Example 0112 months
£400,000
Illustrative amount lent
- 2% arrangement fee
- £8,000
- Monthly interest
- £36,000
- Total investor income
- £44,000
- Total repayment
- £444,000
ROI: 11%Total illustrative return
ContactFixed-return property opportunities
Invest with experienced South West property developers.
For investors considering deal-specific loans of £400,000 or more. This is property-backed lending with an agreed return.
£3minvestor capital repaid
100%completed loans repaid in full and on time
3+ yrscontinuous investor reinvestment
£400k+current investor focus
The proposition
Clear terms. Proper evidence. No vague promises.
Each opportunity is assessed and presented individually. Investors receive the information needed to understand the property, funding requirement, proposed works, valuation, expected term, repayment strategy and material risks before making a decision.
The typical loan covers property purchase and refurbishment, with an expected project period of approximately 9–18 months.
Security
First legal charge and personal guarantees.
The proposed safeguards will include a first legal charge over the property (same security as a bank), personal guarantees and Pow Property funding agreed cost overruns.
Illustrative returns
What your return could look like.
Examples based on a 2% arrangement fee plus simple interest of 0.75% per month. Capital, the arrangement fee and accrued interest are normally paid together when the loan is repaid.
Example 0215 months
£500,000
Illustrative amount lent
- 2% arrangement fee
- £10,000
- Monthly interest
- £56,250
- Total investor income
- £66,250
- Total repayment
- £566,250
ROI: 13.25%Total illustrative return
Example 0318 months
£600,000
Illustrative amount lent
- 2% arrangement fee
- £12,000
- Monthly interest
- £81,000
- Total investor income
- £93,000
- Total repayment
- £693,000
ROI: 15.5%Total illustrative return
These are simple illustrations, not an offer or guarantee. Each opportunity, term, security package and return is documented separately. Capital is at risk.
Your investor journey
What actually happens if you invest with us?
Every opportunity is different, but the route from first conversation to repayment should always be easy to understand.
Initial conversation
Speak privately with Mark about your objectives, likely amount and questions.
Opportunity presented
Review a specific property, funding requirement, proposed return and exit.
Due diligence
Consider the figures, works, valuation basis, risks and supporting evidence.
Legal agreements
Independent solicitors complete the loan, first-charge and legal-advice process.
Funds deployed
Capital is applied to the agreed property purchase and refurbishment.
Project updates
Receive progress, milestone and material-change updates during delivery.
Exit and repayment
Capital, fees and accrued interest are normally repaid together on redemption.
Investor testimonials
Hear directly from people who have invested with us.
Completed project evidence
Don’t take our word for it. Look at the numbers.
Explore 13 completed projects and see how we acquired, transformed, refinanced and operated them. These historic figures demonstrate delivery; they are not a forecast for a future loan.
Commercial to residential
Glanville
- Project cost
- £1.73m
- Completed value
- £2.8m
- Annual net cash flow
- £124k
Title split
Solways
- Project cost
- £1.00m
- Completed value
- £1.69m
- Annual net cash flow
- £41,113
Commercial to HMO
Upper High Street
- Project cost
- £481,500
- Completed value
- £750k
- Annual net cash flow
- £27k
Informed oversight
Property exposure without becoming the project manager.
You should feel informed and in control. Before you decide, the opportunity should explain how your capital is used, what supports repayment and what happens if the original plan changes.
We can also show you around active refurbishment sites, giving you the opportunity to see the standard of our work and understand how each project is being delivered.
Know what you are lending against
The property, borrower, intended use of funds, proposed legal charge and its ranking are set out for the individual deal.
See where repayment comes from
The primary exit, fallback exit, expected timetable and the route by which capital and interest are repaid are explained.
Understand the downside
Review the effect of cost increases, a lower completed value, delays and any extension or default provisions before lending.
Verify the evidence
Check the valuation basis, comparables, title information, works budget, legal documents and project assumptions.
Stay informed after drawdown
Agree the reporting timetable, milestone updates and how material delays, cost changes or exit changes will be communicated.
Make the decision independently
Take the time you need, ask direct questions and obtain your own legal, tax and financial advice before committing capital.
Deal-level due diligence
See the complete picture before you lend.
✓ Purchase and acquisition costs
✓ Detailed refurbishment budget
✓ Estate-agent comparables
✓ Expected completed value
✓ Primary and contingency exits
✓ Delay and downside scenarios
✓ Legal security and guarantees
✓ Complete return calculation
The brothers behind every deal
We are still doing the work.
Mark structures acquisitions, finance and investor relationships. Martin leads delivery on site. We have made mistakes, solved difficult problems and learned the lessons that only come from remaining active in property—not presenting it from a classroom.
Investor questions
Frequently asked questions
How much can I lend?+
The current focus is on investors considering loans of £400,000 or more.
How long is my money committed?+
A typical project is expected to run for approximately 9–18 months. Every opportunity has its own agreed term, exit strategy and extension provisions.
Could I lose some or all of my money?+
Yes. Property-backed lending places capital at risk. A first legal charge and guarantees may reduce certain risks, but neither guarantees full recovery if the property value, sale or refinance proceeds are insufficient, enforcement is delayed or another documented risk occurs.
How is the loan secured and who ranks first?+
The proposed security includes a first legal charge over the property and personal guarantees from the agreed guarantors. The deal documents and solicitors should confirm the borrower, title, charge ranking, any prior debt and the enforcement position before funds are transferred.
When are returns paid?+
The capital, arrangement fee and accrued monthly interest are normally paid together when the loan is redeemed.
Where does the money for repayment come from?+
Each deal pack explains the intended route to repayment—normally a sale, refinance or other documented property exit—together with the expected timetable and a fallback plan.
What happens if costs rise, values fall or the project is delayed?+
The opportunity will show the contingency allowance, downside assumptions, alternative exits and any extension or default provisions. Where Pow Property agrees to fund cost overruns, that commitment will be recorded in the deal documents.
Can I withdraw my money early?+
Do not assume that you can. These are normally illiquid, fixed-term loans. Any early-redemption right, extension option or transfer provision will be specific to the legal documents for that opportunity.
Who pays the legal costs?+
Pow Property covers the agreed cost of the loan agreement, first-charge registration and the investor’s independent legal advice.
What information will I receive?+
Investors receive a deal-specific pack containing the borrower and property details, valuation basis, comparables, costs, refurbishment scope, proposed use of funds, return calculation, planned and fallback exits, sensitivity analysis, proposed security and key risks.
How will I be kept informed?+
The deal documents should set out the reporting timetable, project milestones and escalation process. Material changes to cost, programme or exit should be communicated promptly rather than left until the repayment date.
Is this FCA regulated or protected by the FSCS or Financial Ombudsman?+
Do not assume that investor wealth or experience automatically settles the regulatory position or creates protection. The precise position depends on the legal structure, promotion route, parties and documents. The opportunity documentation and independent advisers must state what regulation and protection apply; FSCS or Ombudsman protection should not be assumed.
How is the return taxed?+
Illustrative returns are shown gross. Tax treatment depends on your personal or corporate circumstances. Property Pow Brothers does not provide tax advice, so obtain advice from your own qualified adviser.
How is my money used?+
The deal pack and loan agreement should identify the permitted use of funds, the drawdown arrangements and funds are ring-fenced to the one property reviewed.
How do I know I’m dealing with a real company?+
We can meet in person or via Zoom and walk you around real, live sites currently undergoing refurbishment. You can see the projects, ask direct questions and understand how we operate before making a decision.
Private investor conversation
Start with a confidential call.
No long form and no commitment. We can gather the important information while speaking with you.