Invest in property-backed short-term finance and earn from 8.00% per annum profit.
Key Features:
Capital at risk. Before investing read key risks here.
EPF INVESTMENTS, property backed finance investments with predictable returns and a monthly income.
1. Terms for the finance are agreed
Borrowers apply to EPF for finance. EPF and the borrowers agree terms. EPF carries out due diligence, and the applications are underwritten.
2. The investment is listed on your Investor dashboard
The investment is then made available as a EPF Finance investment on the Investor dashboard. A breakdown of financials, term sheets and valuation reports can be found within the finance details.
3. Investors commit funds to invest
Investors view opportunities on the Investor dashboard and can invest from £1,000. Email confirmation is sent to investors on the commitment of funds.
4. Transfer of funds
Once the investment has been fully funded, investors will be emailed to send funds within 24 hours. EPF will confirm receipt of funds.
5. Completion
EPF registers a legal charge (the security) over property or land. EPF will hold the security on trust for the investors. Investors will receive an acknowledgement once the finance application has completed.
6. Return for investors
EPF is appointed to act as manager, and monthly statements detailing the profit income is circulated to investors. Profit payments are monthly up until redemption.
7. Redemption
When the finance term ends or, in some cases, if the facility redeems early, investors have their capital returned. Borrowers can also request an extension on their facility. It is possible that a borrower could default, meaning they do not repay their facility on time. Once redeemed, investors can then choose to invest in other opportunities on the Investor dashboard.
CONTACT INFORMATION
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Capital is at risk. Property values can go down as well as up. Borrowers may default and investments may not perform as expected. Profit and income are not guaranteed. Returns may vary. You should not invest more than you can afford to lose. EPF Capital is not authorised by the Financial Conduct Authority. Investments are not regulated, and you will have no access to the Financial Services Compensation Scheme (FSCS) or the Financial Ombudsman Service (FOS). Past performance and forecasts are not reliable indicators of future results and should not be relied on. Forecasts are based on EPF Capital's own internal calculations and opinions and may change. Investments are illiquid. Once invested, you are committed for the full term. Tax treatment depends on individual circumstances and may change. You are advised to obtain appropriate tax or investment advice where necessary. Ethical Property Finance Ltd (trading as EPF Capital) is a limited company registered in England and Wales with registered number (13740131).
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