Fixed Income Property Investments

Since 2014, the Financial Conduct Authority has restricted ‘retail’ investors from investing in many investments, including unregulated bonds and loan notes.

If you are investing as an individual, then you will need to qualify as either a High Net Worth or Sophisticated investor as defined by the Government.

You can currently self-certify as either of these investor types, but we reserve the right to require third-party verification of your status should we have any doubts about your status. It is in place to protect an individual's capacity for loss if any investment were to fail.

The reduction in the capacity of traditional bank lending has led to difficulties for businesses looking to complete funding for their projects. The reasons they are willing to pay significantly above market rate include:

• They need the funds fast to take advantage of market opportunities
• They have raised most of the funding required, but need a final piece to complete their capital stack
• A new opportunity has arisen, but existing lenders won’t provide finance
• They have exhausted traditional finance routes
• Banks are not lending to their sector
• They have security to offer but not in a form acceptable to mainstream lenders
• Cashflow timing means they have identified a short-term requirement to see them through
• Compliance with mainstream bank lending can be unduly onerous, and our approach is more pragmatic

No. There are many assets and investments which are not subject to Government regulation, the FCA (Financial Conduct Authority), or indeed at all. The long list includes residential and commercial property (including the property you buy to live in!), commodities such as gold, diamonds, alternative investments such as art, wine, vintage cars and certain financial investments such as loan notes and bonds which are not listed on a stock exchange.

As the investments are not regulated, then there is no benefit being so – considerable cost and extensive paperwork and reporting adds considerably to our overheads which would have to be recouped through charging fees.

We are simply a broker, introducing you to potential investments that might be interesting. You are always most welcome and indeed recommended, to take regulated professional advice prior to any investment decision, unless you are fully confident in your ability and investment experience.