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Our ProductAre you comfortable with timescales between 12 and 36 months,
secured by an underlying asset, with capital and interest paid on
completion of a development? Novaterra development equity products
may be ideal for you.
Development equity is typically structured as a loan which sits below
the senior bank debt in the funding structure and entitles you to share
in the profits of a project. They are used by property developers who
may or may not already have planning permission for a project. These
are among our riskier opportunities but as such include profit share
and the potential for higher returns.
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TYPE OF RETURN : PROFIT SHARE
Risk Profile
Medium - High
Expected Return (Annualized)
Vary from project to project
Project Term
12-36 Months
If you prefer investments with fixed returns which are secured by an
underlying asset within longer timescales between 12 and 36 months,
then Shojin’s mezzanine loan products may suit you.
Mezzanine loans are generally used by property developers who need
additional capital for a construction or development project, but do
not want to give away their equity and are happy to take a lower
position in the funding structure. The loans typically last throughout
the project and for up to 36 months. They are secured by a second
charge against the property which will rank behind the senior bank’s
charge.
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TYPE OF RETURN : FIXED
Risk Profile
Medium
Expected Returns (Annualized)
12% - 18%
Project Term
12-36 Months
Our range of asset investment products enable you effectively to
become a landlord without the hassle. You can choose from regular
rental income and/or capital growth – depending on your preference
for timescales and risk, enabling you to diversify your portfolio across
multiple properties.
These products are ideal for those who have previously been attracted
to traditional buy-to-let investments but who wish to avoid the
growing complexity in this area.
Traditional buy-to-let investments are typically very hands-on, as an
individual has to purchase a property and then take care of all the
management, but our asset investment products allow investors to
tap into the same property opportunities without the hassle.
Whether it is regular income or capital gains that you are looking for,
Shojin enables you to diversify your portfolio, without having to deal
with all the time-consuming administration, tax and regulatory
complications that come with traditional buy-to-let opportunities.
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TYPE OF RETURN : PROFIT SHARE
Risk Profile
Low
Expected Returns (Annualized)
5% - 12%
Project Term
3 -12 Months
Do you prefer fixed returns which are secured by an underlying asset
within shorter timescales? If so, Shojin’s bridge loan products may be
ideal for you. They typically run for three to 12 months and are used to
provide an interim funding solution for property developers to
accomplish strategic near-term objectives before the main line of
finance is put in place. They are secured by a first charge on the
property.
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TYPE OF RETURN : FIXED
Risk Profile
Low
Expected Returns (Annualized)
8% - 12%
Project Term
Upto 5 years
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