July Peer To Peer & Development Performance Stats

July 2017 Summary P2P & Development Stats

July 2017 summary and monthly statistics can be seen below for our P2P and development loans.

Bridging Loans 31/07/2017
  Net
Total Amount Lent £23,223,670
Total Returns Paid £683,098
No of Loans 69
No of Loans Repaid 22
Average Loan Period 9
Investor Capital Lost 0%
Average Loan Size £329,036
Average Loan to Value 68%
Average Interest Rate Paid 9.05%

 

Development Loans 31/07/2017
  Net
Total Amount Lent £11,960,571
Total Returns Paid £146,212
No of Loans 18
No of Loans Repaid 6
Average Loan Period 10
Investor Capital Lost 0%
Average Loan Size £664,476
Average Loan to Value N/A
Average Interest Rate Paid 9.74%

You can find all our latest investments by clicking here.


View our Property Investments

June Peer To Peer & Development Performance Stats

June 2017 Summary P2P & Development Stats

June 2017 summary and monthly statistics can be seen below for our P2P and development loans.

Bridging Loans 30/06/2017
  Net
Total Amount Lent £19,956,670
Total Returns Paid £592,835
No of Loans 61
No of Loans Repaid 19
Average Loan Period 9
Investor Capital Lost 0%
Average Loan Size £325,072
Average Loan to Value 69%
Average Interest Rate Paid 8.94%

 

Development Loans 30/06/2017
  Net
Total Amount Lent £11,960,571
Total Returns Paid £146,212
No of Loans 18
No of Loans Repaid 6
Average Loan Period 10
Investor Capital Lost 0%
Average Loan Size £664,476
Average Loan to Value N/A
Average Interest Rate Paid 9.74%

You can find all our latest investments by clicking here.


View our Property Investments

May Peer To Peer & Development Performance Stats

May 2017 Summary P2P & Development Stats

May 2017 summary and monthly statistics can be seen below.

Bridging Loans 30/05/2017
  Net
Total Amount Lent £18,816,670
Total Returns Paid £592,835
No of Loans 52
No of Loans Repaid 19
Average Loan Period 9
Investor Capital Lost 0%
Average Loan Size £358,721
Average Loan to Value 70%
Average Interest Rate Paid 8.94%

 

Development Loans 30/05/2017
  Net
Total Amount Lent £11,960,571
Total Returns Paid £146,212
No of Loans 18
No of Loans Repaid 6
Average Loan Period 10
Investor Capital Lost 0%
Average Loan Size £664,476
Average Loan to Value N/A
Average Interest Rate Paid 9.74%

You can find all our latest investments by clicking here.


View our Property Investments

April Peer To Peer & Development Performance Stats

April 2017 Summary P2P & Development Stats

April 2017 summary and monthly statistics can be seen below.

Bridging Loans 30/04/2017
  Net
Total Amount Lent £15,590,670
Total Returns Paid £592,835
No of Loans 44
No of Loans Repaid 19
Average Loan Period 10
Investor Capital Lost 0%
Average Loan Size £339,606
Average Loan to Value 70%
Average Interest Rate Paid 8.94%

 

Development Loans 30/04/2017
  Net
Total Amount Lent £11,010,571
Total Returns Paid £146,212
No of Loans 17
No of Loans Repaid 6
Average Loan Period 10
Investor Capital Lost 0%
Average Loan Size £647,681
Average Loan to Value N/A
Average Interest Rate Paid 9.74%

You can find all our latest investments by clicking here.


View our Property Investments

Frazer’s Book Is The Number 1 Bestseller!

As you’re probably aware by now, Frazer has written another book called ‘The Alternative Guide To Property Investment’ which is all about how you can use crowdfunding to build your property portfolio and a better financial future for you and your family.

The book was available for pre-order yesterday, and he already managed to top the charts for real estate, personal finance and investing, making it a bestseller!

You can order the book off Amazon here

Here are some of the reviews so far…

“Frazer has written this book using common English words which are spoken by most people every day, which makes this book a joy to read. It is almost like a modern courtroom drama with the various points discussed, analysed, the evidence being carefully considered as the reader is guided through this book with short chapters, and a complete lack of waffle or flannel (if you prefer). I wished that Frazer had written this book 5 years earlier!”

John Miller (crowdfunding investor)

“An invaluable and enlightening insight for your financial future’’

Nigel Beverley (crowdfunding investor)

“This book shows how I can secure my family’s future through property investment, whilst avoiding the usual hurdles. It gives me peace of mind that crowdfunding platforms exist and, more importantly, that they are run by real property experts.”

Gareth Clements (crowdfunding investor)

“I‘m retired and always looking for the best way to boost my income each year. This guide is essential reading for anyone who wants to control their own investment decisions. Why didn’t someone tell me about this brilliant alternative form of investment before now.”

Paul Stallard (crowdfunding investor)

“Frazer’s book about property crowdfunding gives a fascinating outline of his history over a wide range of ‘job’ experiences which led to the creation of his crowd-sharing property business (I think its success must stem from him earning money from ‘magic’ shows in his early teens, coupled with the rigorous training of a law degree.)

As for the main part of the book, I read it with much interest (non-monetary!) – it was very thorough – and when I had finished it, I felt that I had no questions left to ask about property crowdfunding! It also reinforced my opinion that ‘I had done the right thing’ in putting some of my pennies into such a scheme!”

Dr. Philip Briggs (crowdfunding investor)

Residential v Commercial Property Investment

Residential v Commercial Property Investment

This is an excerpt from Chapter 6, ‘Residential versus Commercial Property Investment’, of Frazer’s upcoming book, The Alternative Guide To Property Investment. You can register your interest in pre-ordering the book by clicking on the button at the bottom of this post.

We have discussed the residential property investment sector at some length, but commercial property can be an excellent addition to a healthy investment portfolio if you are looking for consistent, steady yields alongside a decent level of growth.

Commercial real estate has shown long-term positive performance, with combined annual returns averaging around 9% depending on the area and type of property.

The steady and predictable cash stream potentially afforded by rental income from commercial property translates to possible protection against volatility in financial markets.

Here are some reasons why investors may find commercial property attractive:

  • Historically strong returns – With an average annual return of about 9% over a 20-year period commercial real estate has performed well historically.
  • Rental income from stable commercial properties means a potential steady and predictable cash stream (translating into possible protection and diversification during financial market volatility).
  • Beneficial taxation – When structured properly, commercial property can offer investors a number of tax benefits.
  • A hedge against inflation – A potentially important factor for your portfolio, since property normally benefits from inflation.
  • Ability to leverage your capital – As with residential property you can obtain mortgages and potentially multiply your ROCE (return on capital employed).
  • Diversification – There is no direct correlation with the stock market and you can further diversify within the asset class itself.

These are some of the different types of commercial property into which you can invest and spread your risk:

  • Office property (either prime or secondary);
  • Industrial property: Warehouse and manufacturing units; heavy manufacturing; light assembly; ‘flex’ warehouses (mixed industrial/office space); and bulk warehouses, like distribution centres.;
  • Retail: Individual shops,takeaways, shopping centres, etc.;
  • Multi-unit apartment buildings/HMOs: Although providing homes, these are treated as commercial premises;
  • Self-storage: Self-contained units rented to tenants for storage of material items, usually on a monthly basis;
  • Hotels: Bed and breakfast, small boutique hotels or big-name establishments.

However, property investors when they start investing seem to prefer residential, perhaps understandably, as it falls more easily within their knowledge base and comfort zone.

The philosophical difference between residential and commercial is that when you invest in residential property, you are essentially transacting with individuals – it is a much more personal transaction especially as people will be living in your property and making it their home.


To read more about why to invest in property, you can click below to register your interest in the book. Fill in your details, and once the book is released, we will send you more information.

I'm Interested!

Establishing Your Own Investment Criteria

Establishing Your Own Investment Criteria

This is an excerpt from Chapter 4, ‘Establishing Your Own Investment Criteria’, of Frazer’s upcoming book, The Alternative Guide To Property Investment. You can register your interest in pre-ordering the book by clicking on the button at the bottom of this post.

We held a dinner for our top-20 investors recently and I think it’s fair to say that just about everybody had different reasons for investing and slightly different criteria for choosing what to invest in.

Before investing any money, you need to consider what you want to achieve. Do you want to sit back and let your investment grow in value (e.g. stamps or wine or a pension fund, if you still think that’s a good idea) or do you want to generate an income (e.g. shares or property)?

Or perhaps a mix of the two?

Do you solely want to provide for your retirement and reinvest any income generated or do you need to earn an immediate income from your investments?

Are you prepared to risk all your capital on the same sort of investment or do you want to make some ultra-safe investments and speculate with a certain portion of your money on riskier but potentially more lucrative investments?

These are just a few of the questions you should ask yourself as the answers will help formulate your own investment criteria. If you have decided that you want to invest some of your capital into property, then the two most significant decisions you need to make are whether you want the emphasis to be on capital growth or cash flow and whether you want to make commercial or residential property investments.


To read more about establishing your own investment criteria, you can click below to register your interest in the book. Fill in your details, and once the book is released, we will send you more information.

I'm Interested!

March Peer To Peer & Development Performance Stats

March 2017 Summary P2P & Development Stats

March 2017 summary and monthly statistics can be seen below.

Bridging Loans 31/03/2017
  Net
Total Amount Lent £14,971,670
Total Returns Paid £458,801
No of Loans 41
No of Loans Repaid 18
Average Loan Period 10
Investor Capital Lost 0%
Average Loan Size £364,658
Average Loan to Value 70%
Average Interest Rate Paid 8.94%

 

Development Loans 31/03/2017
  Net
Total Amount Lent £11,010,571
Total Returns Paid £146,212
No of Loans 16
No of Loans Repaid 5
Average Loan Period 10
Investor Capital Lost 0%
Average Loan Size £688,161
Average Loan to Value N/A
Average Interest Rate Paid 11.69%

You can find all our latest investments by clicking here.


View our Property Investments

Peer To Peer and Development Performance Stats

December 2016 Summary P2P & Development Stats

December 2016 Summary Monthly Statistics can be seen below.

Bridging Loans   31/12/2016
  Gross Net
Total Amount Lent £10,773,024 £9,624,670
Total Returns Paid £292,637 £292,637
No of Loans 28
No of Loans Repaid 14
Average Loan Period 10
Investors Capital Lost £0
Average Loan Size £384,751 £343,738
Average Loan to Value 70%
Average Interest Rate Paid 9.00%
Average Interest Rate Offered 9.08%

 

Development Loans   31/12/2016
  Gross Net
Total Amount Lent £8,865,861 £8,019,571
Total Returns Paid £46,862 £46,862
No of Loans 12
No of Loans Repaid 2
Average Loan Period 9
Investors Capital Lost £0
Average Loan Size £738,822 £668,298
Average Loan to Value N/A
Average Interest Rate Paid 14.00%
Average Interest Rate Offered 11.92%

You can find all our latest investments by clicking here.

View our Property Investments

Manchester Property Market Growth at 12 Year High

Manchester Property Market Growth at 12 Year High

Latest figures released by the Hometrack Index show Manchester property market growth to have hit a 12 year high in 2016. This gives the city the second highest rate of price growth in the UK, next to Bristol.

A rise of 8.9% year-on-year for Manchester was reported, with experts predicting that the city will overtake Bristol for pole position by the end of the first quarter of 2017. The figures for Manchester exceed the average year-on-year increase across the UK, which came in at 7.7%.

Strong market fundamentals, particularly a significant supply/demand imbalance in Manchester, keep pressure on prices high. Despite the same supply/demand imbalance in the capital however, London dropped to seventh place for price growth in 2016.

Strong Market Fundamentals Keep Manchester Property Market Growth Thriving

Manchester’s vibrant rental market is also thriving, with demand continuing to grow. This, of course, makes it a dream opportunity for buy-to-let investors. Indeed, the city was recently named the UK’s buy-to-let hotspot by HSBC. This is all despite the massive challenges faced by buy-to-let investors following the government’s attacks on landlords.

The growing popularity of property crowdfunding is helping prospective buy-to-let investors push back against these attacks, providing a welcome haven for those keen to benefit from a steady stream of secured rental income.

Register Now for more Info

Rental growth here is 13 times that of London, driven by the growing population of young renters, flocking to the city for studying and career opportunities. Manchester boasts 60% more 25-29 year olds than the UK average, placing it within the country’s fastest growing demand for short term lets.

Massive Investment In Manchester Fuelling Property Market Growth

Success is also compounded by the government’s whopping £7 billion investment in Manchester. Determination to develop a world-class infrastructure in the city will attract further billions of worldwide investment over the coming years, which is already evident as overseas investors hone in on the investment opportunities offered here.  

Over 100,000 students across Manchester’s four main higher education institutions give it the highest student population in Europe.

70,000 of these are not in student halls of residences, meaning they are renting privately within the city. This makes it prime territory for PBSA (Purpose Built Student Accommodation) investment.

Across the board, from the UK-leading purchase market, to the thriving private rental and student markets, right through to commercial investments, Manchester is winning. As growth in the city’s property market continues at an unprecedented pace, with huge investment fuelling projected growth for years to come, we remain confident in the continued promise that our city offers investors.

View our Property Investments