Own UK property exposure — without becoming a landlord.
Capital at risk. Property investment is illiquid and values can fall as well as rise. Past performance is not a reliable indicator of future results. Pennine Investments does not provide regulated financial advice — seek independent advice from an FCA-authorised adviser.
Three routes. One operator. Total transparency.
Joint Ventures
Co-invest on a specific project. Defined term, defined return profile, secured against the asset.
From £50,000
Loan Notes
Fixed-rate debt instrument with quarterly interest. Asset-backed, term-defined.
From £25,000
The Pennine Circle
Our private community of returning investors. First access to opportunities, quarterly briefings.
By application
Everything in one document — review it on your own time.
- Live opportunities and projected returns
- Asset security structure & legals
- Investor case studies
- Fee structure — no hidden costs
- How to qualify as an investor
Download the Investor Pack
Live opportunities, security structure, track record. Free, no obligation.
What we tell every investor — twice.
How we mitigate risk
- · First-charge security on the asset wherever possible
- · Conservative LTV and sktress-tested cashflows
- · Independent solicitor on every transaction
- · In-house management — we never outsource the asset
- First-charge security on the asset wherever possible
- Conservative LTV and sktress-tested cashflows
- Independent solicitor on every transaction
- In-house management — we never outsource the asset
What can still go wrong
- · Property values can fall
- · Refinance terms can shift, affecting returns
- · Projects can over-run, delaying capital return
- · In extremis, capital can be lost
- Property values can fall
- Refinance terms can shift, affecting returns
- Projects can over-run, delaying capital return
- In extremis, capital can be lost
Investor questions, answered straight.
What returns can I expect?+
Each opportunity is presented with its own projected return profile. Loan notes typically pay fixed quarterly interest; JV deals target a project-level IRR. All figures are projections — capital is at risk and returns are not guaranteed.
How is my capital secured?+
Most opportunities are secured against the underlying property asset. Full security structure is documented in the deal information memorandum, reviewed by independent solicitors.
Is this regulated?+
Pennine Investments does not provide regulated financial advice. Opportunities are typically structured for high-net-worth, sophisticated or restricted investors as defined by the FCA. You should seek independent advice before committing capital.
How long is my capital locked in?+
Varies by opportunity. Typically 12–36 months. Each deal sets its own term, which is disclosed up front.
Can I exit early?+
Generally no — these are illiquid investments. We are upfront about this in every deal pack.