Think Invest offers the opportunity for property investors and other high net worths to co-invest in our loans. If you have £100k or more to invest, then you could consider partnering with us on our next loan! Typical investments last 9-12 months, so you can gain quick access to returns and avoid the liquidity issues that other investment options pose.
Think Property has dozens of live loans, many of which are available for investment into at rates of 8-10%pa, depending on the risk of the investment. If your risk appetite is higher, as we continue to grow we are also opening up some mezzanine and junior investment opportunities at 10-12%pa. To find out more about co-investing with us with either our standard or higher risk/return investments, click below to fill out our form and we’ll try to respond same day.
Here are 4 reasons why investors choose to invest their capital in our loans.
Our founding investor, Think Principal, invests significant capital into every single loan we make. Many of the team and their families also invest with us, so you can be assured that our interests are aligned.
We intelligently underwrite every loan personally to ensure that we’re not taking unnecessary risks with our capital. You stand to benefit behind years of property investment expertise.
All our loans are secured against UK property, so you will receive the security of an asset-backed investment without the hassle of directly managing real estate.
You select the exact loans you want to invest into. Choose from dozens of different investment opportunities to suit your preferences and risk appetite.
Justin Stewart founded Think Property Finance with the same desire as many other investors: he wanted to make his money work harder for him and was frustrated by the low interest rates banks and building societies offered.
After refining the lending model and building a track record, Think Property Finance expanded into The Think Family, offering co-investors the chance to capitalise on returns alongside us. Think Principal is the founding investment vehicle that invests in every loan alongside co-investors.
Unlike other investment options, co-investing alongside Think Principal means that interests are aligned, because we only profit when you do. We treat your money as if it were our own, and our philosophy is to protect first and then grow. This has allowed us to manage the turbulence of recent times, as we have not sacrificed security in the pursuit of reckless growth.
Co-Investor Capital or
Interest Lost
Alongside Think Principal Ltd, investors lend directly to the borrower and will not be covered by the Financial Services Compensation Scheme. As such, capital is at risk.
We provide Senior Development Loans for up to 18 months on almost any residential project with development costs under £1.5m. As we lend on small- to medium-sized projects, we’re still able to complete in market-beating times where required.
Apply for a loan in a matter of minutes
We’ll work with you to provide the loan you need
Receive funding from within two weeks if required
One such Senior Development Loan was against a block of new-build apartments in Poole. The development proposal changed during the loan, and our flexibility enabled us to meet the borrower’s changing needs during the term.
If you have a project – involving a major refurb, conversion or extension – and require funds for both the purchase (i.e. on day 1) and the development work (i.e. loan drawdowns), then our Light Development Loan is for you. Even with drawdowns, we make the process as simple as possible. And for these projects, we typically don’t even require monitoring surveys, either.
Apply for a loan in a matter of minutes
We’ll work with you to provide the loan you need
Receive funding from within two weeks if required
On this loan, we had a borrower who required a Light Development Loan to purchase an ex-semi commercial unit to convert into flats. They needed funds very quickly, and we were able to structure a deal to provide the loan needed.
If you have your eyes set on a property soon to go under-the-hammer, then our Auction Bridging Loan enables you to go into the auction with confidence. We’ll arrange terms with you up front, so that you know exactly what you can afford to pay. And given the speed with which we complete on loans, delivering on the finance after you’ve secured the property won’t be a problem.
Apply for a loan in a matter of minutes
We’ll work with you to provide the loan you need
Receive funding from within two weeks if required
Here we had a borrower looking to purchase an HMO at auction. We agreed terms upfront, and after the borrower was successful at auction, we completed just a few days later.
If you’re looking for a straightforward, short-term loan against a UK property that you own – or are about to purchase – then our Residential Bridge is for you. We provide terms up to 15 months to help you bridge your funding gap, whether it’s a house sale, refinance, or an other source of funding that’s just a few months down the road.
Apply for a loan in a matter of minutes
We’ll work with you to provide the loan you need
Receive funding from within two weeks if required
Here’s an example of one of our Residential Bridging Loans, on a house in Croydon. Our borrower needed a 6 month loan to purchase a property before selling it on to other developers.
Our Refurb Bridging Loan is for projects where the borrower is looking to refurbish, convert or extend a property. We provide up to 70% of the purchase price on day 1, and the borrower then provides the funding themselves for any work required. Because of this, developers typically love this product when the refurb or conversion costs are small, as it enables them to maximise their day 1 funding.
Apply for a loan in a matter of minutes
We’ll work with you to provide the loan you need
Receive funding from within two weeks if required
We recently lent to a developer who was looking to convert a house in Oxfordshire into an HMO. They had the funds for the conversion, so just needed as much on day 1 to help with the purchase costs. We provided 70% LTV even though another lender had down-valued the property.
