Frequently Asked Questions - investors
Please email us at office@mfecapital.co.uk if you cannot find an answer to your question.
No, there are no management charges or fees during the term of your investment. Equally, there are no set-up fees at the start of your investment, and there are no final charges when your investment reaches maturity.
Our standard payments are made to investors on a quarterly basis - approximately every 91 days.
If you wish, the payments can be deferred to an annual basis (with the payments made every 365 days). The final option is to receive the interest amount and the investment amount in full at the end of the investment term, i.e. after 3, 5 or 7 years.
We do not make money through property rentals and management. We make money by financing the final stages of property developments, commonly called “bridge financing”. Our standard lending terms are 1.5% per month, which is a compound rate of 19.6% per year.
We share this profit margin with our investors, who receive between 7.95% - 11.95% per year depending on the amount invested and their chosen investment period of 3, 5 or 7 years.
Yes. We have investors based in mainland Europe, the United States and Canada, the Middle East, Africa, Asia and Oceania. Investor payments are made directly from our bank in the UK.
- Investors within the UK and Euro zone receive their quarterly payments on the same day as the funds leave our account.
- For investors in the Middle East and North America your payments will arrive within 24 hours of the funds leaving our account.
- For investors in Asian/Oceanic countries your payments will arrive within 48 hours of the funds leaving our account.
- For investors in Africa, payments will arrive within 48 to 72 hours of the funds leaving our account.
The minimum amount you can invest is £5000 GBP (five thousand pounds sterling). If you are based outside the UK (as many of our investors are) you can obtain a currency conversion calculator online.
For example, £1 GBP currently converts to 4.14 Qatari Real, so an investor from Qatar would need to invest a minimum of 20700 Real.
We are happy to provide an up to date currency conversion to all prospective investors outside the UK. Please send an email to office@mfecapital.co.uk and we will provide a currency conversion for your investment.
Yes. Every investor receives full documentation which confirms their investment amount, length of contract and rate of annual return. All contracts are directly between the investor and MFE Capital Ltd, and are subject to the laws of England and Wales.
Your investment is fully secured on land or property assets in the UK over which we (MFE Capital) have a first legal charge.
Overseas investors should note that all contracts and documents will be written in English.
Yes. Your contract will clearly show your annual rate of return and the length of your contract - either 3, 5 or 7 years.
Your returns are 100% guaranteed and are paid in GBP (Pounds Sterling) directly into your nominated bank account. If you are concerned about significant currency fluctuation in your country of residence, there are some options;
1) You could arrange for payments to be paid directly into a UK account, either in your own name or the name of a trusted friend/relation, etc.
2) You can opt for the payments to be made as a lump sum at the end of the investment period. You can choose to have the payment made into a UK or overseas bank of your nomination.
In line with AML (Anti-Money Laundering) regulations, we are required to obtain proof of identity and address of each investor. Usually we ask for a copy of the investor's photo ID (passport, driving licence, national identity card) and a copy of a recent utility bill to confirm the address.
This is a standard requirement and can be completed in just a few days.
All investor information is stored on an encrypted database. In addition, all information is stored on a secure IT system that has NO access to the internet. This means that it is impossible for hackers to break into our investor database. Your information is 100% secure.
We comply with all GDPR regulations, as per our Privacy Policy - https://www.mfecapital.co.uk/privacy-policy
For security reasons we do not allow investor information to be accessed via the internet. Instead, we provide a statement with each payment made into your account, in addition to an annual statement. We also provide a full statement at the end of your investment period.
If you lose or delete any of these statements then it's not a problem. Simply send an email to office@mfecapital.co.uk using your registered email address. We will then contact you to request some security information, and once this level has been cleared we will happily send a statement to you. The statement can be sent by email or by postal mail. There is no charge for this service.
At the end of your investment you will receive;
1) Your final interest payment, and
2) The return of your initial investment
You will always have the choice to re-invest your capital sum with MFE, or you can receive all of your capital back into your account. It's completely your choice.
Because we have many investors in different countries, under different jurisdictions, and with different tax bands we do not apply tax to any of your earnings. It would be impossible for us to keep up to date with all of the tax legislation in every separate country.
We therefore provide all returns GROSS of any taxes. Each individual investor should then declare their investment income to their relevant tax authority.
Frequently Asked Questions - borrowers / development funding
Please contact us at office@mfecapital.co.uk if you cannot find an answer to your question.
Our minimum lending amount is £25,000 and our nominal upper limit is £500,000. However, we will consider projects up to £5million with sufficient security in place.
Our standard interest rate is 1.5% per month.
Most borrowing is agreed for a period of 3-12 months. However, we can arrange funding for as little as 1 month, subject to certain conditions and adequate security. It is very rare for any agreed borrowing to exceed 15 months.
We require a first legal charge over the land/property. In addition, we may require security over other assets in order to cover the value of any agreed lending amount. Borrowers will be expected to sign legally-binding contracts before any funds are dispersed. We will carry out full credit checks on each borrower and personal guarantees are often required.
Security can be obtained over residential property, commercial property, development plots and building land.
No, we do not charge any application fees. A small fee may be charged if we require a surveyor to compile a report on the condition and status of a development. We encourage all applicants to provide as much detail as possible in their finance application - this will reduce any unnecessary delays and any additional costs.
Why are property-backed fixed income bonds so popular with investors?
In short, it’s because they provide a superior return without all of the headaches of managing a property and all of the associated costs that you (as the property owner) are responsible for. There are no void periods, there’s no property insurance for you to pay, there’s no damage or depreciation for you to worry about, and you never have to worry about a tenant refusing to pay the rent or abandoning the property in the middle of the night!
Investing in the financing of a property (such as Bridging Finance) is faster and easier, gives you a higher annual return and the assurance of a regular income paid directly into your bank account.
MFE Capital’s property bonds give you up to 11.95% return per year without any other costs, fees or charges for you to pay.
Your initial investment amount is much lower too. With MFE Capital’s property bonds you can invest from GBP £5000 – that’s roughly US $6500 or EUR 6000. Compare that to the average cost to buy a freehold investment property of at least £75000 in a respectable area and you can see why it’s the ideal opportunity for the first-time property investor.
You can also decide when you want to exit your investment. You can choose a term of 3, 5 or 7 years, receive your final income payment PLUS the return of your initial capital, and then either bank your profits or re-invest. The choice is completely yours.
(Investors from outside the UK receive identical terms, making it a fully ‘hands off’ investment that provides a secure passive income.)
Consider this for a moment... Where else can you get a fully managed property investment from £5000 with guaranteed returns of up to 11.95% per year with no fees, charges or costs, with quarterly income payments made directly into your bank account, and the full return of your capital at the end of your chosen investment period???
Contact us today to start your investment journey.
Email us at: office@mfecapital.co.uk or call us on: +44 (0)208 050 3035
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Please make sure to visit our Investor page https://mfecapital.co.uk/investors for further details of our UK Property Investment opportunities, starting from just £5000 GBP. If you'd like a FREE investment pack then simply complete the form at the bottom right-hand corner of this page