Our unique strategy puts you in control of your funds.
Our point of difference
Demand for UK short-term lending in the property market is strong, and historically funding has been met by traditional banks supported by alternative lenders. Specialist alternative lenders like Regatta Financial Solutions have a robust and streamlined lending process, reaching decisions within days, thus enabling borrowers to proceed quickly and capitalise on financially sound opportunities with good margins.
Unlike most trusts or other IHT strategies, our service ensures you retain control and ownership of your funds, with the option to receive an income.
Central to our business is a disciplined approach to risk management. We originate, administer, and monitor all funding investments, with funds being diversified across the portfolio and secured over all the property and commercial assets.
Our experienced management team are themselves industry experts and we pride ourselves on working alongside professional advisors, accountants, solicitors and financial planners who share our core values of putting the investors interests first, operating in an authentic, fair and transparent way.
Investment strategy
The key to our success is working with experienced developers with a proven track record of delivery within a defined criteria.
Borrowers are experienced business owners and professional property developers, and all loans are secured over UK property and commercial assets.
Property lending will generally be in areas with a sustainable property market where there is a fundamental demand for housing. This is currently in and around the South East and Midlands, or areas close to other major cities throughout England.
In the current climate we are highly cautious on £2 million+ homes, or property hotspots that are not supported by our fundamental investment principles.
We typically invest in multi-unit developments with a total sales value of £2 million to £15 million.
We work with other experienced lenders, investing primarily in residential development transactions in our market sector.
Projects of this size can accommodate the best professional advisers and will often give corporate and personal guarantees.
Margins on these developments are typically higher than those of smaller developments, meaning that there is greater protection in the project in the event of a housing market downturn.
Demand in our sector is high, meaning properties sell quicker, thus providing liquidity in this end of the market.
Market conditions do change over time, and we are committed to remaining flexible and open to lending opportunities which present good risk-adjusted returns for investors.