INVESTORS CLUB
Welcome to The Siddall Property Group Investors Club, where exclusive opportunities meet exceptional returns. We invest in high-yielding UK residential properties, using pooled funds to drive profitable growth. Our investors benefit from strong returns while being part of a select network dedicated to excellence in property investment.
INVESTORS CLUB
Why Invest with Us?
Build wealth with us
0-5%
Current UK interest rates for savings
10-12%
What we offer
£10,000 minimum investment. Interest rates are per annum.
SECURITY
Full Personal Guarantee Offered
All loans are fully secured by a personal guarantee from our company director, Ben Siddall. This guarantee reflects our commitment to safeguarding your investment and underscores the confidence we have in the success of our property projects.
Multiple Exit Strategies
Our Commitment: 20% Self-Funding in Every Project
We invest at least 20% of our own funds in every project, ensuring our interests are aligned with yours. This personal contribution reflects our strong belief in the success of each project and our commitment to achieving outstanding results.
Securing Equity from Day One: Below Market Value Purchases
We strategically purchase properties below market value, ensuring they come with built-in equity from day one. This approach not only reduces risk but also positions each investment for immediate profitability, providing a strong foundation for achieving exceptional returns.
Investment Options
Option 1 – Monthly Interest
10% Annual Return
Fixed term of 1-5 years
Interest paid into your bank every month with a final capital payment at the end of the term
Example with £100,000 investment over a 12 month term
Month 1
We Recieve
£100,000
Initial Investment from you
Months 1-12
You Recieve
10% interest paid every month at £833.33 PCM
Month 12
£100,000 initial investment returned
Option 2 – Annual Interest
12% Annual Return
Fixed term of 1-5 years
Interest paid into your bank at the end of the term with the final payment
Example with £100,000 investment over a 12 month term
Month 1
We Recieve
£100,000
Initial Investment from you
Month 12
You recieve £12,000 interest payment
Month 12
£100,000 initial investment returned
Ready to invest?
Get in Touch
If you’re ready to take the next step and join our exclusive Investors Club, simply fill out the contact form below.
Frequently Asked Questions
The property market, like any market, experiences cycles of growth and contraction. Historically, even during significant downturns, price drops have tended to occur gradually over time rather than all at once. For example, during the 2008 financial crisis, property prices declined over a period of months to years, not overnight, providing time to adapt and plan.
Our business model is specifically designed to mitigate risks associated with market fluctuations:
1. Buying Below Market Value
We purchase properties significantly below their market value. This strategy not only provides a buffer against potential price drops but also ensures that even in a declining market, our properties retain more of their equity compared to properties purchased at full market value.
2. Adding Value Through Refurbishment
After purchasing, we refurbish properties to add value. This additional equity is created regardless of broader market conditions, providing a financial cushion against potential market downturns.
3. Fixed-Rate Mortgages
All our properties are secured with fixed-rate mortgages, locking in predictable repayment rates for a set period. This safeguards against potential interest rate rises during turbulent market conditions and ensures stability in cash flow.
4. Focus on Cash Flow, Not Just Capital Growth
Our strategy prioritizes strong rental yields to generate consistent income, even if property prices fluctuate. Rental markets tend to remain robust during downturns, as more people opt to rent rather than buy in uncertain times.
5. Long-Term Perspective
Property investment is inherently long-term. While short-term fluctuations may occur, history shows that property prices have consistently recovered and grown over time. By holding properties during downturns, we are well-positioned to benefit from eventual market recoveries.
6. Diversification and Strategic Planning
We diversify across property types and locations, reducing exposure to risks in any single market segment. This, combined with a prudent approach to leverage, ensures our portfolio remains resilient in various economic conditions.
While no one can predict the future with certainty, our cautious, value-focused strategy and long-term outlook are designed to weather market changes and protect both our business and our investors.
Interest rate changes are a natural part of economic cycles, and we take proactive measures to ensure our portfolio remains strong and profitable, even in high-interest-rate environments.
1. Stress Testing
Every property we invest in undergoes rigorous stress testing to ensure it can cash flow positively even in the most challenging economic conditions, including periods of high interest rates. This means our investments are designed to remain profitable regardless of market fluctuations.
2. Fixed-Rate Mortgages
We secure fixed-rate mortgages for our properties, locking in consistent repayment rates for a set term. This protects us from sudden increases in interest rates and provides financial predictability, ensuring our cash flow remains stable over the fixed period.
3. Buffering Against Market Changes
We build in financial buffers when acquiring properties, factoring in higher interest rate scenarios to ensure long-term viability. By buying below market value and adding equity through refurbishments, our properties remain resilient, even if borrowing costs rise.
4. Focus on Cash Flow
Our strategy prioritizes strong rental yields over speculative capital growth. Rental income provides steady cash flow that covers mortgage repayments and operating expenses, even during periods of higher interest rates. Historically, rental demand tends to increase during times of economic uncertainty, further supporting our cash flow.
5. Long-Term Strategy
We take a long-term view of property investment. While interest rates may fluctuate in the short term, property remains a reliable asset class for wealth building over time. Fixed-term mortgage periods allow us to ride out rate hikes and refinance when conditions improve.
6. Diversified Portfolio
Our investments span various property types and locations, reducing risk exposure to any single market segment. This diversification enhances the resilience of our portfolio against interest rate changes.
By carefully planning, stress testing, and securing fixed-rate financing, we ensure that our property portfolio remains robust and profitable, even in times of rising interest rates. Our conservative approach and emphasis on cash flow protection give both us and our investors confidence in the stability and success of our strategy.
Changes in government regulations are a normal part of the property market, and we plan carefully to adapt to them while protecting our investments.
1. Proactive Compliance
We stay informed and up-to-date on all regulatory changes, ensuring our properties and practices remain fully compliant.
2. Flexible Business Model
Our diversified property portfolio and adaptable strategies allow us to pivot and adjust to new regulations without compromising cash flow or profitability.
3. Building Resilience
By investing in high-quality refurbishments, maintaining strong rental yields, and stress-testing our properties, we ensure our portfolio is resilient to any shifts in legislation that might affect costs or rental demand.
While regulations may evolve, our proactive approach and focus on long-term sustainability ensure that both our business and investors remain secure.
Our Long Term Business Strategy
Our long-term strategy is to build a profitable portfolio of UK residential properties, with a focus on sustainable growth and diversification. While the core of our portfolio consists of buy-to-let properties, we also include a small percentage of serviced accommodation and social housing to create a balanced and resilient asset base.
This approach ensures secure and reliable cash flow, protecting our business against economic fluctuations. We collaborate with private investors to acquire and renovate properties, which are then sold for a profit. These profits are reinvested into expanding our portfolio, driving long-term growth and stability.
Our primary focus is on generating strong cash flow. To achieve this, we target properties that yield high rental income, even in periods of elevated interest rates. We accomplish this by purchasing properties below market value and adding equity through refurbishment and strategic improvements.
In the event of capital appreciation, we strategically use the increased equity to pay down mortgages, further reducing financial risk. Our ultimate goal is to have at least 50% of our portfolio paid off, significantly lowering risk while maximizing cash flow and profitability for each property.
This disciplined and forward-thinking approach ensures a robust and sustainable business model, benefiting both us and our investors over the long term.
Sincerely,
Ben Siddall
Director
