Level 1
Lower risk
13%
Total return p.a.
- Max LTV
- 35%
- Interest
- 10% p.a.
Investors
Invest in real estate-backed loans.
Secure private lending to businesses, backed by a mortgage on real estate. Estimated return of 13-17% p.a.
up to 0%
estimated annual return
from 0%
LTV - loan-to-value ratio
0%
defaulted loans
0%
mortgage-secured loans
Return calculator
See what your capital could earn.
PLN 100,000PLN 2,000,000
Estimated profit
PLN 65,000
- Total return
- PLN 565,000
- Annual rate
- 13%
Capital PLN 500,000Interest (10% p.a.) PLN 50,000 · Fee PLN 15,000
This simulation is for illustration only and is neither an offer nor a guarantee of profit. Results are before tax.
Let's discuss this investment
Investment levels
Choose your risk-to-return balance.
Interest is always 10% p.a. The difference comes from the arrangement fee - which depends only on the LTV level, not on the amount.
Level 2
Medium risk
15%
Total return p.a.
- Max LTV
- 50%
- Interest
- 10% p.a.
Level 3
Higher risk
17%
Total return p.a.
- Max LTV
- 60%
- Interest
- 10% p.a.
Security
Every loan is backed by real collateral.
Mortgage on real estate
Registered in the land register in favour of the investor. The property value well exceeds the loan amount.
Art. 777 enforcement clause
The borrower submits to enforcement in a notarial deed - no lengthy court proceedings.
Power of attorney to sell
An additional safeguard enabling an efficient sale of the property if the loan is not repaid.
Analysis before decision
We review the project, financial documents and legal status of the property before presenting it to investors.
How it works - investors
Five steps from first contact to capital return.
- 01
Contact
Leave your details and we'll schedule a short call about your expectations.
- 02
Project presentation
You receive a description of the loan, the property and collateral terms.
- 03
Notarised security
Agreement, mortgage and enforcement clause - all in a notarial deed.
- 04
Interest payouts
Interest and fee are paid to your account according to the agreed schedule.
- 05
Capital return
At the end of the loan term, your invested capital is returned.
The estimated total return ranges from about 13% to 17% p.a., depending on the LTV level. It consists of 10% annual interest plus an arrangement fee. This is an estimate, not a guarantee.
Each loan is secured by a mortgage on real estate, a notarial submission to enforcement (Art. 777 of the Polish Code of Civil Procedure) and a power of attorney to sell the property.
LTV (loan-to-value) is the ratio of the loan amount to the property value. The lower the LTV, the larger the collateral surplus over the loan.
Our calculator starts at PLN 100,000. Details are agreed individually during a call.
No. Investing in loans carries risk, including the risk of losing part of your capital. Funds are not covered by any deposit guarantee scheme.
Related pages
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