In order to comply with FCA regulation and guidelines, the Property Bonds that Optima Wealth UK introduce are only suitable for high net worth individuals and sophisticated investors. It is therefore mandatory that all potential investors self certify as either a high net worth individual or a sophisticated investor, and they fully understand the risks that are involved. 

The term of a Property Bond/Loan Note varies depending on the investor’s preference. Terms vary from 1 year up to 7 years. Loan Notes are illiquid and are non-transferable, which means you cannot get your money back early and you will have to wait till the end of your investment term before you can redeem your investment.

A Security Trustee acts solely in the interest of the investor and is entrusted to give the investor further reassurance. They also monitor the security provided to ensure there is an efficient asset to capital ratio. 

An additional layer of security is the fact that the Loan Note is asset backed, therefore the investor has a long term security over the company’s assets (debenture) or the property in question; this is secured against the capital invested.

Property Bonds are non-transferable, however under the circumstances that the Property Bond investor passes away, the Property Bonds will form part of their estate. The executors of the deceased investor’s estate will hold title to the Property Bonds until their redemption.

We do not charge the investor any fees for the service that we provide. We are paid a commission by the investment issuer.