A fixed return, agreed up front
The rate and the term are set out in writing before any funds move. It does not flex with the valuation, the sale price or the performance of the project.
For investors
A simple, secured, fixed-return arrangement.
We work with a small number of private partners who want their capital secured against a tangible asset on terms agreed in advance — not a share of an uncertain outcome.
The principles
What the arrangement is — and is not.
Secured by legal charge
A charge is registered against the property at HM Land Registry, prepared by your solicitor and ours. It is a matter of public record and sits ahead of our own interest in the asset.
Debt, not equity
We do not offer profit shares, equity stakes or partnership interests. You are lending against an asset on fixed terms, not buying into a venture.
Independent representation
We expect partners to instruct their own solicitor and take their own advice. An arrangement nobody has independently reviewed is not one we want.
Why fixed return
Risk should sit with the operator.
Profit-share structures sound attractive until a refurbishment overruns or a valuation comes in light. At that point the investor discovers they were carrying delivery risk they were never in a position to manage.
A fixed return removes that ambiguity. If the works cost more than budgeted or the valuation disappoints, that is our problem — the agreed return does not change. It is a less exciting proposition, and that is rather the point.
The process
How a conversation becomes an agreement.
Introduction
An initial conversation about the model, the geography and what you are looking for. No documents, no commitment.
Information pack
If the model fits, we share a written pack covering the structure, the security arrangement, the current project and the terms under consideration.
Heads of terms
Terms are documented in writing and sent to both solicitors. Nothing is agreed on a handshake or a phone call.
Completion and charge
Funds are transferred solicitor to solicitor, and the legal charge is registered at HM Land Registry.
Next step
Request the information pack.
Specific terms, rates and project details are not published on this website. They are set out in a written pack shared directly, following an initial conversation.
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Important. This page is provided for information only. It is not an offer, an inducement, or an invitation to engage in investment activity, and it is not financial, legal or tax advice. It is intended for individuals who qualify as sophisticated or high-net-worth investors and who are able to assess an opportunity of this nature independently.
Any arrangement is governed solely by the terms of a signed agreement between the parties, prepared and reviewed by the parties' respective solicitors. Property values and rental income can fall as well as rise, and capital deployed in property is not readily realisable. Prospective partners should take independent legal and financial advice before committing funds.