Secured property bonds
Backed by a charge over specific property, usually held by a security trustee. Whether the charge is first or second ranking, and the loan-to-value, matter a great deal.
Property Bonds
Compare property bonds
Compare property bonds
in the UK
Compare fixed-rate property bond introductions, matched to your investment level and eligibility as a certified investor. See the term, the security and the risks side by side before you speak to anyone.
Free to use. Opportunities are shown only to investors who self-certify as eligible. No advice is given.
Typical termCommonly one to five years
ReturnA fixed rate set in advance, never guaranteed
LiquidityLow, usually no secondary market
ProtectionGenerally no FSCS compensation cover
What is a property bond, and how does it work?
A property bond is a loan. You lend money to a property company for a fixed term and it agrees to pay you a set rate of interest, usually secured against a specific development or portfolio. You are not buying property yourself, and you do not share in any rise in its value. New to the structure? Start with what property bonds are or the step-by-step how a property bond works.
The rate, the term and the quality of the security vary enormously between bonds, and so does the risk. A much higher advertised rate is usually a signal about risk rather than a bargain. See what determines property bond rates.
Our comparison tool shows eligible investors the bonds that match their level and interests, with the key terms laid out in the same format, so you can compare like with like. For the full picture, read the complete guide to property bonds in the UK.
Why investors look at property bonds
- Fixed rate and term. You know the intended rate and the maturity date in advance, which makes planning simpler than with variable assets.
- Asset-backed security. Many bonds are secured against property, although security is only as good as its value and its ranking behind other lenders.
- Shorter horizons. Terms are often shorter than for many other alternative investments.
- Income focus. Interest is typically paid annually or at maturity rather than depending on a sale price.
Four kinds of property bond you may see
The label “property bond” covers very different structures. The security and the use of funds decide the real risk.
Unsecured bonds and mini-bonds
Rely on the company’s promise to repay with no charge over assets. Higher risk, and often the most heavily promoted.
Development finance bonds
Fund the building or refurbishment of a project. Repayment depends on completing the work and selling or refinancing the property.
Fixed-term loan notes
A set maturity date, with interest paid periodically or rolled up to the end. Compare how and when interest is actually paid.
Four steps to compare property bonds
We don’t sell investments and we don’t give advice. We ask a few questions, confirm you’re legally eligible to view these opportunities, then introduce you to the providers that match.
1
Tell us about you
Your investment level and experience with alternative investments, so we only show what fits.
2
Confirm your status
Self-certify as a High Net Worth, Sophisticated or Professional Investor, as UK financial promotion rules require.
3
See your property bond matches
Opportunities that match your answers, with new listings added regularly. Supplier names stay redacted until you are introduced.
4
Get introduced
Reach out directly. Any decision to invest is yours alone, and nothing here is advice.
Before you compare
Property bonds are illiquid, unregulated and carry a real risk of loss
Return is fixed in advance but never guaranteed. If the issuer cannot repay, you could lose some or all of your capital, and there is normally no secondary market to sell early.
Issuer default
Returns depend entirely on the issuer’s ability to repay. A failed project or a falling property market can leave a bond unable to pay.
Security can disappoint
A charge over property only helps if the property is worth enough and your claim ranks high enough once costs are paid.
Illiquid
Capital is generally locked in for the full term, commonly one to five years, with no exit before maturity.
No FSCS protection
Most property bonds fall outside standard compensation schemes, so you are unlikely to be compensated if things go wrong.
Development risk
Planning delays, cost overruns and weaker sale prices can all reduce what the issuer has available to repay investors.
Promotion risk
Many bonds are not FCA-regulated and are promoted by unregulated firms, so read the documents rather than the advert.
Due diligence
Verify it yourself before you invest in any bond
Whatever rate or story you are shown, check the facts independently. Our guide to what to compare when choosing a property bond covers this in depth.
- Check the issuer’s accounts and directors at Companies House.
- Confirm the promoter’s exact permissions on the FCA Register.
- Read the security documents: what is charged, its ranking, the loan-to-value and who holds it for investors.
- Understand what the money is used for and how repayment is meant to happen at maturity.
- Look for an independent valuation of the security, not one commissioned by the promoter.
- Be wary of urgency, guaranteed-return language, or pressure to decide quickly.
Available now
See current property bonds opportunities
UK financial promotion rules mean specific opportunities, including their rates and terms, can only be shown once you’ve confirmed your investment level and self-certified as an eligible investor. It takes about a minute.
Compare property bonds →Property Bonds guides
How the structure works, what security really means, typical rates, and how to evaluate a specific bond before committing capital.
Complete guide
Property Bonds UK: How Property Bond Investments Work
Everything you need to know about UK property bonds in one place: how the structure works, what rates and terms to expect, the risks worth understanding, and how to weigh up a specific opportunity.
Read the guide →What Are Property Bonds and How Do They Work?
Property bonds let you lend money to a property company for a fixed rate of return, secured against real assets. Here's how the structure actually works, and how it differs from buying property outright.
Read the guide →Property Investment Bonds Explained
If you already understand the basics of property bonds, here's how they actually compare to other fixed income and property investments, and where they tend to fit in a wider portfolio.
Read the guide →How Does a Property Bond Work?
From certification through to maturity, or default, here is exactly what happens at each stage of a property bond investment, including how the fixed and floating charges that secure it actually work.
Read the guide →Are Property Bonds a Good Investment?
Property bonds offer fixed, asset-backed income, but illiquidity, no FSCS protection and concentrated issuer risk mean they are not right for everyone. Here is a balanced view.
Read the guide →Best Property Bonds UK: What Should Investors Compare?
There is no single "best" property bond in the UK, only bonds that are better or worse structured. Here is exactly what to compare before choosing one.
Read the guide →Property Bonds Explained: Returns, Security and Risks
A three-part breakdown of how property bond returns work, what "secured" actually means in practice, and the realistic risk spectrum behind the rate.
Read the guide →Property Bond Rates UK: What Determines the Return?
What actually decides a property bond's rate of return, from security ranking and LTV to issuer track record, and why a standout rate deserves scrutiny.
Read the guide →How to Check a Property Bond Provider Before You Invest
A step-by-step checklist for checking a property bond provider in the UK: Companies House, the FCA Register, the security, the accounts and the warning signs.
Read the guide →Property Bonds: common questions
What is a property bond?
A property bond is a fixed-term loan to a property company that pays a set rate of interest, usually secured against a specific development or portfolio. You are lending money, not buying property.
Are property bonds safe?
No investment of this kind is safe. Property bonds are high risk: they are mostly unregulated, illiquid and not covered by the Financial Services Compensation Scheme, and you could lose some or all of your capital. Security reduces risk only if it is valuable and ranks highly. Read are property bonds a good investment? for a balanced view.
Why do property bond rates vary so much?
Rates reflect risk. A bond with strong first-charge security and modest loan-to-value will usually offer less than an unsecured bond funding a speculative development. A very high rate is a prompt to ask what could go wrong.
How long is my money locked in?
Commonly one to five years, depending on the bond. There is normally no secondary market, so you should assume you cannot get your money back before the maturity date.
Who can invest in property bonds?
Most are promoted only to investors who self-certify as high net worth or sophisticated under UK financial promotion rules. Use our comparison tool to confirm your status and see what you are eligible for.
Are property bonds the same as bonds from the government or big companies?
No. Gilts and large corporate bonds are traded in liquid markets and carry very different risks. A property bond is a private loan to a property company with no easy way out.
Other alternative investments to compare
New to this? Start with our guide to alternative investments, check who qualifies as a sophisticated investor, or read the full FAQ.
This page is general information only and is not financial advice or a personal recommendation. These investments are high risk and mostly unregulated; you could lose some or all of your money, and you are unlikely to have access to the Financial Services Compensation Scheme. Seek independent advice from an FCA-authorised adviser if you are unsure.