--- title: "Investing in real estate: What you need to know" description: We share our knowledge of the mid-market property sector, and the ratios and terms investors need to understand when evaluating opportunities. image: https://www.shojin.co.uk/hubfs/Blog/2024/02%20Feb/Blue-sky-building-Mobile-1284-1000.jpg --- Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong.  Take 2 minutes to learn more. Risk information **Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.**   **Estimated reading time: 2 min**   Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.   **What are the key risks?**   1. **You could lose all the money you invest** - By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested. - Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money. - Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing. - These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses. 2. **You are unlikely to be protected if something goes wrong** - Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. [Try the FSCS investment protection checker here.](https://www.fscs.org.uk/check/investment-protection-checker) - Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. [Learn more about FOS protection here.](https://www.financial-ombudsman.org.uk/consumers) 3. **You are unlikely to get your money back quickly** - This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money. - You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy. 4. **This is a complex investment** - This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made. - You may wish to get financial advice to understand how the structure works before deciding to invest. 5. **Don’t put all your eggs in one basket** - Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. - [A good rule of thumb is not to invest more than 10% of your money in high-risk investments.](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest) [If you are interested in learning more about how to protect yourself, visit the FCA’s website here.](https://www.fca.org.uk/investsmart) [For further information about minibonds, visit the FCA’s website here](https://www.fca.org.uk/consumers/mini-bonds). Close [Skip to content](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know#main-content) [![shojin-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-logo.png?width=92&height=30&name=shojin-logo.png) ![logo-light](https://www.shojin.co.uk/hs-fs/hubfs/shojin/logo-light.png?width=92&height=30&name=logo-light.png) ![shojin-logo-fixed](https://www.shojin.co.uk/hubfs/shojin/shojin-logo-fixed.svg)](https://www.shojin.co.uk) - [Invest](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know#invest) - [Borrow](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know#borrow) - [Learn](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know#learn) - [Company](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know#company) - [Invest](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know#invest) - 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[![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Why us](https://www.shojin.co.uk/borrow/why-us) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Overview](https://www.shojin.co.uk/borrow) Products [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) 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explainers](https://www.shojin.co.uk/video-faqs) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Contact us](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) 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We share opportunities for global investors to gain exceptional returns. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/invest/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) ![chart-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-hover.svg) Products Explore ways to earn interest on capital or income on capital growth](https://www.shojin.co.uk/invest/products) [![chart-bar-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-light.svg) ![chart-bar-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-hover.svg) IFISA Invest in a tax efficient way with our Innovative Finance ISA](https://www.shojin.co.uk/invest/products/ifisa) [![circles-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/circles-three-light.svg) ![circle-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/circle-three-hover.svg) Pensions Take control of you pension by using SIPP & SSAS products](https://www.shojin.co.uk/invest/products/pensions) Who is Shojin for [![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) ![user-list-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-hover.svg) Individuals We make real estate investing more accessible for individual investors](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) [![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) ![chalkbord-teacher-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chalkbord-teacher-hover.svg) Family offices Investment opportunities for SFOs, MFOs and HNWs](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) [![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers We work with finance professionals and intermediaries to share opportunities](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) Fund your next project We support borrowers at every step of the journey, from acquisition through to development and exit. [Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/borrow/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/borrow) Products [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan We provide a combination of senior and junior debt to allow developers to take on larger schemes](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine Top up funding that allows you to minimise your contribution, enhancing your return on capital whilst maintaining full control.](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge Short-term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit Investment finance for completed or near-complete schemes that need time to optimise value before permanent refinancing or sale.](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works Our process focuses on delivering an exceptional outcome for all parties.](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) ![laptop-hover](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-hover.svg) Apply Submit your application or request a call back](https://www.shojin.co.uk/borrow/how-it-works#APPLY) Elevate your investing Browse our blog for news, features, market update and special reports to build your real estate investing knowledge. [All insights ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/insights) Insights [![trophy-light](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-light.svg) ![trophy-hover](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-hover.svg) Masterclass Watch our webinars on demand](https://www.shojin.co.uk/insights/tag/masterclass) [![files-light](https://www.shojin.co.uk/hubfs/shojin/icons/files-light.svg) ![files-hover](https://www.shojin.co.uk/hubfs/shojin/icons/files-hover.svg) Special reports Read our reports and research](https://www.shojin.co.uk/insights/tag/special-reports) [![notification-light](https://www.shojin.co.uk/hubfs/shojin/icons/notification-light.svg) ![notification](https://www.shojin.co.uk/hubfs/shojin/icons/notification.svg) Market updates Expert insight and analysis](https://www.shojin.co.uk/insights/tag/market-updates) [![note-pencil-light](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-light.svg) ![note-pencil-hover](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-hover.svg) Blog Stay up-to-date with news and views](https://www.shojin.co.uk/insights/tag/blog) Resources [![question-light](https://www.shojin.co.uk/hubfs/shojin/icons/question-light.svg) ![question-hover](https://www.shojin.co.uk/hubfs/shojin/icons/question-hover.svg) FAQs](https://www.shojin.co.uk/faqs) [![list-dashes-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-light.svg) ![list-dashes-hover](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-hover.svg) Glossary Learn and understand some of the terms we use in materials such as investment memorandums.](https://www.shojin.co.uk/glossary) [![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers Watch our short video FAQs](https://www.shojin.co.uk/video-faqs) Our company Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities. [Contact us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us Our mission, vision and purpose](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team We're an experienced team of real estate and investment professionals](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers Take your career to the next level](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships Partner with us to increase access to real estate investing](https://www.shojin.co.uk/company/partnerships) [Blog](https://www.shojin.co.uk/insights/tag/blog) 3 min read # Investing in real estate: What you need to know ![](https://www.shojin.co.uk/hubfs/Blog/2024/02%20Feb/Blue-sky-building-DESSKTOP-1960-695.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/2024/02%20Feb/Blue-sky-building-Mobile-1284-1000.jpg)   While many investors understand the value of real assets such as property, finding the right way to integrate this asset class into a diversified portfolio isn’t always straightforward. In this blog post, we share our knowledge of the mid-market property sector, the ratios and terms investors need to understand when evaluating opportunities, and the advantages of investing on a fractional basis.   **Mid-market opportunities** Property development and investment encompasses a broad and diverse range of projects and opportunities; from individual units suitable for buy-to-let management to multi-billion infrastructure schemes. Modest projects (whether construction, conversion or renovation) are often funded by friends and family or through a bank loan. On the opposite end of the scale, larger projects also benefit from well-established lines of funding, including financial institutions, investments banks and private equity firms. It is the mid-size, mid-market projects that are underserviced and find funding more difficult.   There is reduced competition for lenders willing to back mid-market developers and, consequently, great returns on offer for those who do provide funding. Mid-size projects have advantages for developers too; projects can be diverse (from residential housing to student accommodation and private rental schemes), and they can be adapted to changing market conditions due to their manageable size.   **The capital stack** The [capital stack](https://www.shojin.co.uk/invest/products) is a crucial concept to understand in real estate investment, as it encapsulates the layers of capital and funding involved in a project. Once properly modelled and visualised, the capital stack can show us the priority of repayment for investors, and the security available.   From [senior debt](https://www.shojin.co.uk/invest/products/senior) with lower risk and returns to [equity](https://www.shojin.co.uk/invest/products/equity) with the highest risk and potential for substantial returns, each layer has specific characteristics. Mezzanine and preferred equity fill the gaps between senior and equity and offer varying levels of risk and return. Understanding the composition of the capital stack is essential for tailoring investment strategies to individual risk appetites and desired returns.     ![Shojins Capital Stack](https://www.shojin.co.uk/hs-fs/hubfs/Shojins%20Capital%20Stack.png?width=600&height=698&name=Shojins%20Capital%20Stack.png)   **The ratios and risk** For investors, understanding and analysing ratios such as loan-to-value (LTV), loan-to-cost (LTC), and loan to gross development value (LTGDV) provides valuable insights into the risk associated with a real estate project.     - Loan-to-value (LTV) is a crucial metric in real estate and mortgage transactions, representing the ratio of the loan amount to the appraised value of the property. Expressed as a percentage, LTV is a key determinant of risk in such investments. A lower LTV implies a smaller loan relative to the property's value, signalling higher equity and lower risk for lenders. For investors, maintaining a conservative LTV offers various advantages, including protection against negative equity during market downturns and a smoother exit if developers are seeking a refinance. While developers may desire a low LTV to retain more profits, leveraging properties with higher LTV can boost returns, especially if borrowing costs are lower than the value created in the project. The process of determining property value, especially through independent surveys like Red Book valuations, becomes essential for assessing LTV accurately.   - Loan-to-cost (LTC) represents the ratio of the loan amount to the total project cost, which includes expenses like land acquisition, construction, and associated costs. This metric helps investors gauge the level of commitment or "skin in the game" from developers, as it reflects the capital they have invested themselves. A lower LTC indicates a smaller loan relative to the overall project cost, showcasing a higher equity investment by the developer and signalling a lower risk for investors. Maintaining a conservative LTC offers real estate developers several advantages, including reduced financial risk by relying more on equity, which enhances the project's resilience to unforeseen expenses or market fluctuations. Additionally, a lower LTC may lead to more favourable loan terms, contributing to the project's overall feasibility and profitability. Cash and equity contributions are both considered when calculating LTC, providing a comprehensive view of the developer's investment. Developers might opt for a higher LTC for reasons similar to those for a high LTV, and the concept of sweat equity, where developers contribute effort and expertise, can mitigate investor concerns associated with higher LTC. Overall, LTC is a valuable tool for assessing the financial structure and risk profile of a real estate development project. - Loan-to-gross-development-value (LTGDV) is a financial metric that assesses the market value of the completed building in relation to the loan amount. It is calculated by dividing the loan amount by the gross-development-value (GDV), which represents the market value of the finished project. The industry typically targets a profit on cost of around 20% based on the basic cost, with a standard senior loan-to-cost ratio of 65%. However, these figures can vary based on external factors, such as the property's location, with a lower GDV considered in desirable areas. The profit on cost calculation only considers the senior loan, excluding mezzanine or equity loans. As a project progresses, developers receive drawdowns, meaning loans are disbursed gradually as work is completed. This phased approach reduces the risk associated with the project over time, with finished products considered less risky. The LTGDV ratio provides insight into the financial viability and risk profile of a development project, with lower ratios suggesting a safer investment relative to the market value of the completed building. For other terms used in property investing, please visit our [glossary page.](https://www.shojin.co.uk/glossary)    **Technology's role in enhancing efficiency**   As in other asset classes, the use of technology in real estate investing will continue to enhance efficiency and accessibility. Through digitalisation and fractionalisation, platforms can open up the capital stack to investors through tranching, allowing for tailored risk exposure and greater flexibility. With diversification a key principle for investors, the ability to spread capital across multiple projects offers a more-balanced portfolio, enhanced returns and mitigation against individual project risk. **Summary**   While it has distinct terminology and nuances, the universal concepts of diversification and risk tolerance apply to property investing as much as any other asset class. By capitalising on market inefficiencies, embracing technological advancements, and understanding concepts such as the capital stack and risk ratios, investors can add property development to their portfolio with confidence.   View Shojin’s latest real estate investment opportunities [Written by Garett Stanhope](https://www.shojin.co.uk/insights/author/garett-stanhope) Published 01 February 2024 Back to top![](https://www.shojin.co.uk/hubfs/shojin/icons/backto-top.png) Subscribe to newsletter Subscribe to receive the latest Shojin insights and resources to your inbox every week. #### Share this post - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know&body=https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know) More in this series ## Similar insights you might like [View all](https://www.shojin.co.uk/insights) [![](https://www.shojin.co.uk/hs-fs/hubfs/73b81aef-0eda-4e69-956c-6fb88167d54a.jpg?quality=low&width=352&name=73b81aef-0eda-4e69-956c-6fb88167d54a.jpg)](https://www.shojin.co.uk/insights/navigating-uk-real-estate) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Navigating UK real estate: Legal insights from Trowers & Hamlins Partners](https://www.shojin.co.uk/insights/navigating-uk-real-estate) [![](https://www.shojin.co.uk/hs-fs/hubfs/Our-Clark-web-thumn.jpg?width=352&name=Our-Clark-web-thumn.jpg)](https://www.shojin.co.uk/insights/oury-clark-reform-insights-2024) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Partner Insights: Will Labour get Britain building?](https://www.shojin.co.uk/insights/oury-clark-reform-insights-2024) [![](https://www.shojin.co.uk/hs-fs/hubfs/P1050310.jpg?width=352&name=P1050310.jpg)](https://www.shojin.co.uk/insights/video-update-westbrook-mills-surrey-april-24) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video Update: Westbrook Mills - Take a tour of Godalming, Surrey](https://www.shojin.co.uk/insights/video-update-westbrook-mills-surrey-april-24) [![](https://www.shojin.co.uk/hs-fs/hubfs/Berkeley%20Square,%20Salford/Images/Site%20visit%20-%20July%202024/Photos/Berkeley-Square-visit%2c-July-2024-800-1.jpg?width=352&name=Berkeley-Square-visit%2c-July-2024-800-1.jpg)](https://www.shojin.co.uk/insights/video-update-berkely-square-salford-july-2024) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video Update: Berkeley Square, Salford site visit](https://www.shojin.co.uk/insights/video-update-berkely-square-salford-july-2024) Shojin visits Salford, one of the UK's best-performing areas for economic growth. 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Sign up for access to our expertly selected investment opportunities. Build your diversified property portfolio today. [Sign up ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://portal.shojin.co.uk/user/register) ## Go further with Shojin ![key-light](https://www.shojin.co.uk/hubfs/shojin/icons/key-light.svg) 1. More opportunity No management fees. Smaller sums to take part. Lowered barriers for access. ![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) 2. Shared risk Shojin earns revenue based on the success of each project. 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The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice. Shojin is a trading name of Shojin Financial Services Limited. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) for more information). Companies that issue investments on this platform, including bonds issued by Shojin entities, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria. 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