What we check
We verify the deal, not the story about it.
A sourcer brings us a lead at a price. That is the beginning of our work, not the end of it. Before a deal reaches a member we check it in two stages, in this order, and a deal that passes the second but not the first does not go live.
Stage one
The source
Whether this deal is real. Numbers are easy to produce for a property nobody can actually buy.
The vendor
Who is actually selling, and on what basis we know it.
Vendor contact
That we have reached them, not only the agent.
The agent
Who is acting, and that they are instructed.
Ownership
That the seller is in a position to sell.
The agreed price
That the vendor has actually agreed it. Both "Offer accepted" and "More left in" require this; a deal without an agreed price is "Early" — see below.
Stage two
The numbers
Only once the deal is known to be real.
Comparables
What similar property actually sold for, not what was asked.
Value after works
The figure the whole appraisal rests on.
Refurbishment
Costed, with the basis recorded.
Title
Anything on it that changes what you can do.
Rent
For anything that ends in a refinance.
Planning
For development and land.
What the figures include
A worked example
A flip from our own pipeline, with the numbers left in.
Purchased in August 2025, refurbished, listed, and now sold subject to contract. This is the sheet we would show a member: what went in, what it is listed at, and the gap between them with everything it leaves out printed underneath.
Three things are missing on purpose: the address, because the area is enough; the photographs, because they belong to the selling agent; and a profit, because the sale has not completed and stamp duty, finance, legals and selling costs are not yet in the number.
Three-bedroom Victorian terrace
- Purchased, August 2025
- £171,000
- Refurbishment
- £45,000
- Total in
- £216,000
- Listed at, sold subject to contract
- £325,000
- Property
- Victorian terrace
- Bedrooms
- 3
- Bathrooms
- 2
- Tenure
- Freehold
- Floor area
- 101 sqm
- Plot
- 186 sqm
- Chain
- None onward
- Potential
- Loft conversion
£109,000
Listed price less purchase and refurbishment. It is before stamp duty on the purchase, finance across the works, legals and selling costs, so it is not profit. And it is not realised: the sale is agreed subject to contract and has not completed.
Two kinds of agreed deal
Every deal here has its price agreed. The colour says how much stays in.
A deal reaches a member once the vendor has agreed the price and we have confirmed it at source. What the colour and its word then tell you is the thing you actually weigh on a refinance: how much of your own money is still in the property after the new mortgage comes back.
The price is agreed and, on a refinance, £20,000 or less of your money stays in. A sale that is agreed is green too. Our system will not let a deal be marked this way unless the agreed price has been confirmed at source — it refuses the change and names what is missing.
The price is agreed just the same, but more than £20,000 of your money stays in after the refinance. Amber is about the capital the deal holds, not about the price being in doubt — and the figure itself is the headline on the card.
A deal whose price has not yet been agreed with the vendor is marked Early, in a third colour, with the sentence “Not yet agreed with the vendor. Figures are Stream’s working assumptions.” The database decides the colour from the money left in and refuses a flag that contradicts the figures.
Registering interest
First come, first served — and no deal is done online
When a deal works for you, register your interest on its page. Interest is taken in the order it is registered, you are told your place, and we take the deal forward one to one in that order — the full pack, the vendor’s position, and then your decision. Nothing is bought or reserved on the hub itself. The one thing you can sign here is a non-disclosure agreement, where a deal needs one — it binds you to confidentiality and to nothing else.
What we are not
Not advisers, not a guarantee
Stream is an acquisition team and deal sourcer. We are not financial advisers, we do not give investment, tax or legal advice, and nothing on this site is a personal recommendation. Verification means we checked what we say we checked — it is not a guarantee of performance, and it is not a substitute for your own due diligence.
Where Stream owns a property it is being sold to you, and we say so on the deal itself rather than in small print. In that case we are the seller, not your agent.