Private Secured Property-backed Lending Opportunities in the UK

Lend Against UK Property Projects and earn a Fixed Return Through Secured Property Lending

We provide private secured property lending opportunities across the UK for 'Sophisticated' and High Net Worth Investors seeking a predictable return backed by real assets.

Capital is lent by way of secured loans against specific UK property projects, rather than pooled funds or equity investments. Each loan offers a pre-agreed fixed rate of return over a defined term and is supported by registered security over property.

How Private Property Lending Works in the UK - Our approach to private property lending in the UK is deliberately simple and transparent:

• Capital is lent against individual UK property projects only
• Each loan is secured by a second legal charge over the property
• Loan terms, interest rate, and duration are agreed in advance
• The minimum loan amount is £50,000 per project
• Lenders receive monthly updates covering progress versus plan and cost versus budget
• Capital is repaid on exit, typically through sale or refinance

This is private property-backed lending, not equity investment - secured property lending vs equity investment

Private secured lending differs fundamentally from equity investment or joint-venture structures commonly used in property development. With secured property lending, returns are fixed and agreed upfront, loans have a defined term and repayment date, capital is secured against property, and lenders rank ahead of shareholders.

Second Charge Property-backed Lending Explained

Loans are secured by a second legal charge over a specific project property. A second charge ranks behind a senior lender but ahead of shareholders and unsecured creditors.

Reporting, Transparency, and Capital Protection

Transparency is central to our approach. Lenders receive monthly updates on progress, costs, and material developments.

Regulatory Information

Private property-backed lending is secured against property, but security does not guarantee repayment. These opportunities are not regulated by the Financial Conduct Authority and do not provide FSCS protection. Our private property lending promotions are made under FSMA and Financial Promotion Order exemptions and are available only to High Net Worth and Sophisticated Investors. Capital is at risk. Private property lending is secured against property, but security does not guarantee repayment. Investors may lose some or all of the money they lend.

Private Property Lending – Next Steps?

Prospective lenders can register their interest here without obligation to receive further information about our private secured property lending opportunities in the UK. After successfully registering, you will be able to:

Access the full lender prospectus
Receive advance notification of upcoming property projects
Review project-specific details and decide whether you wish to lend against a particular property project

Each opportunity is presented on an individual, project-by-project basis, allowing you to assess the terms, security, and structure before making any commitment.

To request further information, please complete our confidential Expression of Interest enquiry form.

Frequently Asked Questions:

Q. What is private property-backed lending in the UK?
Private property-backed lending involves lending capital directly to us for our own specific property projects, in return for a fixed return, secured against the property.

Q. Who is Corton Ridge Limited (the 'borrower') and what is our experience in property investment and development?

Corton Ridge Limited is a UK-based property investment and development business with a disciplined, project-led approach to acquiring, developing and managing property assets. The business combines hands-on experience in property investment, development execution and project management, supported by professional governance and a trusted adviser network. Private lending opportunities are structured around specific property projects, with clearly defined loan terms, registered security, conservative assumptions and defined exit strategies. Corton Ridge Limited invests its own capital and is subordinated to private lenders, ensuring alignment of interests, All opportunities are offered as private secured loans to Sophisticated and High Net Worth Individuals and are not regulated by the Financial Conduct Authority (FCA). - What is a 'Sophisticated' investor and a 'High Net Worth Individual' (HNWI)?

Q. Who Can Invest in Private Property Lending?

Opportunities are available to UK resident :

Certified or self-certified 'Sophisticated' Investors (individuals)
High Net Worth Individuals (individuals)
Certain categories of corporate or institutional persons

What is a 'Sophisticated' investor and a 'High Net Worth Individual' (HNWI)?

Or submit our confidential Expression of Interest enquiry form for further information and investor eligibility.

Q. Can companies or trusts Invest in Property-backed Lending?
Yes. Corporate and trust lenders may participate where the individuals controlling the entity are experienced and able to assess the risks of private secured property lending, and therefore these controlling individuals are then Certified or self-certified 'Sophisticated ' investors - Further information is available here or submit our confidential Expression of Interest enquiry form for further information and investor eligibility.

Q. Can Introducers refer 'Sophisticated' Investors and High Net Worth Individuals?

Yes, we welcome introductions, subject to acceptance of our Introducers Terms & Conditions and our Introducer Fee schedule - see here for more information

What is a 'Sophisticated' investor and a 'High Net Worth Individual' (HNWI)?

Q. Is private property-backed lending regulated?
No. It is not FCA regulated and no FSCS protection applies. Private property lending is secured against property, but security does not guarantee repayment.

Q. What is the minimum investment and maximum investment?
the minimum investment is £50,000 per project. The maximum investment is dependant upon each project funding requirement.

Q, How are lender funds protected before deployment?
Funds are held in a designated client account and released only when required for the specific property project. Capital is not pooled or used for other purposes, and lenders receive regular updates on progress and use of funds.

Q. What is the typical Loan Term:

6–24 months, depending upon project size.

Q. What is the typical interest rate payable?

Fixed at 2-4% per annum over UK Base Rate at the loan agreement date

Q. How is interest accrued and paid to lender investors?

Interest is accrued daily, rolled-up and payable in full at the end of the Term

Q. Are regular project updates provided to Lenders?

Lenders receive monthly Loan Account Statement and project updates covering project progress versus plan, costs versus budget and any material developments.

Q. What is the maximum Loan-to-Value (LTV) for each project?

The maximum LTV for a project is 75% of combined senior and private debt

Q. What are the Key Risks?

Included, but not limited to; change in market conditions, project delays and cost overruns.

Q. How are project risks mitigated?
Mitigations include conservative assumptions, contingency allowances, professional project management, and regular lender reporting.

Q, Are UK Anti-Money Laundering (AML) Checks Required?

Yes. Although private lending arrangements are not regulated by the Financial Conduct Authority (FCA) and we are not a 'Regulated Person', we operate a "no funds accepted without checks” policy as we have a legal obligation under the Proceeds of Crime Act 2002 (POCA), and compliance obligations to our partner banks and financial institutions to comply with AML legislation. The following information will be required from you: proof of identity (passport or driving licence), proof of residential address (utility bill or bank statement), confirmation of your investor classification and evidence of the source of your funds. This information is processed strictly in accordance with our Privacy Policy