Matt, Chloe and Tina: 1 Getting Together
Copyright© 2026 by Dionysos
Chapter 1: A New Apartment
Coming of Age Sex Story: Chapter 1: A New Apartment - Matt, a young investment banker meets sexy 15-year-old waitress, Chloe. Despite their age and background differences, they have an instant and growing attraction to one another. However, Chloe was already in a relationship with her best friend, Tina. How is this going to work?
Caution: This Coming of Age Sex Story contains strong sexual content, including mt/ft Ma/ft ft/ft Romantic BiSexual Heterosexual Polygamy/Polyamory First Oral Sex
Matt Tomlinson was feeling rather pleased with himself. He had just moved into a luxury top-floor apartment in an exclusive 6-unit new building. It was just a 3-minute walk to the station in a pleasant little town north of London. This had regular trains taking only 25 minutes to arrive at Liverpool Street station in the City. A further 5-minute walk would bring him to the office where he worked. So the 33-minute commute was much less than the one and a half hour plus it took him from his parents’ house, south of London, in Surrey. He was thinking he might return to Surrey at the weekends.
It had taken a while to find a suitable apartment and even then it turned out to be problematic. One Saturday morning, he had eventually seen a promotion in the estate agent’s window for the 6 apartments in the building where he now lived. As it was very near the station and the description claimed it to be luxurious, Matt went in to get more information. There were two desks facing the door, one was empty, but a blond, professional-looking woman behind the other desk stood and greeted him with a warm smile. She was tall and very attractive, perhaps in her late thirties, Matt thought.
“Hello. I’m Charlotte, please take a seat.”
“Good afternoon, Matt Tomlinson” he replied.
“How can I help you, Mr Tomlinson?”
“It’s Matt and I was interested in an apartment in the new block you’re promoting.”
“Oh!” she replied. “They’re really nice and only a few months from completion, but there’s a bit of a problem. The builders went into liquidation last week and we don’t know what’s happening at the moment.”
“Well, I’m not in too much of a rush, so I’d still like to take a look, if that’s OK.”
They were soon walking the short distance to the apartments. His first impression was very positive. The block stood back a good distance from the road, facing south to overlook the park on the other side of the road. Once inside, they went into the ground floor 2-bedroom apartment which had been completed early, in order to show potential buyers. Matt was impressed. Not only was it spacious and luxurious, it was very modern and even had air-conditioning, which was unusual in English homes. Charlotte pointed out that the roof of the building was virtually all solar panelling at the front and had heat-pumps at the rear making it very energy-efficient. The underground residents’ car park had reserved spaces for each apartment and individual charging points for electric cars.
“How many apartments had you sold before the builder went into liquidation?” Matt asked.
“Unfortunately none, which added to the builder’s financial problems. There are a lot of nice apartments around, but I think these are just too upmarket and expensive for the area.”
“Well, I think it’s a very nice area. Are the apartments being promoted in London? I would have thought that luxury apartments only 25 minutes from the City would be in great demand.”
“No, they’re not. And the London estate agents wanted too big a commission and we would still have had to do the viewings.”
He asked for the liquidator’s contact details, thanked her for showing him around and went back to his car with the brochure and details of the price of the apartments and management fees.
Once Matt had returned home, he spent the rest of day and the Sunday on his laptop, juggling numbers in Excel and doing research on the internet. His grandparents on his father’s side had recently passed away, leaving him a considerable amount of money, a lot of which needed reinvesting. So he was thinking that buying the whole apartment block at a lower price from the liquidator and renting out the other apartments might be a good investment. On the Monday, he made appointments to see the liquidator and a top London estate agency the following day. By the end of the week, he had bought the whole block from the liquidator through the new company he set up - MAT Properties Ltd. He paid a heavily discounted price which the liquidator was happy with, as it still enabled them to repay the builder’s debtors.
The building was completed three months later, ironically by the original builder’s workers and the four apartments on the lower two floors were already let. He kept the top 2-bedroom apartment for himself and also the single bedroom apartment on the same floor, thinking that not only would this increase his privacy, but that it may come in useful if he had more than two visitors. He used the same estate agents to manage all aspects of maintaining and letting the apartments. Charlotte had even suggested cleaning and shopping services, at additional cost, and they were to prove very popular with the busy professionals who rented the apartments. Having dinner at a local restaurant to celebrate their new business relationship, Matt asked “So how long have you been an estate agent, Charlotte?”
“Well, I was a model in my younger days, but I stopped work before my daughter, Chrissy was born. After she started secondary school, I got very bored and my husband bought the local estate agency for me to run. The original owner, Jean, was retiring. I kept her young assistant and made him a partner. To be honest, while I do most of the client-focussed work, he does the boring stuff. Enough about me! Tell me about yourself. I know you now own a property company, of course, but that’s not your main activity, is it?”
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