Earn 8-10% without lifting a finger
Lend your capital against UK property and receive fixed, agreed interest payments. No tenants, no renovations, no surprises — just predictable returns paid on schedule.
The key numbers
How fixed interest lending works
You lend your capital
Your money is lent to fund a specific UK property project — typically a refurbishment or development. The terms, rate and duration are agreed upfront.
We sign a loan agreement
Everything is formalised in a written loan agreement — the amount, interest rate, term and repayment terms are all set out clearly before you commit.
Track it from your dashboard
Log in to your personalised investor dashboard to see exactly which property your money is allocated to, track progress with photos and reports, and you’re always welcome to visit the property in person — full visibility, zero guesswork.
You receive fixed interest
Interest is paid at the agreed rate — typically quarterly or at maturity. The rate is fixed for the term, regardless of what happens to the base rate.
Your capital is returned
At the end of the agreed term (12 months minimum), your original capital is returned in full along with any remaining interest.
Is fixed interest right for you?
This strategy works best if the following sounds like you.
You want a predictable, agreed return without active involvement
You have £20,000+ sitting in savings earning very little
You want a formal loan agreement with clear, written terms
You prefer knowing exactly what you’ll earn before you commit
You don’t want to deal with tenants, renovations, or property management
You want full visibility — see where your money is and track progress from your investor dashboard
What could go wrong
Fixed interest is the lowest risk strategy we offer — but it is not risk-free.
Not a bank deposit
Your capital is not protected by the FSCS. This is a private loan, not a savings account. You could lose some or all of your capital.
Borrower default
If the borrower cannot repay, the property must be sold to recover your funds. This takes time and the sale price may not cover the full amount owed.
Property value decline
If the underlying property project underperforms, repayment of your loan may be delayed or reduced. Market conditions can affect the borrower’s ability to repay.
Illiquidity
Your capital is locked for the agreed term. You cannot withdraw early. Make sure you won’t need this money before the term ends.
Project delays
If the underlying project overruns, your capital may be returned later than expected. Interest should still accrue, but the timeline extends.
No FSCS protection
Unlike bank deposits, private lending is not covered by the Financial Services Compensation Scheme. There is no government safety net.
What a fixed interest investment looks like
This is an illustrative example only. Actual returns depend on the specific lending opportunity. Your capital is at risk and returns are not guaranteed.
Want predictable returns from UK property?
Book a free call and we'll walk you through current fixed interest opportunities and how the security works.
No commitment — just a clear conversation about your options.
Important: Property investment carries risk. The value of your investment and any income from it can go down as well as up, and you may get back less than you invest. The figures, returns and projections on this page are estimates based on market data and are not guaranteed. Past performance is not a reliable indicator of future results. Nothing on this page constitutes financial, tax or legal advice. You should seek independent financial advice from a qualified professional before making any investment decision. PREPG3 is not authorised or regulated by the Financial Conduct Authority.