was defective when we supplied it.
Property Match does not include monitoring or replacing listings after delivery.
13. Consumer cancellation rights
If you are buying Property Match as a consumer online, you normally have a legal right to cancel a service contract within 14 days after the day the contract is made.
Property Match is designed to be delivered within 48 hours, so at checkout we ask you whether you want us to start straight away, during your 14-day cancellation period. You answer this question separately from accepting these terms, and neither answer is selected for you.
- If you ask us to start straight away, and later cancel before Your Property Match has been delivered, you may have to pay an amount in proportion to the work already done. Once Your Property Match has been delivered, the service is fully performed and your right to cancel ends.
- If you do not ask us to start straight away, we will not start until your 14-day cancellation period has ended, and the 48 hours runs from then.
To cancel, tell us clearly by email to kiron@kbapropertysolutions.com. You can use the model cancellation form at the end of these terms, but you do not have to.
Nothing in this section limits any other remedy you have if the service is not provided with reasonable care and skill.
14. If there is a problem with the service
We will provide Property Match with reasonable care and skill.
If you believe the service has not been provided as described, contact us promptly and explain the issue. Depending on the circumstances and your legal rights, we may correct or repeat the search, or give you a full or partial refund.
We do not operate a "no refunds" rule that overrides your consumer rights. However, a property later becoming unavailable, changing price or being withdrawn does not by itself give you a right to a refund where the service was properly carried out using the information available at the time of the search.
15. No investment, financial, legal or tax advice
Property Match provides property search and screening information only. It is not financial, investment, mortgage, legal, tax or surveying advice, or a personal recommendation to enter into any property transaction.
Property investment involves risk. You remain responsible for deciding whether to investigate, offer on, finance, buy, refurbish, let, convert or otherwise proceed with any property, and you should take independent professional advice where you need it.
16. Your responsibility before committing money
Property Match identifies properties for further investigation. Before you commit significant time, effort or money, you should carry out proper due diligence. Depending on the property and strategy, that may include checking:
- sold and rental comparables;
- the value and end-value assumptions;
- finance and lending terms;
- refurbishment requirements and costs;
- surveys and condition;
- title and legal matters;
- planning, licensing (including HMO licensing and Article 4 directions) and permitted use;
- tax and insurance;
- tenancy or occupancy matters; and
- whether the deal works financially overall.
Inclusion in Your Property Match does not mean any of these have been checked.
17. Our responsibility to you
Nothing in these terms limits or excludes our liability where it would be unlawful to do so, or limits your statutory rights as a consumer.
Subject to that, we are not responsible for losses caused solely by:
- inaccurate, incomplete or out-of-date information from third parties, where we have used reasonable care and skill;
- a listing being changed or withdrawn after the search;
- changes in property values, rents, interest rates, lending criteria or market conditions;
- a third party refusing finance, planning, licensing, insurance or another approval;
- your decision to proceed with, or not proceed with, a property; or
- information you gave us being inaccurate or incomplete.
Property Match does not guarantee any investment outcome, profit, value, rent, refinance, sale price or availability of finance.
Subject to any liability which cannot legally be limited or excluded, our total liability arising from the supply of Property Match will not exceed the price you paid for the Property Match service. Nothing in these terms affects your statutory rights as a consumer.
18. Using Your Property Match
Your Property Match is for your own use in considering potential property opportunities. You may share it with your professional advisers where reasonably needed for your own property investigation.
You must not reproduce, resell, publish or distribute it, or present it as your own property sourcing, investment analysis or similar commercial product, without our written permission. This does not stop you sharing individual public listing links, or information you found independently from public sources.
19. Your information
To supply Property Match we collect your name, your email address, your search criteria (area, strategy and budget) and a record of your purchase. Payments are processed by our payment provider. We do not see or hold your full card details.
How we collect, use, store and delete your information, and your rights over it, are set out in our privacy policy.
20. Complaints and contact
If you have a question or complaint about Property Match, email kiron@kbapropertysolutions.com, with your name, the date you ordered and a short explanation. We will deal with complaints fairly and aim to respond promptly. You can also write to us at our registered office, given in section 1.
21. Changes to these terms
The terms that apply to your purchase are the version in force when you place your order. We may update these terms for future purchases, but we will not change the terms of an order already placed unless the law requires it or you agree.
22. Governing law
These terms are governed by the laws of England and Wales.
If you are a consumer, nothing in these terms removes any mandatory protection you have under the law that applies to you, including any right to bring proceedings in another part of the UK where the law gives you that right.
Model cancellation form
Complete and return this form only if you wish to cancel the contract and you still have a legal right to do so. You may instead make any other clear statement that you wish to cancel.
To: KB & A Properties Ltd, trading as KB&A Property Solutions, 9 Corbets Tey Road, Upminster, England, RM14 2AP. Email: kiron@kbapropertysolutions.com
I/We hereby give notice that I/We cancel my/our contract for the supply of the following service: KB&A Property Match
- Ordered on:
- Name of consumer(s):
- Address of consumer(s):
- Signature of consumer(s) (only if this form is sent on paper):
- Date: