--- title: The middle-market advantage description: There is real value to be found hunting in this underserved but vital sector of the national market. image: https://www.shojin.co.uk/hubfs/Blog/The%20middle-market%20advantage/The-middle-market-advantage.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). 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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 # The middle-market advantage ![](https://www.shojin.co.uk/hubfs/Blog/The%20middle-market%20advantage/The-middle-market-advantage.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/The%20middle-market%20advantage/The-middle-market-advantage.jpg)   Aside from the most obvious benefits we have already covered in detail before – notably the potential for capital appreciation combined with the ability to yield a steady income – there are several other compelling reasons you should be considering taking advantage of the mid-market real estate development opportunity.   With mid-market projects by definition falling in the range between what individual investors would consider at one end of the spectrum, and large institutional investors at the other, there is real value to be found hunting in this underserved but vital sector of the national market.   **1. Highly resistant to macro shocks**   The UK’s residential property market, despite predictions of plummeting house prices and general chaos during the early stages of the pandemic, has not only emerged unscathed from Covid disruption, but has actually gone on to roar ahead to new highs.   This is symptomatic of a general resiliency within the sector, which investors feel confident is set to continue.   In another sense, the mid-market commercial real estate sector has shown itself to be similarly resilient to another threat – the rise of e-commerce and the resultant threat to the high street.  Whilst it is too early to make any firm predictions on this, the long-predicted death of the high street has as yet not taken place, and mid-sized commercial real estate has proved itself to be remarkably resilient.   This is heavily caveated by the statement that results on this front look very different depending on whether the occupants were product or service-based businesses, with service-based performing much better and therefore being much more desirable tenants from an owner's point of view, but the point still stands that commercial real estate assets have emphatically not become what analyst term ‘stranded assets’, i.e. assets which little or no value due to the passage of time and technological development.   **2. The need for new housing is only going to increase – much of this demand will be met by the rental sector**   With house prices rising at some of the fastest rates on record, a natural result has been more and more households relying on rented accommodation.   This further underlines the severity of the need for more build-to-rent housing developments in or close to UK city centres, and due to the limited availability of land, it makes sense that many of these will be mid-sized.   The fact that interest rates are now rising, reversing a decade long pattern where they were either falling or holding steady at record low levels, will make accessing mortgages harder than has been the case in the recent past, further expanding the pool of families who will need to look for rented accommodation.   **3. City centres shed their residents, suburbs swell, but it’s all real estate**   It’s hard to know how long the rush from the cities to the countryside induced by the pandemic will last, or whether or not this will prove to be a permanent feature of demand in the UK housing market.   However, the answer to this question is hardly relevant to the investor holding a diverse range of real estate investments.  Whilst individual projects may be exposed to the risk that consumer tastes and preferences change, leaving a development less desirable now than anticipated when the project was launched, the asset category as a whole is impervious to this.   As with any portfolio, the key is to diversify and spread the risk – in this case, geographic diversification would be key to mitigating the risks.   **4. Sub-categories of housing set to enjoy booming demand**   Following on from the point above, whilst the overall category of real estate looks solid, there are several sub-categories that we predict will race ahead of the sector average in the coming years.   Two notable examples of this are student and retirement housing.   Both serve sections of the general population that are set to expand over the next decades, with major demographic shifts already underway, and both represent what economists term price inelastic demand.  This means that they have a strong need and willingness to pay for the good in question, making their demand less sensitive to price changes.   In the case of students, the need to be near their university and/or work location is paramount, and in the case of retirees receiving good quality care in a location close to their family and friends trumps other concerns when selecting a care home.   The wealth of the generation due to retire in the coming years is another factor making mid-market care home developments yet another sub-category well worth examining from an investor's point of view.   **5. Accommodating ESG concerns**   Lastly, the mid-market development is just about the right size for ESG concerns to be fully taken into account in the design and construction of the sites.   Sustainability has certainly moved up the agenda for investors of all types, and mid-sized build-to-rent housing is actually in a strong position to address these concerns.  New technologies which make houses more eco-friendly to run are coming to the market all the time, and it is often much easier and more cost-efficient to integrate these into properties when they are being built, rather than retrofitting them later.   Importantly, we are starting to see a clear link emerge between ESG ratings and valuations, and medium-sized developments are fully capable of taking ESG issues into consideration at every stage of the project without jeopardising profitability. [Written by Shojin](https://www.shojin.co.uk/insights/author/shojin) Published 06 July 2022 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/news/the-middle-market-advantage) - [![](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/news/the-middle-market-advantage) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/the-middle-market-advantage) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/the-middle-market-advantage&body=https://www.shojin.co.uk/insights/news/the-middle-market-advantage) 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/Imported_Blog_Media/c25c244f-06d6-4bb2-a0f7-aae91be06892.png?width=352&name=c25c244f-06d6-4bb2-a0f7-aae91be06892.png)](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-investors-at-a-valuation) ### [Shojin closes £3m from investors](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-investors-at-a-valuation) [![](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/Imported_Blog_Media/ea4bbaa8-1118-4bed-8d29-c83492cc34dd.png?width=352&name=ea4bbaa8-1118-4bed-8d29-c83492cc34dd.png)](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-global-investors-at-a-valua) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Shojin closes £3m from global investors at a valuation of £49m](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-global-investors-at-a-valua) [![](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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