LENDING TO GARHILL
Garhill is offering an attractive rate of return, to high net worth individuals and/or sophisticated investors, on monies loaned to the company.
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.
Be channel-agnostic.
No matter where it started, Garhill Limited Account keeps it organized.
Chat with context.
See the history of every conversation and interaction.
Get started in seconds.
Connect your channels and start messaging right away.
6% - 8%
per annum offered to qualified lenders
Min. Loan Amount
Max. Loan Amount
Loan Term
£....100,000
£.2,000,000
12 - 36 months
Interest payable quarterly in arrears
WHY LEND TO GARHILL?
Experience and industry knowledge honed over a 40-year period that has seen periods of political and economic turbulence as well as high and low interest rates and property peaks and troughs
Throughout this time period we have created, and continue to create, consistent and
increasing net profits and balance sheet net assets
We offer a loan product that is in demand from successful and financially strong customers
Funds secured on high equity property projects and assets
Robust and tested loan and security documentation that is clear, specific and practical, to record, monitor and assist customers and project performance
Project management and monitoring to create and protect profit and assets
Professional support team – provide a high-end service to Garhill and its customers
A proven business model delivering loan products and services in high demand
Not regulated by the FCA, allowing for greater control over loan criteria and access to a wider market
FINANCIALS
Not Including Accumulated Interest & Exit Fees
Year End (as at 31 March)
Net Profits £000
Net Assets £000
2021
£261
£3,411
2022
£508
£3,795
2023
£672
£4,299
Including Accumulated Interest & Exit Fees
Year End (as at 31 March)
Net Profits £000
Net Assets £000
2021
£261
£4,024
2022
£508
£4,869
2023
£672
£6,000
Be channel-agnostic.
No matter where it started, Garhill Limited Account keeps it organized.
Chat with context.
See the history of every conversation and interaction.
Get started in seconds.
Connect your channels and start messaging right away.
LENDING FAQs
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 £6.8m) derived from retained profits, over a 40-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.
How do I apply to invest?
Contact Garhill's Director, Alan Herbertson.
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 to take?
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 'Loan 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 can I lend?
Minimum £100,000 up to a maximum of £2,000,000.
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.
Garhill's founder and Managing Director, Alan Herbertson, has over 40 years experience in identifying and managing profitable property projects to create 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.
Be channel-agnostic.
No matter where it started, Garhill Limited Account keeps it organized.
Chat with context.
See the history of every conversation and interaction.
Get started in seconds.
Connect your channels and start messaging right away.
Your link to fast and flexible finance
Garhill Ltd
Dorridge, Solihull, West Midlands
Awesome Words
from clients
Garhill Limited Account unified inbox helps clients get to leads quicker so they don't lose business
Shannon Hanrahan
Realtor
"Clients used to message me on several platforms and it wasn't uncommon for me to go weeks before seeing their messages. Now I see them instantly, in the same message thread, so I'm able to serve my clients quicker, and better."
Robert Wills
AZ Plumber
"Garhill Limited Account helps me never miss another chat conversation with potential leads. It used to be a hassle finding customer's messages, now it's easy and they're all in one place."