Fixed returns of 10 – 12% per annum over 2 year term and 15% per annum over 4 year term
By the end of 2014, the average UK house price had risen by 63% in just three years, resulting in a significant shift in house price to household income ratios. Together these two factors mean that the housing market has been, and will continue to be, shaped as much by the affordability of a mortgage deposit, as by servicing that mortgage on a monthly basis.
This opportunity will provide a fixed double-digit return, and allow investors to benefit from opportunities in the property market without management commitment or concentration of investment in any one property.
The investment is within the UK property market and is offering investors 2 year loan notes with the option of income or growth. The income option has a fixed return of 10% in year one and 12% in year two with returns paid bi-annually. The growth option will credit compound interest of 10% in year 1 and 12% in year 2 with capital and all interest paid together with a bonus of 4% of initial capital invested, at the end of 2 years.
The loan notes have tangible security by way of a first and only legal charge, registered at the Land Registry, and held by independent security trustees on behalf of investors, with a clear exit strategy in place.