Investing in property comes with all sorts of risks and errors which can be costly, time consuming and stressful when you don't know what you're doing.
If you want to make your money work harder for you with as low risk as possible, but you don't have the time or experience to do it yourself then we can help you.
We provide everyday investors access to investment opportunities in the North East, buying run down, tired and neglected houses and turning them into homes which anyone would be proud to live in.
Hearth Properties can help you build your wealth with better interest rates than the banks, without the stress and responsibilities of owning and managing a property.
Your investment is asset backed. All contracts are drawn up by a UK based solicitor.
You can spend your time doing what you love doing. Your investment is completely hands-off and stress free.
You receive returns that beat the banks, without volatility.
Put your money to work
Right now savers are getting historically low returns from the bank while high inflation is eroding your savings.
Investing with Hearth Properties is an option for private lenders to get a much more lucrative outcome.
The current “base rate” from the bank is 0.1% (May 2020). That means if you have £20,000 in the bank, you will make £20 of interest per annum. We offer between 3-10% depending on investment period and amount.
That's up to £2,000 of interest per annum for the same amount saved.
5-10%
0-2%
How does it work?
We only buy vetted investment properties which will generate regular cashflow, so we don’t have to rely on properties appreciating in value over time to generate returns for you.
At the end of your investment term we can release your money with one of four tried and tested methods.
1
Refinance
We buy properties below market value and add even more value through refurbishment, allowing us to re-mortgage at a higher value. Any equity we release allows us to pay back your initial investment.
3
Resale
Because we buy properties under their current market value and add value with refurbishments, we can put the property back on the market and sell for a profit.
2
Long-term Investment
Your investment can be kept in the property and you receive regular, long-term cashflow for as long as you like. You'll continue to receive interest for as long as you stay invested.
4
New Investor
Another investor can be brought in to replace your share of the investment and ‘buy you out’ of the deal. Their investment will allow you to get your original investment back.
Why we invest
in the North East
We buy properties in and around the major towns and cities in Durham County and the North East.
The North East is undergoing a transformation. It has some of the lowest property prices in the country despite exceptional rental demand and growth, with significant planned regeneration and economic investment. Durham County contains four of the country's top universities – constantly on the top performers list for individual subjects.
There are large manufacturing plants such as Nissan in Sunderland which is Nissan’s biggest car plant globally and ranked among the world's top five leading car-makers and Hitachi in Durham which produce trains for the HS2 programme and Scotrail.
The North East is also home to two of the countries Amazon deployment centres. All of this contributes huge job growth opportunities and is driving interest and movement to the area.
House prices in and around Durham city centre are significantly more affordable further south in England. Remote work and a market desire for homes with bigger gardens and more space is driving tenants further North in search of their ideal home. Rental wise, there has been a sharp increase in the number of properties available to those who are searching.
The Newcastle Upon Tyne region is valued at £35.5bn and is one of the UK's fastest growing economies. Newcastle is named as a top UK smart city and has £1.5 billion of investment planned as a cultural capital of the North.
All this means that more people are moving into the area and need houses to live in, where the demand is currently outweighing the supply so there is massive potential for investment.