--- title: "Supercharging commuter hubs: Why projects like Edenbridge are the future of UK housing" description: Discover how the UK government's new housing policy focusing on transport hubs could revolutionise development, with insights from Shojin's Edenbridge project. image: https://www.shojin.co.uk/hubfs/Edenbridge,%20Kent/Images/Edenbridhe-HEader-1000-x-580px.jpg --- 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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[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. 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[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) 2 min read # Supercharging commuter hubs: Why projects like Edenbridge are the future of UK housing ![](https://www.shojin.co.uk/hubfs/Edenbridge,%20Kent/Images/Edenbridhe-HEader-1200-x-400px.jpg) ![](https://www.shojin.co.uk/hubfs/Edenbridge,%20Kent/Images/Edenbridhe-HEader-1000-x-580px.jpg) The UK government has announced a clear new directive to tackle the housing crisis: let’s build more homes near transport hubs. This new policy, announced as part of the broader Plan for Change, will contribute to the target of 1.5 million new homes over the next five years.   Revealed by the Labour government on 27th January, the ambition is to unlock land near commuter hubs for development. Under the new framework, developers submitting applications for qualifying schemes will benefit from a “default yes” approach.   This move has potentially huge implications for SME developers, a sector that has been vocal about the challenges posed by current planning regulations. With limited capital, developers targeting schemes of between £5m to £100m GDV are often reluctant to tie up resources in projects were planning permission is less straightforward. As a result, hundreds of projects get dropped every year.   This policy shift, set to be formalised in the Planning and Infrastructure Bill this Spring, will come in alongside further planning reform.   **Edenbridge: A blueprint for success**   This Shojin-funded project at Town Station Goods Yard, Edenbridge serves as a prime example of the demand for residential development located in key commuter belt areas. Just 45-mins from London Bridge station, Edenbridge is an affluent Kent town, with limited existing housing stock and a dearth of new homes.   The developer, Total Homes and Developments (THD), picked up the project after it had achieved planning permission for the site, located adjacent to the train station and bordering the Green Belt. They subsequently worked with Network Rail to refine and approve designs through the Basic Asset Protection Agreement (BAPA) process, addressing safety, access, and operational requirements to protect railway infrastructure.   THD continue to work with Network Rail’s Asset Protection and Optimisation team during construction to ensure adherence to the approved designs, safety protocols, and monitoring requirements.   This serves as a perfect example of how small and medium-sized housebuilders are particularly well-positioned to deliver these projects. Their local knowledge, flexibility, and ability to tackle smaller, more complex sites make them ideal partners for transport hub development. Supporting these SME builders will be crucial for achieving the government's housing targets.   ![Edenbridge-Site-visit-800-1](https://www.shojin.co.uk/hs-fs/hubfs/Edenbridge,%20Kent/Images/Edenbridge-Site-visit-800-1.jpg?width=964&height=643&name=Edenbridge-Site-visit-800-1.jpg)   **The role of property investment in delivering growth**   Investment platforms like Shojin are key to achieving the government's ambitious 1.5 million homes target. By connecting investors with carefully vetted development opportunities, including those near transport hubs, these platforms can help unlock the capital needed to drive development forward while offering investors access to lucrative, asset-backed real estate opportunities.   If you’re interested in investing in projects like Edenbridge by Total Homes and Development, [visit the Shojin Investor Portal](https://portal.shojin.co.uk/investments) and invest from as little as £1,000.   [Written by Shojin](https://www.shojin.co.uk/insights/author/shojin) Published 27 January 2025 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/supercharging-commuter-hubs-why-projects-like-edenbridge-are-the-future-of-uk-housing) - [![](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/supercharging-commuter-hubs-why-projects-like-edenbridge-are-the-future-of-uk-housing) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/supercharging-commuter-hubs-why-projects-like-edenbridge-are-the-future-of-uk-housing) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/supercharging-commuter-hubs-why-projects-like-edenbridge-are-the-future-of-uk-housing&body=https://www.shojin.co.uk/insights/supercharging-commuter-hubs-why-projects-like-edenbridge-are-the-future-of-uk-housing) 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/5d090420-6db5-41f5-a245-ca486536056e.png?width=352&name=5d090420-6db5-41f5-a245-ca486536056e.png)](https://www.shojin.co.uk/insights/news/why-private-investors-are-crucial-to-the-governmen) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Private investor levelling up ambitions](https://www.shojin.co.uk/insights/news/why-private-investors-are-crucial-to-the-governmen) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/07%20July/TKS%202024/UK-housebuilding-2024.jpg?width=352&name=UK-housebuilding-2024.jpg)](https://www.shojin.co.uk/insights/get-britain-building-what-does-the-kings-speech-mean-for-property-investors) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Get Britain building: What does the King’s Speech mean for property investors?](https://www.shojin.co.uk/insights/get-britain-building-what-does-the-kings-speech-mean-for-property-investors) Two weeks after the general election, Britain has a new Labour government that is promising to put... 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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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