Invest in Loans

We have provided development finance to smaller scale residential developers for decades. Loans range from £250,000 to £2,500,000, funded by multiple investors, each taking a share of the advance.

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FEATURED GUIDE

Exploring syndicated property investment

What a syndicate interest is, where the income comes from, how decisions are taken and how investors exit, with the risks set out plainly.

Over the past 15 years, we have facilitated more than 100 loans totalling more than £85m. More than £65m has been repaid, and our outstanding loan book continues to be supported through ongoing developments.

The average loan period from drawdown to full repayment has been 15 to 16 months. Interest rates and repayment history for individual loans are set out in the offer documents, available once your investor category has been confirmed.

Our advantages

How loan syndication works

Short term lending secured on UK property. An independent quantity surveyor monitors each scheme, and funds are drawn down in stages against works that have been inspected.

Interest

Interest is fixed for each loan at the outset and paid with the capital at the end of the term. No interest is paid during the term.

Division of risk

Each investor funds a share of the loan and is exposed to that share only. Any shortfall on recovery is borne in the same proportion.

Fully financed projects

Investors fund the whole of the build cost at the outset, so a scheme does not depend on further borrowing to complete (cost overruns are assessed case by case).

Prudent lending

We review our lending criteria regularly. A first legal charge and independent monitoring reduce the risk of loss. They do not remove it.

Our approach

Case by case assessment

We assess properties and loans on a case-by-case basis to determine the viability of each deal. We rarely lend against a single asset such as an individual house. Multi-unit schemes give more than one repayment route and reduce reliance on the sale of one property. We also assess whether the scheme could be held and let if a sale proves difficult.

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We explain how loan syndication works and answer factual questions. We do not give personal investment advice. To arrange a conversation with one of our directors, use the button below.

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