Invest in UK Property Developments with Fixed 8–10% Returns

Our investment opportunities are limited to self-certified High Net Worth Individuals or Sophisticated Investors in accordance with UK financial regulations. This means you must meet certain criteria (for example, having a high annual income or net assets, or sufficient investment experience) and complete a self-certification process before investing. Unfortunately, we cannot accept retail investors who do not meet these criteria. This ensures we comply with the Financial Services and Markets Act (Financial Promotion) Order 2005 and only present these higher-risk opportunities to those legally permitted and financially able to understand the risks.

Depending on the investment type, you can earn a fixed 8% to 10% annual interest on your investment. Rental investments offer 8% per year for terms of 1–3 years (with interest paid out monthly). Development and Acquisition investments offer 10% per year, typically over ~12–18 months, with interest (and capital) paid at the end of the term. All returns are fixed and agreed upfront. For example, if you invest £20,000 in a Development project at 10% for 1 year, you would earn £2,000 interest over that year, paid when the project completes, in addition to getting back your £20,000 principal.

We take multiple steps to secure your investment and mitigate risk. The security depends on the investment type: Rental investments are backed by personal guarantees from our directors, ensuring company principals are on the hook to repay you if the company cannot. Development investments are asset-backed – your funds purchase actual materials or goods for the project, which remain your property as collateral until you’re repaid. Acquisition investments come with a legal charge on the underlying property, meaning you have priority rights to that asset similar to a bank’s mortgage. Additionally, all projects are funded separately (no mingling of funds), and we co-invest in every deal ourselves, aligning our interests with yours. These measures provide layers of protection for your capital. (Note: While these securities offer protection, they do not guarantee against loss – see “risks” below.)

All investments carry risk, and it’s important to understand that your capital is at risk. These are not savings accounts and are not protected by the Financial Services Compensation Scheme (FSCS). In a worst-case scenario (for example, a project failure or borrower default), you could lose some or all of your invested money. We mitigate risks through careful project selection, asset-backed security, personal guarantees, and transparent communication, but no investment is risk-free. Past performance (including our 100% repayment track record) is not a reliable indicator of future results. You should only invest if you are prepared for the possibility of loss. We strongly recommend that you consult an independent financial advisor if you have any doubts or questions about the risks. Trade Stays provides full risk disclosures for each project, and we are happy to discuss any concerns to help you make an informed decision.

The minimum investment varies by option: £6,000 for Rental investments, £20,000 for Development projects, and £100,000 for Acquisition deals. You can invest more than the minimum – for Rental investments, for instance, you can increase in £6k increments (e.g. £12k, £18k, etc.). There is no strict maximum, and many investors choose to commit larger sums for higher returns or spread investments across multiple projects. We will work with you to accommodate your investment amount in the project of your choice.

Investments are intended to be held for the full term agreed. Because your funds are committed to a specific property project, early withdrawal is generally not available. You should be prepared to keep your money invested until the end of the term (e.g. until the project completes or the set loan period ends). In exceptional circumstances, we might attempt to facilitate an early exit (for example, by finding a replacement investor to take over your position), but this is not guaranteed and could be difficult. In short, you should only invest funds that you won’t need access to during the investment term. We’ll clearly communicate the expected timeline before you commit, so you know how long your money will be tied up.

Yes, it’s common for investors to come in and provide the minimum investment level to “test us out” with a Rental investment before wanting to commit larger sums to Development or Acquisition investments. You will have all 3 options available to you and do not have to select just one, however each investment will be treated separately, and for a specific project so there will be no pooling of your funds.

Property markets can go down as well as up, so if for some reason we are unable to secure the necessary revaluation when refinancing in line with the original project plan we will look at alternative ways to exit. This could include selling the asset, alternative refinancing options, and payback plans with interest continuing on the money until it is returned.