Garhill is offering an opportunity for high net worth and/or sophisticated investors in our financially attractive rates of return due to the projects and property professionals we select and provide loans to.
By working in partnership with our investors and combining the experience, expertise and cash retained in Garhill with investor funds, profits can be created and shared.
Q&A - INVESTORS
Who are Garhill?
Established in 1981, we specialise in providing loans for property projects. We commenced trading as property consultants before setting up and operating as construction contractors, property developers and investors and some 20 years ago focusing on our current activity of property lenders.
Why should I choose to invest in Garhill?
Because of our experience, expertise, proven track- record, relationships we have developed with our customers and professional team and our secure financial position.
We are now offering the opportunity for investors to share in our proven business model and financial success.
How would my money be invested?
Garhill provide loans to selected borrowers for property projects. Investors money will be used for loans advanced to existing and new customers to assist the Garhill customers purchase and develop land and/or properties to create value and profits.
Is my money safe?
Garhill has a long-standing track record of success evidenced by positive annual net profits and increasing net assets (currently £3.25m) derived from retained profits, over a 30-year period.
All of the loans Garhill advance are to experienced and successful property developers or owners. The loans are secured with a legal charge in favour of Garhill, registered at the Land Registry. We also take personal guarantees from our borrowers.
How do I receive my interest payments?
Interest is paid quarterly in arrears by standing order.
How do I apply to invest?
Contact either Tony Harris or Alan Herbertson at Garhill.
Once you have decided the loan amount you wish to lend to Garhill, a Loan Agreement will be submitted to your solicitor, the document signed by you and a Garhill director and the funds transferred from our solicitor to your solicitor.
We meet all investors and require proof of the source of funds and evidence of investor experience and awareness of the risks of investment.
How do I decide which investment option
We will provide the reasons for the different rates of interest and answer any questions before you decide the lending product which best suits your financial goals.
What does 'Lone to Value (LTV)' mean?
This is the ratio of a loan amount to the value of a property asset. Example - £60,000 loan and £100,000 capital value of a property equates to an LTV of 60%, £60,000 divided by £100,000.
How long would my money be tied up for?
Loan terms of 12 to 36 months can be selected.
How much would I need to invest?
Minimum £50,000 up to a maximum of £1,000,000.
Can I get my money back at any time?
No, but if the Garhill cash flow allows, we will seek to accommodate early repayment.
How do Garhill offer such attractive interest rates?
The property market is not single faceted, it is heterogeneous. The term “property market” is a general label that does not reflect the numerous variables that determine whether a property project will be profitable.
Our expertise is used to source and approve those projects that will create profits for the Garhill loan borrower, Garhill and investors. Opportunities need to
be differentiated by geographical location, type, size, seller circumstances and market demand. Within any given property market, rising, falling or static, we identify those projects which create value and profits.
We focus on projects and property borrowers that meet strict criteria, with specific local market demand in strong residential and commercial areas.
The principal partners in Garhill, Tony Harris and Alan Herbertson, have over 50 years’ experience in identifying and managing profitable property projects and creating profits.
A key skill within Garhill is our ability to identify and back schemes and borrowers that produce profits.
The funding we provide is not ultra-price sensitive rather credit and opportunity led, resulting in higher than average returns for all parties, lender and borrower.
We now wish to take advantage of our unique market position and modelling and share profits for mutual benefit, through above average rates of return on investors funds.