You lend capital. We deploy it into a project we’re already running. You earn a fixed annual return for the agreed term, and your capital is returned in full at the end. Twelve month agreements are most common, with multi year options available on larger sums.
Buying a property to rent it out captures both rental income and capital growth. Lending against property captures neither directly. What it does instead is take the work, the time, and the operational risk of owning a single house off your plate.
Private funding is a written loan agreement between you and DM Properties. You lend a fixed sum for an agreed term. We pay a fixed annual return. Your capital comes back in full at the end of the term, alongside the accrued interest.
The capital goes into the company. We use it across our active project pipeline as needed: refurbishments on properties we own, working capital for purchases nearing completion, occasional bridging between buying and refinancing. The loan is to the business, not tied to any single property. The loan agreement we use has been drafted by solicitors and you’re welcome to have your own solicitor review it before signing if you wish.
You’re a lender, not a buyer. There’s no property in your name, no tenant to manage, no refurb to oversee. The only paperwork you sign is the loan agreement itself.
"The clearest path to a property backed return without becoming a landlord."
For people who want capital working at a property linked rate without becoming a landlord, a project manager, or a name on a title deed.
Funds in savings, ISAs, or business reserves earning less than inflation. A fixed annual return for a defined term puts that capital to work without locking it away forever.
If you want a fixed rate paid on a fixed schedule, not a variable share of an outcome, this is the right structure. The return is set in writing the day you sign.
Busy careers, family commitments, businesses to run. You like the idea of property exposure but won’t deal with tenants, tradespeople, or solicitors. Lending is the cleanest route in.
You already hold pensions, equities, or rental property. Adding a fixed return loan against active property projects spreads risk across uncorrelated structures.
Private funding is intentionally simple. There’s no property to buy, no refurb to manage, no tenant to handle. The whole transaction sits in a written loan agreement that defines the rate, the term, and the security if applicable. Here’s how it runs from first call to repayment.
A 30 minute discovery call. We talk through how much you’d like to put in, what term suits you, and which of our current projects fit. We answer your questions on the loan structure, the security, and our track record. No commitment at this stage. You leave the call with a written summary of what we’ve discussed.
We send you our standard loan agreement, which has been drafted by solicitors. You review it, or have your own solicitor review it if you prefer. Both parties sign. The agreement sets the rate, the term, the repayment schedule, and the security if applicable. Loans of £100,000 or more, where we’re the sole lender or replacing institutional lending on a specific asset, can include a registered charge against the property as additional security at a lower rate.
You transfer the agreed sum to DM Properties on signing. The funds enter the company’s working capital and we deploy them across our active pipeline as needed: refurbishments, completions, bridging between purchase and refinance. You receive a confirmation that the loan is live and the term has started. From here, your job is to wait.
At the end of the agreed term, your capital is returned to you in full alongside the interest accrued over the period. The standard structure is a single payment at term end covering both, though monthly interest can be arranged on larger sums by agreement. Many of our funders choose to roll the loan over for a second term at this point.
Both options below use the same underlying loan structure. Pick the one that suits how you want to receive your interest. Specific rates are agreed in writing on the discovery call before any agreement is drafted.
Capital lent to the company for use across our active project pipeline. Repaid in full on the final day of the agreed term, alongside the interest accrued under whichever option you’ve picked.
The rate that applies to your loan depends on the term, the size, the structure you pick, and whether security is registered. We’ll walk through the numbers with you on the call and put everything in writing before any agreement is drafted.
The rate is fixed and known up front. There’s a defined term, so your capital is committed for the agreed period rather than available on demand. The trade off is a higher annual return than a high street savings account, in exchange for less liquidity over the term.
The capital is also backed by an active property project rather than sitting on a bank’s balance sheet. Different risk profile, different return profile.
Every loan is documented in a written agreement signed by both parties. The agreement sets out the rate, the term, the repayment date, and any security applicable.
The loan itself is to DM Properties as a company. For larger loans, typically £100,000 or more, where we’re the sole lender on a specific asset, we can register a charge against that property as additional security. Secured loans carry a lower headline rate to reflect the reduced risk profile. For loans below this threshold or where no charge is registered, the obligation sits as a contractual debt of the company at the higher headline rate. Both structures are common in private property lending. The specific rate that applies to your situation is agreed on the discovery call.
If we’re running into timing pressure as your repayment date approaches, we’ll get in touch well ahead of it. The standard provision in the loan agreement is that interest continues to accrue at the same rate beyond the original term until the loan is repaid. If you’re on rolled up interest, the additional period rolls into the final payment. If you’re on monthly interest, payments continue at the agreed rate until repayment.
You still receive your full agreed return for the original term and additional interest for any extension. Nothing changes in your favour.
Honest answer: as a private lender to a company, you sit as a creditor of the business in any insolvency scenario. Where a registered charge applies (typically loans of £100,000+ tied to a specific asset), you have a secured claim ranking ahead of unsecured creditors. Where there’s no charge, you rank with the company’s general unsecured creditors.
We’ve been operating since 2017 with our own equity in every project, established lender and broker relationships, and a track record of completing what we start. We don’t take on funding we can’t responsibly deploy. But this is private lending, not a deposit account, and you should understand the position before signing.
It depends on the term, the loan size, the structure you pick (rolled up vs monthly interest), and whether security is registered. Rates are agreed in writing at the outset and fixed for the life of the loan. Specific figures are discussed on the discovery call once we understand your position and the agreement that suits you.
The illustrative example on this page reflects typical rates on a 12 month structure.
You choose between two structures, both set out in writing before you sign. Rolled up interest pays your capital and the accrued interest as a single lump sum at term end. Most of our funders take this option and the headline rate is a touch higher to reflect the deferred payment.
Monthly interest pays out each month across the term, with your capital returned in full on the final repayment date. The headline rate is slightly lower to reflect the cash flow. Either way, the rate is fixed for the life of the loan and the choice is yours.
Not every project lands exactly as planned. Refurbishments overrun. Sales take longer than expected. Refinances get pushed back. The mitigation is that the loan is to the company rather than tied to a single deal, so a problem on one project doesn’t put your repayment at risk in isolation. We have our own equity in every project, established broker and lender relationships to draw on if a project hits delays, and a track record of completing what we start.
The loan agreement also sets out what happens in the event of late repayment, including the interest accrual provision covered above.
The term is fixed once the agreement is signed. We commit your capital to a specific project on the basis it’s available for the agreed period, and we plan our project finance around that.
That said, in genuine emergencies we’ll always try to find a route. Sometimes that means refinancing the underlying property earlier. Sometimes it means another funder steps into your position. It’s never guaranteed and you shouldn’t lend money you might need back at short notice.
Yes, and many of our funders do. The conversation typically happens a month or two before the term ends. If you want to roll over, we draft a new loan agreement at the prevailing rate and the capital plus interest stays deployed into the next project. If you want it back, we repay you on the agreed date.
Interest received from a private loan is typically taxable as savings income on your personal tax return, depending on your circumstances. We’re not tax advisers and don’t give personal tax advice. Speak to your accountant about how it fits with your other income.
Private funding is a fixed return loan. You lend capital, you get a defined annual rate, your capital comes back at the end. The return is the same whether the underlying project does brilliantly or breaks even.
JV Finance is a profit share. You fund a specific flip, we do the work, the profit is split 50/50 at the end. Higher potential return, more variability, different legal structure. JV Finance is restricted to sophisticated and high net worth individuals. Private funding has different requirements which we’ll explain on the call.
This is private lending to a company, not a deposit account. It is not protected by the Financial Services Compensation Scheme (FSCS). Your capital could be lost in part or in full if the company is unable to repay. The fixed rate represents our contractual obligation to you, not a guarantee. We’ll talk through these risks openly on the discovery call. Independent legal and financial advice is sensible before signing any agreement.
Both options put your capital to work in property. They’re built for different situations and different appetites.
Private funding suits people who want a fixed return without owning property. If your situation calls for a different structure, we have two other options.
We find, buy, refurbish, and tenant a property in your name. You own the asset, you keep the rental income, you keep any future capital growth. From £50,000 cash to deploy.
Find out more →You fund a single flip, we do the work, profit split 50/50. Property remains in your name with a charge for our protection. For sophisticated and high net worth individuals only.
Find out more →Book a 30 minute discovery call. We’ll learn about your situation, walk you through the numbers, and tell you honestly whether this makes sense for you. If it doesn’t, we’ll point you to something that does.