PROPERTY INVESTING... WITHOUT THE RISK
Let us generate the return you're looking for.
The only way to create a truly passive income from property is by letting someone else do all the work (that’s us, by the way.)
PROPERTY INVESTING... WITHOUT THE RISK
Let us generate the return you're looking for.
The only way to create a truly passive income from property is by letting someone else do all the work (that’s us, by the way.)
The Problem
In an ideal world, you’d have all the time you need to do your own deals, and build your own portfolio. You’d be able to find good projects any time you want them, and have the team in place to push through planning applications, manage renovations, and look after tenants.
But the reality is that this stuff takes time, it takes expertise to get it right, and maybe when you really think about it, all of that sounds like a lot of hassle anyway!
You’re interested in property investing, but more than anything you’re interested in earning a better return on your capital than it sitting in the bank earning less than 1% , or maybe 5% if you’re lucky from a managed stock fund (and that’s before the fund manager’s fees!).
The Problem
In an ideal world, you’d have all the time you need to do your own deals, and build your own portfolio. You’d be able to find good projects any time you want them, and have the team in place to push through planning applications, manage renovations, and look after tenants.
But the reality is that this stuff takes time, it takes expertise to get it right, and maybe when you really think about it, all of that sounds like a lot of hassle anyway!
You’re interested in property investing, but more than anything you’re interested in earning a better return on your capital than it sitting in the bank earning less than 1% , or maybe 5% if you’re lucky from a managed stock fund (and that’s before the fund manager’s fees!).
GOT A PENSION?
Did you know...
that you can also take control of your pension and invest that in projects like ours to get a significantly better return as you prepare for retirement?
And whether you’ve realised that you never need to be involved in a hands-on way with your property investments, or that now simply isn’t the right time for you, we can help you get those desired returns without all the effort.
GOT A PENSION?
Did you know...
that you can also take control of your pension and invest that in projects like ours to get a significantly better return as you prepare for retirement?
And whether you’ve realised that you never need to be involved in a hands-on way with your property investments, or that now simply isn’t the right time for you, we can help you get those desired returns without all the effort.
GOT A PENSION?
Did you know...
that you can also take control of your pension and invest that in projects like ours to get a significantly better return as you prepare for retirement?
And whether you’ve realised that actually you never need to be involved in a hands-on way with your property investments, or simply that now isn’t the right time for you, we can help you get those desired returns without all the effort.
WHY WE WORK WITH PRIVATE INVESTORS
Over a decade ago we started building our own portfolio, with our own capital. After that ran out (we don’t see that as a bad thing – it was fairly limited to start with, and gradually got tied up in deposits across our earlier deals), we started relying on bridging finance more and more for new purchases.
Gradually though, we realised that there was another way…
Our preference now is always to work with private investors wherever possible, and I wanted to explain our reasoning behind that.
- The typical funding route for development projects like the ones we work on is bridging finance or development finance.
- The cost of this type of finance can be up to 10-12% per year, plus fees. It's the fees that are the killer - often a 1-2% setup fee of the total loan amount, plus additional costs like the lender's legal fees.
- We realised a few years ago that there's a lot of interest from investors like yourself, with some cash that's earning very little interest, to get involved in projects like ours. You can earn a far better return, you can get some insights into how we run our projects (if you're interested in that side of things), and we can happily pay you the same interest rate we'd pay the banks, knowing that we're still saving on all the fees.
WHY WE WORK WITH PRIVATE INVESTORS
Over a decade ago we started building our own portfolio, with our own capital. After that ran out (we don’t see that as a bad thing – it was fairly limited to start with, and gradually got tied up in deposits across our earlier deals), we started relying on bridging finance more and more for new purchases.
Gradually though, we realised that there was another way…
Our preference now is always to work with private investors wherever possible, and I wanted to explain our reasoning behind that.
- The typical funding route for development projects like the ones we work on is bridging finance or development finance.
- The cost of this type of finance can be up to 10-12% per year, plus fees. It's the fees that are the killer - often a 1-2% setup fee of the total loan amount, plus additional costs like the lender's legal fees.
- We realised a few years ago that there's a lot of interest from investors like yourself, with some cash that's earning very little interest, to get involved in projects like ours. You can earn a far better return, you can get some insights into how we run our projects (if you're interested in that side of things), and we can happily pay you the same interest rate we'd pay the banks, knowing that we're still saving on all the fees.
Invest in a Savings Account
Less than 1%
Invest in the Stock Market
4%
(average 5 year performance of FTSE 100 to December 2021)
Invest With Us
8-12%
(return is fixed, but dependent on investment amount)
Invest in a Savings Account
Less than 1%
Invest in the Stock Market
4%
(average 5 year performance of FTSE 100 to December 2021)
INVEST WITH US
8-12 %
(return is fixed, but dependent on investment amount)
The Process
Investing with us is very simple.
STEP
01
Request additional information on working with us using the application form on this page. We’ll email you to confirm we have the right contact details, before sharing information on the latest projects we’re working on.
STEP
02
Once you’re satisfied that we’re the right place to entrust your money, and provide the return you’re looking for, we’ll prepare a draft loan agreement for you to review and understand what you’re agreeing to. The loan agreement is a fairly simple document, but we’d always encourage you to get independent advice if any part of it doesn’t make sense – just be warned that in our experience, ~90% of accountants or solicitors will advise against making loans to private companies (before passing you the details of their own in-house financial adviser 😉).
STEP
03
Following some final checks (a general sense-check that we’ll work well together; confirmation that you meet the guidelines as a sophisticated investor and/or a HNW individual; and anti-money laundering checks) we can issue the final agreements for signing and arrange a date for the loan transfer to be made.
STEP
04
Once you’ve made an investment, you can leave the hard work to us. The typical duration for a first investment is 12 months, and during that time your funds will be used towards the purchase and renovation of our ongoing projects. We’ll keep you updated on a monthly basis with progress across all of our projects, and every quarter we arrange tours of our sites exclusively for our investors, if you’re interested in learning more about how we work, what you’ve invested in, and perhaps even how to build your own portfolio. At the end of the investment term, your capital will be repaid along with your earned interest, at which point we can discuss whether or not you’d like to continue to invest with us.
It’s important to note that whilst we promote specific projects when raising finance, your loan will be made to our limited company rather than to any one project. This means that if for some reason one project doesn’t go to plan, or it takes longer than expected, you have the security of the income and value of all the other properties owned by the company. This reduces your risk and ensures that we can guarantee the return of your investment, and your interest, regardless of the success of any one project.
The IPI Investment Experience
Our number one priority is always to ensure our investors get what we promise. Without your trust and support, we’re back to working with banks, paying more in fees, and being slowed down as we jump through their hoops.
Return OF your investment takes precedent above all else, and whilst we’re actively growing our business and portfolio, each project we take on is limited in size so that if there are any issues, the income and asset value of the rest of the portfolio will protect your investment.
The return ON your investment is obviously critical as well. As this is a loan rather than an equity based investment, the interest rate is fixed and will be paid even if a project is a disaster for us. Obviously we don’t expect it to be the case that any project is a disaster, but the point is, you get paid either way.
In addition to the actual loan and your return on it, we have a couple of other perks we include for our investors, should they be of interest to you.
MONTHLY UPDATES
Every month, we’ll share a project update from each of our active projects with our investors. These updates include progress made, issues identified, and planned next steps. By seeing progress from across our portfolio, you’ll have a better understanding of the overall health of our business, as well as insights into how we run our projects if you’re interested in developing yourself.
QUARTERLY TOURS
Every quarter, we offer a tour (virtual or in-person, depending on Covid status, site safety, investor preferences, etc) of some of our current projects to give you a behind the scenes experience of our most active and exciting projects. These tours give you a great chance to really understand where each project is up to, learn from our experience, and get any of your questions answered by our team about your investment, our projects, or your own investment plans.
So as well as a hard-to-beat return on investment, and an established business ensuring the security and return of your investment (vs investing in a single project), we also give you the opportunity to follow our progress closely and learn from your investment with us!
WHY YOU CAN TRUST US
Mike Stenhouse
CEO
Victoria Stenhouse
CEO
Jess Chantler
Operations Manager
Will Keefe
Project Manager
Morgan de Vos
Marketing Manager
If you’ve made it this far, but aren’t actually sure who we are, let me give you a brief introduction. The team behind Inside Property Investing is led by me, Mike Stenhouse, and my wife, Victoria. We’ve been investing in property for over 15 years (since I bought my first buy-to-let in 2006), and doing it full time since 2015.
We’ve been through some ups and downs, we’ve made some good decisions and some bad, and we’ve learnt how to get the best returns from our investments.
Our focus now is predominantly on commercial to residential conversions, in and around our home town of Stockport. We only invest on our door step – it’s where we are the experts, where we have a team we can trust, and where we know we can generate the returns we promise you.
In addition to us, we are extremely fortunate to have Jess leading the day-to-day operations of the business. With over a decade of experience in property management and portfolio building, she knows everything there is to know about the local market, and the logistics of operating a property company at scale.
Together, we are working towards developing 500+ units over the next decade. We have the experience, the track record, and the capability to scale, and by partnering with you we can achieve more than either of us could do independently.
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Developed Properties
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Years In The Industry
Who it's right and wrong for...
IS THIS RIGHT FOR YOU?
We are delighted that you’re considering partnering with us to improve the return on your capital. We’ve spent 15 years refining our processes to take that capital, use it to add value to property, and deliver a secure return on your investment that’s hard to beat.
Before we go any further, ask yourself the following questions to understand if we’re a good fit to work with you:
better return than most savings and investment options currently offer (we typically won’t consider larger investments until we’ve worked together for 12 months and know whether we both want to continue. If you are looking to invest a larger amount, please reach out to us to discuss what options exist).
secure and your return is guaranteed for at least 12 months – our minimum term gives us sufficient time to deploy your investment and generate the most lucrative returns, and our interest rates are fixed so that you know exactly what return you’ll get at the end of the term, regardless of whether we deliver a project on-time or on-budget.
8-12% per year from your investment (depending on loan amount) – with interest rates at an all time low and uncertainty across many markets, we hope you agree that our entirely passive returns are hard to beat.
interested to receive monthly updates on each of our projects, as well as invites to quarterly site tours to learn more about how we run our renovations and our business – there’s no requirement to have an interest in what we do, but whether it’s simply to keep an eye on your investment, or with a view to learn from us before investing on your own in the future, we offer full visibility to the progress of each project we’re working on.
If you find yourself nodding your head in agreement with the above questions, then we could be a perfect match. Provide some basic contact details and we will send you information on our latest projects and investment opportunities.
WHAT OUR CLIENTS SAY ABOUT US
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