What goes into our investments

We offer three ISA-eligible investments, each with a risk profile and expected annual return - full detail of the risks can be found here.

When you invest, we lend your money to property professionals to help them finance property projects throughout the UK. The difference between our three investments is down to where we lend your money.

Below is an idea of how each investment works, please read these carefully to ensure you understand the difference between our investments.

Please note, this is for your information only as we are not currently accepting any investments.

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Cautious

Designed for people who are dipping their toe into the world of investing.

Your money will be lent across the following:

  • Mainly residential properties and no development projects
  • Loans where your money is first in line to be paid back (first charge)
  • We never lend more than 50% of a property‚Äôs overall value.

Risk Profile:

  • As there is no development, there is no development risk
  • All investments will hold a ‚Äúfirst charge‚ÄĚ, which means in the event that a borrower can't repay the loan, investors will receive¬†money back before equity holders
  • With our Cautious product, we never lend more than 50% of a property‚Äôs overall value, this means the property value would need to experience an extreme drop before you may lose your money.

See key risks for more info.

 

Balanced

Designed for people looking for a balance between risk and reward.

Your money will be lent across the following:

  • A mix of residential and commercial properties with no more than 50% development
  • 80% of loans where your money is the first in line to be paid back
  • We never lend more than 70% of a property‚Äôs overall value.

Risk Profile:

  • As there is some development, there is some development risk.
  • The majority of loans will be ‚Äúfirst¬†charge‚ÄĚ, however in the event where a "second charge" is held, other lenders would be paid back before our investors. This increases the risk in comparison to the Cautious offering
  • With our Balanced product, we never lend more than 70% of a property‚Äôs overall value, so the property value would need to experience a significant drop before you may lose your money.

See key risks for more info.

Adventurous

Designed for people who are looking to be a bit bolder with their money.

Your money will be lent across the following:

  • A mix of residential and commercial properties and development projects
  • 80% of loans where your money is the first in line to be paid back
  • We never lend more than 75% of a property‚Äôs overall value.

Risk Profile:

  • There is more development than in our Balanced product, meaning there is a higher development risk
  • The majority of loans will be ‚Äúfirst charge‚ÄĚ, however in the event where a "second charge" is held, other lenders would be paid back before our investors. This increases the risk in comparison to the Cautious offering
  • With our Adventurous product, we never lend more than 75% of a property‚Äôs overall value, so the property value would need to experience a material drop before you may lose your money.

See key risks for more info.

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Used up your ISA allowance for this year? Invest with a General Account

Capital is at risk. Investments are illiquid. No FSCS cover. Tax rules apply. See Risks.

Investments are high risk. Capital is at risk. Underlying investments are highly illiquid. No FSCS protection. Tax rules apply and may be subject to change. See Risks.