--- title: Real Estate description: Welcome to Oros Consultancy image: https://www.oros-consultancy.co.uk/hubfs/real%20estate-1.jpeg --- [Skip to content](https://www.oros-consultancy.co.uk/real-estate#main-content) ![OROS Master Logo](https://www.oros-consultancy.co.uk/hubfs/OROS%20Master%20Logo.svg)Homepage - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator?hsLang=en-gb) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1?hsLang=en-gb) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator?hsLang=en-gb) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator?hsLang=en-gb) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1?hsLang=en-gb) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator?hsLang=en-gb) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) # Our Services --- ![real estate-1](https://www.oros-consultancy.co.uk/hs-fs/hubfs/real%20estate-1.jpeg?width=587&height=680&name=real%20estate-1.jpeg "real estate-1") Services ## Real Estate An alternative form of investing in property, typically a pool of investors will fund the acquisition or development of a real estate asset, most commonly via a fixed term investment instrument. Term length usually two to five years and deliver a fixed-rate return paid either paid in regular instalments or upon maturity of the loan.  - Diversification with a hybrid asset class of both real estate and fixed income product - Armchair investment, investors do not have to manage real estate assets - Physical asset security offered as collateral [Explore more](https://www.oros-consultancy.co.uk/real-estate#callback) --- ## Benefits of property loan notes investments Property loan notes can be an appealing complimentary asset to traditional investment property ownership as investors get the same cash-flow generation benefits of a property asset but without the hassle of actively managing tenants and costs such as stamp duty, solicitor fees, maintenance costs, and estate agent fees. --- ## Different types of property loan notes Essentially you are lending capital to a property developer to acquire and sometimes develop an exclusive asset typically only available to professional investors. The developers benefit as they can take on more properties deals due to increased liquidity via investors, and investors benefit as they gain an additional passive source of income/wealth building tool. Some property developers offer security over the assets via a first or second charge over the asset and some are unsecured but typically offer higher interest rates to compensate the increased risk to investors. Property loan notes customarily offer monthly, quarterly, biannual, yearly, or maturity payment frequencies of interest payments. The offerings are subject to negotiations which vary developer to developer but typically the higher the investment level, the longer the loan note term, the higher the interest rates and frequency of interest payments offered by the developers. --- ## Things to consider when investing in property loan notes - There are many different types of real estate which developers work on. From student accommodation and HMOs all the way to hotels and land development deals – make sure you pick a developer working in an area of real estate you are comfortable with and understand as an operating model. - Always check the property developers track record. Have they successfully acquired and developed real estate assets previously, and sold/refinanced for a profit? This decreased the risk profile compared to a brand-new developer with no track record. - Unless the capital raised via investors is used to acquire an actively cash flowing real estate asset, typically the purpose of funds is to acquire a property, develop it, then exit for a profit. The proceeds of which normally fund the repayment of principal invested as well as interest. Always check the projections to ensure there is enough profit built in to afford repayment of investors capital as well as interest and that there is a healthy enough profit margin for the developers to be incentivised – unless everyone wins, the old adage applies ‘if it’s too good to be true, it probably is’. ## Begin your journey with Oros ## Ready to Elevate your investment? Get in touch #### Ready to Elevate your business? 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