CapitalStackers investors can look forward to a return of up to 14% from a development of nine luxury flats in an established and popular residential road in Solihull.Front Elevation

The project is the latest scheme by Avalanche Capital – the successful team that some will remember repaid investors early when their spacious Chessets Wood dwellings were built and sold ahead of schedule in December last year, paying annualised returns of between 9.8% and 13.8% after just 7 months.

This latest scheme is to be built on the site of a large, unoccupied dwelling which will be demolished to make way for spacious, well appointed 2 & 3 bedroom apartments ranged over three floors.

The construction finance of £2,025, 000 is being provided by NatWest and the developers are contributing £900,000 of their own funds, leaving a crowdfunding opportunity for CapitalStackers investors to raise £930,000. Investment bids are invited from as little as £5,000.

“Excellent” levels of profit are expected – the site has already seen a substantial rise in value following planning permission, and confidence is further enhanced by the appointment of John Shepherd Estate Agents (who have previously sold Avalanche developments at better than appraised values) as the selling agents.

Deal Infogram - St. Bernards Road by Avalanche CapitaWe have adopted a conservative figure of £5.8m pending formal valuation, which results in a respectable Loan-to-Value ratio of 55%. It’s worth noting the agent anticipates selling for around £6.3m.

Given the above factors, investor demand will be extremely high when bidding opens at noon on Tuesday 10th April – so if this sounds like the right sort of investment for you, please don’t miss out.

So that you’re ready to invest when the auction goes live, if you’re an existing member, you can familiarise yourself with the details of the deal now by clicking here. If you don’t yet have an account, you can sign up here.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

Building begins this month on a sympathetic development of 2, 3 & 4 bedroom stone houses in the Nidderdale Area of Outstanding Natural Beauty.

Gregory Property Group – who have an excellent track record of successful developments over the last 30 years – have completed the drawdown of £504,000 funding for the first 11 houses, which is the first phase of 22 dwellings in the sought-after, picture-postcard village of Dacre Banks.

The development augments the area by adopting former vacant commercial land – and when completed will have a value of £5.8m. This will furnish annualised returns for CapitalStackers investors of 12.6% to 17.1% over 18 months – at Loan to Value ratios of 65% and 74% respectively – depending on which risk layer they have chosen.

As well as arranging the crowdfunded segment of the loan, CapitalStackers also negotiated the construction facility of £2m with Hampshire Trust Bank, one of its senior debt relationship lenders.

Sylvia Bowden of CapitalStackers said “it’s encouraging to find that we’re attracting new investors with each new deal published. The list of registered members continues to grow, with an average investment size of around £67,000 – although it is possible to invest as little as £5,000 with CapitalStackers. To meet the growing demand for investment, we are trialling a new policy where CapitalStackers invests in developments itself and then releases loans onto our secondary market, to make opportunities available for recently joined members”.

Not only does this exceptional development further adorn one of Yorkshire’s foremost areas of outstanding beauty – it will enrich and diversify the local population. It will attract a mix of young professionals, families and downsizers lured by rural village life, and commuters to Leeds and Harrogate, it also offers further proof of the escalating popularity of loan-based property crowdfunding as a consistent route to double-digit returns.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

There used to be a game show on TV called It’s a Knockout, where amongst lots of other silly games, contestants – wearing daft costumes that made walking difficult – used to carry buckets of water across a slippery surface whilst being bombarded with water cannons or sandbags, to try and fill a receptacle at the end of the course.

Obviously, they spilt a lot along the way and were occasionally wiped out altogether and had to start again. But there’s no doubt that if they were dogged enough and did it for long enough, eventually they would fill the receptacle.

This often seems to me to be a good analogy for the stock market.

The award-winning financial advice website, “This Is Money” ran an analysis last year confirming much the same. If you’d invested over any ten year period over the last two decades (except two dodgy phases in the dotcom boom and the financial crash), you were 95% likely to turn a profit. And assuming you reinvested your profits, the average return generated would have been 70%!

Sounds like investment Nirvana, doesn’t it?

But let’s examine those figures a little more closely.

And – for now – we’ll set aside those periods of heart-in-mouth panic as you watch your stock slide and gnaw your fingernails away as you decide whether or not to leave your investments where they are. That’s all part of stock investing, seasoned veterans will tell you. Take your lumps like you take your jumps.

If we accept that you’ve ridden the roller-coaster, pushed your ticker back down to its rightful position each time the market bounced it up into your throat, fought against all your instincts to reinvest hard-earned profit back into the maelstrom from whence you’ve just extracted it…what are you left with?

A 70% profit over 10 years! Sounds like a lot if you consider that if you’d started with £100,000, you’d now be sitting on £170,000.

But over 10 years? If we spread that out on an annual basis and apply a little simple compounding, it amounts to just 5.45% per year. Is that a fair recompense for all the cardiac distress?

So is there an alternative? Property?  Well, it’s more secure, but again, it ties up your capital for years.

So if you could make an annualised return of three times that amount without all the turmoil and without the long-term capital handcuffs, wouldn’t you consider it? Heck, wouldn’t you even do it for twice that average stock market return?

That’s why smart investors have started looking at loan-based crowdfunding of property. Lending to screened-and-approved developers looking for investment to get their projects off the ground. Usually, they’ll have agreed bank funding for around 60% of the building cost and they’ll have their own equity to sink into it too. But the capital gap in between is increasingly being filled by crowdfunders on the FCA-authorised CapitalStackers platform.

And it can be impressively lucrative. Recent investors in a CapitalStackers funded development in York made annualised returns of up to 22.5% in just eight months.

More typically, investors in two current CapitalStackers deals are set to make annualised returns of between 10% and 17%. Those figures look even more attractive when you know that all CapitalStackers investors are able to choose their own return, predicated on the level of capital risk they’re prepared to take (although the risk itself is not terribly off-putting, given that the investment is secured on the property, the developer’s equity/profit is there to cushion any drop in value – and the Loan-to-Value on these deals is within a sensible range of 55% to 72%).

So how might this kind of investment compare with the stock market?

Well, taking a mid-point CapitalStackers investment as an example: If you were to start with £100,000 – on an agreed return of 13.5% – after one year, your nest egg would be worth £113,500.

After two years, you’d have £128,822.

Impressively, you’d have overtaken your stock market earnings in just over four years, and after ten years you’d be sitting pretty on £354,780. Which makes those nerve-wracked stock market investors with their £170,000 look like dabbling amateurs.

As with shares, you don’t need a huge amount to get started. The minimum investment in a CapitalStackers scheme is just £5,000 – but many invest a lot more.

And considering you can access your capital by selling your investment on the secondary market, it’s no wonder more and more of the smart money is moving to loan-based property crowdfunding.

Find out more at www.capitalstackers.com or
by calling 
Steve Robson on 07774 718947
or Sylvia Bowden on 07464 806477
or Tony Goldrick on 07788 373126.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

As the gurus at Motley Fool sound the death knell for Buy-To-Let, calling it an “expensive distraction” and point investors once more to the Stock Market, some more canny investors are sitting back and wondering if there is a third way.

After all, there are good reasons why we British have traditionally invested in property. And yet the FTSE also has very sound reasons to commend it.

But for those who want double digit returns but without the bumpy stock market ride, there is a way to achieve the benefits of both property investing and stock market investing in one, and reduce the drawbacks of both.

Secured on property, but more liquid than buying bricks and mortar – and less volatile than stocks and shares – it consistently brings higher returns than Buy-To-Let, without the overheads, management and conveyancing fees, refurbishment and maintenance costs and stamp duty.

Motley Fool suggests that in every respect other than the ability to borrow to invest, the Stock Market beats Buy-to-Let. And it surely does.

However, loan-based property crowdfunding has many of the advantages listed too. Investing in property developments through CapitalStackers, for instance, can bring you highly attractive risk weighted returns in the time it takes to build a row of houses. Investors in the Foss Place development in York made annualised returns of between 8.5% and 22.5% in just eight months – all within a sensible Loan to Value range of 58% – 75%. 

Like stocks and shares, you don’t have to have saved or borrowed huge sums to get started – you can participate in a building development scheme from just £5000.

And whilst your loan investment is as solid as the houses being built, it’s also more liquid. You can invest in a CapitalStackers scheme almost as quickly as you can buy shares (with the assurance that the due diligence has already been done for you) and if you want to free up your cash, you can sell part or all of your investment on their secondary market.

Although investing in Buy-To-Let is verboten for pension schemes, if you have a SSAS (or access to one) CapitalStackers gives you a route to invest in the same asset class by lending on residential property developments and take your gains free of tax.

But there’s one important advantage that investing through CapitalStackers has over the Stock Market, and it’s this: when you buy shares, you bear all the risk. If they drop in value, your capital gets burnt. There’s no firewall, no cushion, no contingency.

However, with CapitalStackers, even the highest risk layer is cushioned by the developer’s own equity and profit, and you get to choose yourself the level of risk you want to take and the corresponding rate of return.

All of which points to a very healthy alternative to both BTL and the markets. As Warren Buffet once said, “If you can’t invest in the stock market for ten years, don’t invest in it for ten minutes”, and of course, it’s difficult to make any money out of rental properties in the short term. But CapitalStackers can bring you attractive, typically double digit, returns in as little as 6-24 months. In short, as long as it takes the developer to finish a building.

Now, isn’t that worth considering?

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.


A new development in Yorkshire could net you up to 17% return from a minimum investment of £5,000.Aerial View

CapitalStackers is inviting crowdfunding loans to help launch a development of 11 homes along with the purchase of additional land with detailed planning permission for a further 11 houses in a popular location.

Dacre Banks is an English village in the Yorkshire Dales, with the archetypal features of a cricket green, a popular pub, traditional shop and church, plus the added boon of a medical centre.

Homes tend to be highly sought after in this Area of Outstanding Natural Beauty set amid stunning moorland scenery and a tapestry of lush green meadows – just 11 miles from Harrogate and easily commutable from Leeds. Furthermore, historic planning restrictions and a shortage of new build properties have created a healthy build-up of demand.

InfogramGregory Property Group, very experienced developers operating since 1985, have created a scheme with broad appeal – a selection of 2, 3 & 4 bedroom houses (including 5 ìaffordableî homes – two available in the first phase), designed to attract a diverse mix of young professionals, families and older downsizers lured by rural village life, and commuters to Leeds and Harrogate. The houses will sell for between £249,950 and £375,000 (although sales agents have advised that prices may be 5% higher) with a total value for the 11 homes in Phase 1 assessed at £2,794,000 and the whole development at £3,858,584.

Senior funding of £2,340,000 has been secured from Hampshire Bank Trust, so CapitalStackers investors are invited to fill the balance of £504,000, in loans of £5,000 upwards, for returns of between 12.65% and 17.18% for a Loan to Value range of 65% to 73%.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

Chessetts Wood

Two large, luxury houses in Solihull stand to make a tidy sum for CapitalStackers investors. The crowdfunded development – already 58% subscribed – has attracted a lot of attention from existing CapitalStackers investors, many of whom have already made up to 22.5% last year on the platform’s  Foss Place development in York, which paid out early after only 8 months with a Loan-To-Value ratio of 76%.

The Solihull deal comes in with an even more attractive risk ratio of just 67% LTV for a return of 12.59%, and 51.9% LTV returning 10.02%, with the senior funding being provided by Natwest (who have, of course, already carried out their usual due diligence checks).

The development of these two highly-appointed 5-bedroom homes in the sought-after residential area of Lapworth comes courtesy of the experienced Avalanche Capital team, and has already received unsolicited offers from two keen buyers. The groundworks are already complete and building is due to be finished in October this year, at which point investors will be paid back capital and interest.

Investments are invited in the form of a loan, fully secured on the properties, and investors are free to choose the level of risk and return. The minimum investment is £5000 and the CapitalStackers platform is fully authorised and regulated by the FCA.

How do I Participate?

Just take a few minutes to set up your account and we’ll expedite you through the regulatory Know Your Customer process. You can then view full deal details online. If you need any further explanation or help with bidding, just call Steve Robson on 0161 979 0812.

Click here to find out more and get started. We look forward to welcoming you on board.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

CapitalStackers has completed the drawdown of £1.36 million funding for a prestigious development of eight homes, in the pretty Cheshire village of Malpas. Work is expected to start on site later this month and two properties are already under offer at the asking price.

The P2P property lending specialist also successfully negotiated £1.58 million of senior funding from a major high street bank, on behalf of the developer Orchard House. The gross development value of the scheme is £5.1 million.

CapitalStackers’ investors now look forward to returns of between 10.7% and 15.6% per annum over the next 22 months with lending at Loan to Value ratios from 55% to 73%.

Steve Robson of CapitalStackers comments, “Investors were invited, at the back end of last year, to lend into three layers and choose their own level of risk and return. Many are repeat investors, some of whom benefited from returns of up to 22.5% last year on an office to residential conversion we financed in York, however some are new investors, keen to dip their toe into the P2P property lending market.

“They are attracted not only by the high level of returns available, but the transparency and ease of the deals. We now have 150 investors on the books and rising, plus an exciting development pipeline. There are opportunities still available in the Malpas deal through our secondary market.”

Patrick Lomax, Founder and Director of Orchard House comments, “I have been impressed with CapitalStackers detailed knowledge of the property industry and finance market. We dealt with an experienced and senior team who absolutely delivered to the brief and exceeded our expectations. They have access to a wide pool of potential investors and delivered within relatively tight timeframes. We spoke to a number of debt advisors but none came close to the same level of service and professionalism.”

The Orchard House development is only a short walk from the 18th century market town of Malpas, Cheshire – a friendly village community within commuting distance of Chester and Wrexham and close to the Ofsted outstanding Bishop Heber High School.

A number of listed buildings dotted around the immediate area (including the Grade 1 Church of Saint Oswald), lend the site a rare traditional charm. And since the developer has in-house design capability, each of the homes can be partially bespoke to the purchaser’s requirements, which has sparked early interest from buyers with plots already being reserved off-plan.

CapitalStackers investment opportunities appeal to a broad spectrum of investors, from conservatively positioned pension funds to those with a higher risk-and-reward appetite. The minimum investment is £5,000.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

P2P lending platform CapitalStackers has been awarded full FCA authorisation, following a detailed assessment by the FCA.

CapitalStackers is a direct peer to peer lender, matching developers seeking finance with investors. The company aims to plug the funding gap between typical bank debt and the developer’s equity. Investors typically receive double digit returns up to 20%.

Steve Robson, Managing Director of CapitalStackers comments, “We have always had a strong commitment to compliance, abiding by strict codes of conduct and giving our investors total transparency on every deal. Becoming an FCA approved lender is a lengthy and rigorous process and gives investors that extra comfort – it is the icing on the cake. We understand that a number of other P2P lenders withdrew their applications when they realised what was involved, which makes our approval status even more significant.

“At CapitalStackers, we only arrange loans to experienced developers, many of whom have already raised part of the funding requirement through a major high street bank and gone through their independent due diligence process, as well as our own stringent checks. No investment is without risk, but ours are carefully assessed, managed, and transparent.

“Compared to pooled lending, the beauty of direct lending is that investors are fully in control of what level of risk and return they are comfortable with. They choose the deal, loan amount, layer and return and have access to detailed information on which to judge the risks. They like to invest in secured lending against bricks and mortar and the information we provide leaves no room for questions or doubt. They have everything they need to make an informed decision. This transparency and conduct is why our investors are re-investing again and again.”

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

Malpas

CapitalStackers is now inviting investors to participate in a prestigious development of eight highly desirable detached houses in a deal which is expected to yield up to 17% annualised returns with attractive LTV ratios. Click here to download a fact sheet.


The development is only a short walk from the 18th century market town of Malpas, Cheshire – a friendly village community within commuting distance of Chester and Wrexham, and close to the Ofsted outstanding Bishop Heber High School..

A number of listed buildings dotted around the immediate area (including the Grade 1 Church of Saint Oswald), lend the site a rare traditional charm. And since the developer has in-house design capability, each of the homes can be partially bespoke to the purchaser’s requirements which has sparked early interest from buyers with plots already being reserved off-plan.

The Gross Development Value of the scheme is £5.1m, with Royal Bank of Scotland providing the senior funding of £1.58m.

This leaves plenty of room for CapitalStackers investors in this triple layer deal, with target returns pegged at between 10.3% and 16.9% per annum over an anticipated investment term of 22 months and with corresponding Loan to Value ratios of 55% to 73%. CapitalStackers investors will be secured by second charge behind RBS on the development site supplemented by a first charge on some additional property.plot-3-drawings

The development will naturally appeal to a broad spectrum of investors, from conservatively positioned pension funds to those with a higher risk-and-reward appetite, so early involvement is recommended. The minimum investment is £5,000.

For more details, visit www.orchardhouseproperties.co.uk or watch the Orchard House Properties 3D Video here.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.

The Oakapple Group – a Leeds development company – has begun converting the former 4 star Balmoral Hotel in Harrogate into 14 luxury apartments, with the help of funding raised by P2P lending platform CapitalStackers.

The 1image-living-space2,500 sq ft landmark Victorian building on Franklin Mount is being sensitively converted into one and two bedroom elegant apartments ranging from 600 to 1300 sq ft. Completion is scheduled for September 2017 and residents will enjoy on-site parking and original architectural features. The property was built around 1890 as three Victorian villas, converted into a guest house in 1981 and became the Balmoral Hotel in 1984. Oakapple received planning consent in June 2016.

For the developer, the funding solution allowed more effective use of equity. CapitalStackers introduced the senior debt from Hampshire Trust Bank of circa £2.3m and raised the additional £515,000 required within a week of posting the deal. The developer anticipates selling for in excess of £4m.

image-bathroomSteve Robson of CapitalStackers comments, “We are delighted to be playing a significant role in the sensitive conversion of such an imposing and historical building within the centre of Harrogate. Investors will look forward to receiving returns pegged at between 11% to 15.5% per annum within the next 14 months”.

CapitalStackers matches investors direct with developers seeking finance on specific projects. The company aims to plug the funding gap between typical bank debt and the developer’s equity. Investors typically receive double digit returns up to 20%.

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CapitalStackers is authorised and regulated by the FCA. Investment through CapitalStackers involves lending to property developers and investors. Your capital is at risk. Investments through this and other peer to peer lending platforms are not covered by the Financial Services Compensation Scheme. Unless otherwise stated, returns quoted are annualised and gross of tax.