What goes into our investments

We offer three ISA eligible investments, each with a different risk rating and expected annual return. These ratings are based on the different risks of each investment - 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:

Cautious

Our lowest risk option that invests in our safest loans; 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 ‚Äď so your money is secured in the event there is an extreme drop in the property‚Äôs 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.

 

Balanced

Our medium risk option; designed for people who are looking for the best of both worlds.

Your money will be lent across the following:

  • A mix of residential and commercial properties with a little bit of development
  • Mainly loans where your money is the first in line to be paid back, but some where you are second in line
  • We never lend more than 70% of a property‚Äôs overall value ‚Äď so your money is secured in the event there is a significant drop in the property‚Äôs 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.

Adventurous

Our highest risk option; 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
  • Mainly loans where your money is the first in line to be paid back, but some where you are second in line
  • 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.
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Capital at risk. Returns not guaranteed. Tax rules apply. See Key Risks.

Capital at risk. Investments may go down as well as up. Returns not guaranteed. Tax treatment depends on individual circumstances and is subject to change.