BUY-TO-LET
Our Buy-to-Let products enable you effectively to become a landlord without the hassle. You can benefit from regular rental income and / or capital growth, enabling you to diversify your portfolio across multiple properties, whilst knowing that your portfolio is being managed by experienced professionals.
Although 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, we make Buy-to-Let investment simple and stress-free by applying our Property Crowdfunding Model.
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.
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BRIDGE LOANS
Bridge loans typically run for 3-12 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.
These products are well suited for investors who prefer fixed returns which are secured by an underlying asset within shorter timescales.
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MEZZANINE LOANS
Mezzanine loans are generally used by property developers who need additional capital for a 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 for up to 36 months. They are secured by a second charge against the property which will rank behind the senior bank’s charge.
These products are well suited for investors who prefer investments with fixed returns which are secured by an underlying asset within longer timescales.
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DEVELOPMENT
Development is our core investment product. It 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.
Our Property Crowdfunding model enables you to earn returns similar to those of a property developer by providing them with the majority of the non-bank financing (‘Equity’) that a project requires. To ensure that everyone’s interests are aligned, the developer has a stake, and Shojin also always co-invests.
Some projects present the opportunity to improve their value by either enhancing the planning position or attaining new planning. This generally lengthens the project timeline but has the potential to significantly increase the returns for investors.
With Shojin’s risk mechanisms in place, the Development products are ideal for investors who are looking for higher profit shares and are happy with longer investment timeframes.
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