Private credit portfolios tailored for sophisticated individual investors

Farringdon Portfolio provides access to UK real estate development and other property-backed loans, sourced and executed by our trusted lending partner. We construct tailored portfolios of individual loans for sophisticated private investors.

If you currently hold investments in cash or government bonds, you may be actively considering how to increase the return on your assets without taking on significant capital risk.

Our portfolios are eligible for inclusion in an IFISA. You can maximise your returns by investing tax-efficiently, as these portfolios qualify for your IFISA allowance.

"Secured real estate loans fall into the category of private credit, which carries higher risk and lower liquidity than cash deposits, gilts, or high-grade corporate bonds. However, because private credit typically generates significantly higher returns than gilts, many investors believe that allocating a portion of their fixed income portfolio to this asset class offers valuable diversification."

If you are a sophisticated investor with at least £500,000 in investable assets, private credit is worth considering as part of your overall portfolio.

Please contact us if you would like to learn more or arrange a conversation with one of our portfolio managers.

Notes

1. Currently, all loans are originated by our associated company, Relendex Limited, which has been sourcing and executing Real Estate Loans since 2015.

2. Real estate loans carry capital risk. However, portfolios are constructed to be diversified and aligned with each investor's individual risk profile.

3. Investments are secured against UK property by a legal charge over independently valued property. However, this does not eliminate the risk of loss. Property values can fluctuate, and in the event of borrower default or a market downturn, you may not recover all of your capital. These investments are not covered by the Financial Services Compensation Scheme (FSCS).

4. Tax treatment depends on individual circumstances and may be subject to change. If there is any uncertainty, we recommend that you seek independent tax advice.

5. With persistent low returns on cash and increased volatility in gilt markets, UK investors have continued to diversify into higher-yielding assets, including infrastructure, alternatives, and private credit. Source: Investment Management in the UK 2023-2024, The Investment Association. Private credit investments are not directly comparable to cash and gilts; they are less liquid and carry greater credit risk. This product is for sophisticated and professional investors only.