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Don’t invest unless you’re prepared to lose money. This is a high risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Dec 2022
4
days
left
Dec 2022

The closing is the 10th February 2023, invest by then to start earning interest from the W/C 13th February 2023.

Harts Lane Ardleigh

Earn 15% p.a. secured on assets. ISA eligible.

Interest
15%
per annum
Invest from:
£100
Choice of term:
18 months
Repayments:
At the end of the term
Investment type:
P2P Loan
Target raise:
£315,000
Amount raised:
£229,997

Repayments of interest

Interest is paid on the capital invested in accordance with the stated Repayments. The capital is repaid as a lump sum at the end of the term.

Harts Lane Ardleigh, an ISA eligible, P2P investment, offering 15% p.a. interest

Harts Lane Ardleigh Limited would like to borrow a total of £315,000 via a PDL loan to finance the development of three identical detached 3 bedroom bungalows in in Ardleigh, Essex. The Loan is classed as a PDL Develop product because the funding will be used to part finance the project through the construction phase of the project.

How investing in the Harts Lane Ardleigh P2P investment works

The investment offers 15% p.a. interest over a 18 month term with interest and principal invested repaid at the end of the term. The funding will be mezzanine funding to top up senior lending from Avamore Capital. It represents a LTGDV of 73.30%.

Giving you better security on your investment

The investment benefits from multiple layers of security. First, a second ranking debenture over the assets, property, and undertaking of the Borrower.

Second, a second ranking legal charge over the Property of the Borrower. Third, there will be a personal guarantee provided by the Guarantor(s).

Finally, the principal amount of the aggregate of all Loans and the loan advanced by the Senior Lender used to fund the development, shall not be greater than 75% of the Gross Development Value and 91% of the Loan to Cost of the property development.

 

So how much interest will I receive?

It’s simple – if you invest £1000 (for example) you receive back this capital plus £225 interest at the end of the 18 month loan term. Interest is paid directly into your account on the Crowdstacker P2P platform or your bank account. Take a look at our interest calculator below to work out what your specific investment could yield.

 

Can I hold my investment tax efficiently?

At Crowdstacker we offer two accounts which offer you tax efficient benefits:

Crowdstacker Innovative Finance ISA - pays interest gross and allows you to earn interest tax-free. You can invest up to £20,000 in this tax year 2022/23.*

Crowdstacker P2P Account - pays interest gross and is eligible for up to £1,000 tax-free interest under the Personal Savings Allowance.*

 

*Please note tax benefits are subject to your own personal tax status.

 

More about the development

The site is on Harts Lane which is a popular country lane in the village of Ardleigh in Essex. Three new detached bungalows will be built on the site, one on a plot of 0.3 acres, and two on plots of 0.5 acres each. All will extend to 1421 sqft and will include three bedrooms, one of which will be ensuite, plus there will also be a family bathroom and plenty of living space with a kitchen/diner and separate living room, as well as a utility. Each house will have a separate single garage. There will be plenty of garden space to the rear as well as gardens to the front.

 

More about Crowdstacker

Crowdstacker is an award-winning P2P investment and ISA provider, bringing you handpicked investments, many of which offer a social or community benefit.

Please note the target raise will be filled on a first come first-served basis.

Your capital is at risk when you lend to businesses.

Dec 2022
Next closing: Friday 10 February 11pm

The closing is the 10th February 2023, invest by then to start earning interest from the W/C 13th February 2023.

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The finer details

Six great reasons to lend to Harts Lane Ardleigh Loans.

 

Security - How secure is my investment?
Security

How secure is my investment?

Rate of interest - What interest rate will I receive?
Rate of interest

What interest rate will I receive?

Payment frequency - How often will I receive interest?
Payment frequency

How often will I receive interest?

Term - How long is the investment for?
Term

How long is the investment for?

Opportunity - What is the market opportunity?
Opportunity

What is the market opportunity?

Benefits - What is the market opportunity?
Benefits

What is the market opportunity?

Do the maths

Enter your investment amount from £100
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If I invest

Returning

RateRepayingPayment FrequencyLoan Term
15.00%interestterm end18 months

I could earn

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