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Property prices go up as well as down, so you might not get out what you put in. The same goes for how much rent we collect. Our forecasting tools help with the guesswork but they're not a reliable way to predict the future. Please also note that invested capital is illiquid and is not protected under the Financial Services Compensation Scheme.Ok, got it
Do you want a secure and passive investment opportunity that avoids some of the volatility and complexity of other investments?
Get into asset-backed lending and use the UOWN platform to invest in property bonds.
Property bonds are a way for investors to earn returns while taking none of the risks associated with property development, simply by partnering with UOWN.
All made possible by the power of the crowd.
Also known as a property investment bond, this is a way for investors to earn money by offering a loan to a property developer.
We make a fixed agreement with the developer on the interest rate, how the loan is secured and when the loan will be repaid.
Property investment bonds are simple to understand and come with a range of benefits, including the certainty of knowing you will receive fixed, regular income.
A legal charge ensures that your capital is repaid if the developer defaults on interest payments or can’t fulfil their financial obligations.
Security also covers you against the developer becoming insolvent, in this case a sale of assets will repay your capital.
Property bonds usually offer lucrative, predictable interest rates, due to the urgent need for finance from the developer.
You can end the property bond agreement early via an early exit, although you will most likely lose out on some interest payments.
The developer is doing all the work and needs all the skills and knowledge of the property market. You just provide the finance and leave the rest to them.
Property bonds are a different kind of financial investment which carry less risk than other investments, which makes them useful for diversification.
You can transfer your existing Cash or Stocks & Shares ISA into an IFISA, or you can start investing from a blank slate.
Everyone has a £20,000 tax-free allowance that can be invested each year. This doesn’t include the transfer of ISA funds, or the interest earned in previous years.
The returns with P2P ISAs are higher than with high street savings accounts because you are lending directly to borrowers.
Prior to the introduction of the IFISA, P2P income had to be declared to HMRC via self-assessment, and hence tax was paid on it. This has changed thanks to IFISAs.
While you can only have one IFISA in a single tax year, you can pay into this alongside an existing Cash or Stocks & Shares ISA, up to the £20,000 allowance.
Just because cash is contained within your IFISA doesn’t mean you have to invest it all at once. You can top up your account, in line with your allowance, and invest later.
Joining the power of the crowd with UOWN can bring some amazing benefits, such as: