In April 2016
the government introduced the new Innovative Finance ISA. Using an Innovative Finance Individual
Savings account (IFISA) investors have the opportunity to transfer funds into a
P1 Capital Partners property bond. So now you can enjoy good fixed interest
returns on your tax-free ISA savings at a far higher level.
To use your
ISA is free. There are no set up costs, no annual management or platform
charges, no IFA fees.
P1 Capital Partners has developed a system for
you to transfer your chosen amount of funds directly in to a P1 Capital
Partners property Bond. Our team will provide you with guidance on how to do
this with minimum effort and paperwork on your part.
All our investments are asset back and diversified across the portfolio. Simply choose between a Growth or Income Portfolio and the length of time you wish to invest.
1 Year - Growth or Income Portfolio 7% fixed return per annum 3 Year - Growth or Income Portfolio 8% fixed return per annum 5 Year - Growth or Income Portfolio 10% fixed return per annum
As with any investment, P1 Capital Partners does
have certain risks. Past performance is
not a reliable indicator of future results. We do everything possible to avoid and mitigate any potential
We are a UK-based company and we only invest in
UK properties. This removes the risk of
currency fluctuations or exchange rate issues. We invest our partners’ money in loans secured on properties that have
been analysed in depth by our expert team and all major partners consent to,
and are subject to, rigorous due diligence.
P1 Capital Partners’ policy is to have a maximum
LTV of 75% in any one bonds. We are confident that this is an effective
risk-mitigation that significantly reduces any possibility of revenue loss.
The UK property market is historically robust
and resistant to external, uncontrollable shocks. For example, immediately following the 2008
global financial crisis, the UK property market suffered a maximum 25%
crash. The property market recovered
rapidly and has enjoyed a sustained recovery since.
P1 Capital Partners provides funding to
established UK-based property companies and SME developers, all with a proven
track record. We diversify the loans
over a range of borrowers and assets. This has the dual purpose of fully diversifying the loans and further
mitigating the financial risk. The loans
are all asset-backed, which provides additional security and protection.
We aim to develop strong personal relationships
with you, our investors and partners. Our mission is to act with transparency and integrity at all times. Our experienced team and our Investment
Committee scrutinise all investments, in addition to rigorous due diligence on
our potential borrowers. Since we consider our investors and partners are
unique, we have developed tailored portfolios which offer you flexibility on
growth or income on your investment. According to your preferences, you may choose an investment term of 1, 3
or 5 years.
P1 Capital Partners does not charge entry or
exit fees on any of our investment portfolios.
Capital Partners are Property Finance Specialists who lend on a short-term
basis to borrowers up to 75% of the value of the property/development
value*. All loans are secured by a legal
charge. (1st or 2nd
charge). P1CP will originate, administer
and monitor all loans on behalf of the Issuer.Typically, loans are 3 months to 36 months
duration. Borrowers are primarily
business owners, developers and property professionals. The Issuer will take
security over all the property and in many cases personal guarantees from
directors when lending to companies.
investment opportunity is open to anyone aged 18 and over and trusts or
companies. For trusts there may be
specific tax implications you need to consider. We recommend all investors
speak to their tax advisers. Any investors must answer the additional
appropriateness questionnaire before investing, in order to confirm they meet the requirements.