Your investment in property or unlisted shares in property should only be considered as part of a diverse portfolio which contains investments of different kinds and where you do not put too great a proportion of your capital into one particular type of investment.
Estimated returns are subject to risks around timescales, tenant risk and other costs.
Tenants may not pay their rent or properties may be untenanted for periods or property sales can take longer than expected and such bad debt or void periods would impact on returns.
Purchases that do not complete, fees or other costs (including refurbishment) may be greater than anticipated all of which would impact on returns.
The market value of property can go down as well as up and the return of your capital would be dependent on a sale of a property or rental income which is not guaranteed.
Costs or tenant risk referred to in the section headed ‘dividend risk’ above could impact on capital returns as well as hidden defects or other unexpected costs relating to a property.
Any further issue of shares by a company (which may be required for further fundraising) would dilute your investment.
The shares are unquoted, and there is no trading platform or quotation for them. You could sell shares, should you find a willing buyer, but such shares may constitute a minority holding in an unquoted company and as such may hold little value until a Property is sold.
Any loans made secured against property should only be considered as part of a diverse investment portfolio which contains investments of different kinds and where you do not put too great a proportion of your capital into one particular type of investment.
The market value of property can go down as well as up and the return of your capital may be dependent upon the Borrower selling a property. This can never be guaranteed.
Repayment of loans is not a certainty, and from time to time borrowers may default. The property Boutique tries to mitigate this risk by having a full due diligence process to assess the project and the borrower before listing the investment or investment property. Unexpected things can happen and the due diligence process does not completely remove the risk inherent in purchasing a property, lending and/or investing. You may not receive all your capital back and the process to repossess and sell a property could alter the time your money is tied in.
A loan made with us is illiquid – there is no ability to transfer the benefit to a third party. Once the loan is made you are committed to it for the period of the loan. However we do endeavour to conclude property transactions which would yield the best returns in the shortest possible time frame considering all stakeholder interests.
