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0203 002 7788

Fully Regulated by The Property Ombudsman

  • ​​From £10,000 entry.

  • 24 or 48-month fixed term structure.

  • Income or growth return options available.

  • Returns start at 11% p.a. and range up to 17% p.a.

  • Secured via legal charge across a multi-million pound portfolio.

  • Proven delivery since 2019 with no late payments, ever.

  • Incentives available for higher investment levels.

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Hi {{first_name}}, Thanks for your enquiry. As requested, here’s a straightforward overview of the latest property-backed investment opportunity we’re currently introducing. I’ve also included links below to the full brochure, projected returns examples, and the developer’s project track record for you to review in more detail. [INSERT BROCHURE LINK] [INSERT RETURNS LINK] [INSERT TRACK RECORD LINK] This opportunity is designed for investors seeking stronger fixed returns without the hassle, costs, or responsibilities of owning property directly. ## The opportunity at a glance * Minimum investment: **£10,000** * Investment term: **2 years or 4 years** * Fixed return options * Property-backed structure * Independent FCA-regulated Security Trustee * UK property development focused ## Return options ### 2-Year Options **Income Option – 22% total return** Paid every 6 months **Growth Option – 26% total return** Paid in one lump sum at maturity ### 4-Year Options **Income Option – 60% total return** Paid every 6 months **Growth Option – 68% total return** Paid in one lump sum at maturity ### Example returns **£10,000 investment** * 2-Year Income: **£2,200** * 2-Year Growth: **£2,600** * 4-Year Income: **£6,000** * 4-Year Growth: **£6,800** **£50,000 investment** * 2-Year Income: **£11,000** * 2-Year Growth: **£13,000** * 4-Year Income: **£30,000** * 4-Year Growth: **£34,000** --- ## How does it work? In simple terms, investors lend funds to a dedicated HJ Collection project company under a formal loan note agreement. Those funds are then used to acquire and redevelop commercial buildings into residential property across the UK. HJ Collection’s model focuses on identifying underused or undervalued sites, improving them, increasing their value, and exiting through refinance, rental income, or unit sales. At the end of your chosen term: * your original capital is scheduled to be returned * any remaining returns are paid * or reinvestment can be discussed if suitable --- ## Security — how is investor capital protected? This is understandably one of the biggest questions investors ask. Unlike many unstructured private investments, this opportunity has a formal security framework built around it. An **independent FCA-regulated Security Trustee** is appointed to act on behalf of investors. Their role is to: * hold the relevant security for investors * represent investors collectively * oversee the security position independently from the developer * act in accordance with the agreed security structure The investment itself is secured via a **debenture over the relevant SPV (special purpose vehicle)**. In plain English, this means there is a legal security arrangement attached to the borrowing entity, rather than investors simply transferring funds on an unsecured basis. This structure exists specifically to create greater protection, oversight, and separation between the developer’s operations and investor security arrangements. No investment is ever risk-free, but the presence of an independent security trustee and formal legal security is a significant differentiator compared to many alternative investment opportunities. --- ## Track record HJ Collection has built a substantial track record in this sector. Highlights include: * Established in **2019** * **£30m+ returned to investors** * **No missed capital repayments** * **No delayed interest payments** * **650+ residential units delivered** * Around **3,000 active investors** * **96% reinvestment rate** * Development pipeline exceeding **£120m GDV** * Multiple industry awards The business specialises in commercial-to-residential development, primarily in high-demand UK locations. --- ## What’s the media saying? [INSERT BBC LINK] [INSERT PRESS LINK] [INSERT PRESS LINK] [INSERT PRESS LINK] --- If you’d like to discuss suitability, security, timings, or simply ask questions before reviewing the documents, just reply to this email and I’ll be happy to help. Kind regards, **Jay Lamba** Signature Fremont

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