Can You Earn 10% Returns From UK Property — And Protect Your Capital?

One of the most common questions we get is:

“How does your 10% return actually work?”

We structure our projects to offer 10% per annum (0.8% per month) to private investors, secured against property via a first legal charge.

But the return is only part of the story.

Capital protection comes first.

Here’s exactly how we structure it.

The Basic Structure: 10% Per Annum

Our standard structure is:

• 10% per annum
• Equivalent to 0.8% per month
• Typically paid at project completion
• Option to roll capital into the next project

Example:

£100,000 invested
After 12 months → £110,000 returned

If the project completes in 3 months:

0.8% x 3 months = 2.4% return

£100,000 → £102,400

Capital is then either:

• Returned with profit
• Or reinvested into the next deal

We treat capital as active, not idle.

First Charge Security: Protecting Investor Funds

Every investment is secured via a first legal charge on the property.

This means:

• The investor is registered at Land Registry
• The charge sits against the property title
• In the event of default, the charge holder has priority

This is critical.

We do not operate on unsecured “trust-based” agreements.

Capital is asset-backed.

How We Select Deals

We only deploy investor funds into deals that stack from day one.

Typical deal types include:

• Residential flips
• Buy, Refurbish, Refinance (BRR)
• Title splits
• Commercial-to-residential conversions

But regardless of strategy, the rule is simple:

If the numbers don’t protect margin, we don’t proceed.

How We Build Margin Above the 10%

We work to a minimum 20% project return.

Importantly:

That 20% is calculated after accounting for the investor’s 0.8% monthly return.

In simple terms:

1. We model full costs
2. We deduct investor return
3. We stress test timelines
4. We build buffer
5. Only then do we assess our own profit

We get paid last.

Investor return is prioritised.

Example Deal Breakdown

Here’s a recent deal modelled inside Property Assistant:

• GDV: £95,000
• Refurbishment: £6,000
• Professional fees: £2,750
• Stamp duty: £2,175
• Cost of finance: £1,958
• Total project cost: £56,383
• Projected profit: £38,618
• ROI: 68.49%

(See analysis snapshot above.)

Even with conservative assumptions, there is significant margin before investor return is deducted.

This is intentional.

We do not operate on thin margins.

Shorter Projects, Faster Capital Rotation

Many of our projects target:

• 3–6 month timelines

Example:

If a project completes in 3 months:

Investor earns 2.4% (0.8% x 3 months)

Capital can then be redeployed into the next project.

Over 12 months, capital may work across multiple deals.

Speed increases annualised returns.

What Happens If Things Go Wrong?

Every deal is stress-tested for:

• 5–10% reduction in GDV
• Refurb overruns
• Extended timelines
• Market slowdown

If the deal still protects investor capital under pressure, we proceed.

If not, we walk.

We would rather miss an opportunity than expose capital unnecessarily.

Minimum Investment

Current minimum investment: £25,000

We are primarily working with:

• Sophisticated investors
• High-net-worth individuals
• Experienced property investors
• Passive capital partners

This structure is not designed for retail investment.

Why Not Just Use Bank Finance?

Because:

• Bridging rates are high
• Banks reduce flexibility
• Speed matters
• Relationships matter

Working with private investors allows:

• Faster completions
• Negotiation strength
• More agile execution
• Scalable growth

But only when structured properly.

Why We Invest Alongside You

We have £150,000 of our own capital committed to the business.

We invest in our own deals.

Our money sits in the same projects.

That alignment matters.

We don’t win unless the project performs.

Important Note

We are not FCA authorised and do not promote regulated investment products.

Each project is structured as a private agreement, secured against a specific property asset.

Prospective investors should take independent financial and legal advice before entering into any agreement.

Transparency matters.

Who This Is For

This structure may suit individuals who:

• Want asset-backed exposure to property
• Prefer defined returns
• Value capital protection
• Understand project-based investing
• Are comfortable with short–medium term timelines

It is not designed as a savings alternative.

It is designed as structured property-backed lending.

The Bigger Picture

We are building FAA Property full-time.

That means:

• Disciplined acquisition
• Strong margin protection
• Transparent reporting
• Conservative modelling

The 10% return is not the headline.

The structure is.

If you’re interested in learning more about how we structure projects, or discussing potential collaboration, get in touch directly.

Every deal is different.

But the principles remain the same:

Protect capital first.
Build margin second.
Profit third.

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