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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.

May 2024
5
days
left
May 2024

The closing is the 29th May 2024, invest by then to start earning interest from the 31st May 2024.

Upper Bond Street

Earn 16% p.a. interest, paid monthly. Secured on property. ISA eligible.

Interest
16%
per annum
Invest from:
£100
Choice of term:
12 months
Repayments:
Monthly
Investment type:
P2P Loan
Target raise:
£283,000
Amount raised:
£122,016

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.

Watch the Upper Bond Street Video

Upper Bond Street Loans, ISA eligible, P2P investment, offering 16% p.a. return, interest paid monthly.

Dr Sarfraz Ahmad would like to borrow a total of £283,000 via a PDL loan to finance the completion of the redevelopment of an old shoe factory in Hinckley. The Loan is classed as a PDL Exit product because the funding will be used to part finance the completion and sale of the property through the final phase of the project.

How investing in the Upper Bond Street P2P investment works

The investment offers 16% p.a. over a 12 month term with interest paid monthly and principal invested repaid at the end of the term. The funding will be mezzanine funding to top up senior lending from UTB who are providing a total of £5,345,703. Together with the PDL Exit the Loan to Gross Development Value (LTGDV) is 74.33%.

Giving you better security on your investment

The investment benefits from multiple layers of security.


First, a second ranking legal charge over the Property of the Borrower.


Second, the principal amount of the aggregate of all Loans and the loan advanced by the Senior Lender used to fund the development, is not greater than 75% of the Gross Development Value and 90% of the Loan to Cost of the property development.


Please note that as the borrower is an individual who owns the Property, there is no requirement for a company debenture and there is an implicit personal guarantee.

 

So how much interest will I receive?

It’s simple – if you invest £1000 (for example) you receive £13.33 interest monthly and capital at the end of the 12 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.*

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 completed building will offer 35 one and two bedroom apartments, some of which will be duplex, and some will also have private terraces. Private car parking will be provided for all flats. There will also be an on-site gym for residents, a cinema room, and a communal working and meeting area. Upper Bond Street in Hinckley is approximately 11 miles to the north-east of Coventry. The area includes a mix of residential and commercial properties. There are several other commercial properties in the area which have been redeveloped into apartments.

 

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.

May 2024
Next closing: Wednesday 29 May 11pm

The closing is the 29th May 2024, invest by then to start earning interest from the 31st May 2024.

5 3

The finer details

Six great reasons to lend to Upper Bond Street 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 - Are there any added benefits?
Benefits

Are there any added benefits?

Do the maths

Enter your investment amount from £100
to see how much you could earn

If I invest

Returning

RateRepayingPayment FrequencyLoan Term
16.00%interestmonthly12 months

I could earn

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