Personalised, Professional and Experienced
Investments
Saxon Trust provides funding to experienced property investors at a time when mainstream lenders are making it more and more difficult for investors to access lending capital to secure properties and reach their goals.
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Personalised, Professional and Experienced
Investing in a portfolio of loans
We operate three lending companies without the Saxon Trust group in which investors can acquire shares to benefit from our loan portfolios. Each loan portfolio is an active lending company that targets as specific range of property loans with certain lending criteria. This allows us to separate out different loans into the relevant company so that investors can chose a specific type portfolio they want to invest in based on individual risk and reward preferences. There is no minimum investment period but we do ask that you remain invested for at least 2-years so we can manage capital flows. When you then request a redemption, we will redeem the shares at the earliest opportunity from the repayment of underlying borrower loans or from new capital invested from other shareholders.
Tried and tested processes for lending
Institutional grade risk management
Saxon Trust's business has been lending since 2006 and has built up extensive risk management processes and tools to ensure it exceeds best practice. We fund loans from a mixture of institutional funding provided by our partner banks and funders, private capital and our own funds and so our risk management processes are based on institutional grade standards.
Key Risks to Consider
Borrower loan terms not guaranteed
Underlying borrower loans are for fixed periods but they may not repay on time. Our ability to redeem shares is directly linked to the repayment of borrower loans
so timings cannot be guaranteed.
Capital is at risk
All investments carry risk to capital and to any income or returns and you should ensure that you are comfortable with the risk profile of the investment before
making it.
Defaults can occur
We lend at conservative levels based on institutional grade standards but defaults can still occur. This can result in loans taking longer to repay and may result in losses of capital or returns.
Our Portfolios
3% p.a.
Preservation
Preservation Portfolio
Our lowest risk portfolio with funds used to support buy-to-let investors with mortgages and short-term property lending with a highly conservative nature. The funds are restricted to only be used to support first charge secured lending with a maximum loan to value of 60%. Our target returns are tailored to each portfolio and based on the underlying risk profile of the lending products of our specific property lending company.
5% p.a.
Balanced
Balanced Portfolio
A balanced portfolio with funds used to support buy-to-let investors with mortgages, short-term property lending and also some prime development lending for house-building. Loans are all made on a first charge secured basis to a maximum of 75% loan to value. Our target returns are tailored to each portfolio and based on the underlying risk profile of the lending products of our specific property lending company.
6% p.a.
Growth
Growth Portfolio
A portfolio offering a higher target return which is paid as a capital return on redemption and not as a dividend each year. All loans are made on a first charge secured basis with funding used for short-term property loans and development finance. Our target returns are tailored to each portfolio and based on the underlying risk profile of the lending products of our specific property lending company.
