Exclusive Services
The security and returns for our investors are something we take incredibly seriously.
We look to work with people whom we get along with, and who understand, or are willing to learn, the risks and complexities of property investing.
1
Below Market Value Property Flips
We are open to investors who wish to provide loans on secured or unsecured basis. Our strategy is to operate a close-ended property purchase, at below market value, and sell at or above market value.
2
Secured Loan
A first or second charge will be taken against the property in the lender's name for the amount lent. Should we, Poppy and Thistle, fail to repay the loan for any reason, the lender(s) can then take ownership of the property or recover their collateral..
As the loan is secured against a specific property the loan agreement would be prepared when a property has been identified.
3
Unsecured Loan
An unsecured loan can be used against any property or multiple. As there is no collateral it can be used quickly.
4
Join Ventures
Some properties may need a longer, more formal arrangement. These include those requiring significant renovations or where both parties would like to retain a stake in the property.
These projects can benefit from joint ventures where different parties come together to form a new limited company to hold the project.
IMPORTANT NOTICE & LEGAL DISCLAIMER
IMPORTANT NOTICE & LEGAL DISCLAIMER
1. Statutory Risk Warning
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you are unlikely to be protected if something goes wrong.
2. Regulatory Status & FSMA Restriction
This web page and its contents are issued by Poppy & Thistle Group Ltd and Poppy & Thistle Property Ltd, private companies incorporated in Scotland (Company Registration Nos. SC852841 & SC873262), with their registered offices at 5 South Charlotte Street, Edinburgh, EH2 4AN, and Clyde Offices, 48 West George Street, Glasgow, G2 1BP. Poppy & Thistle Group Ltd and Poppy & Thistle Property are not authorised or regulated by the Financial Conduct Authority (FCA). This communication is a financial promotion for the purposes of Section 21 of the Financial Services and Markets Act 2000 (FSMA). It has not been approved by an FCA-authorised firm.
3. Target Audience & Investor Categorisation
This page, along with all associated loan terms, debt instruments, and Joint Venture (JV) documentation, is strictly directed at, and intended solely for:
Self-Certified High Net Worth Individuals: Individuals who certify that they met the statutory thresholds of annual net income of £100,000+ or net assets of £250,000+ (excluding primary residence, pensions, and insurance rights) under Article 48 of the Financial Promotion Order 2005 (FPO).
Self-Certified Sophisticated Investors: Individuals who meet the eligibility criteria under Article 50A of the FPO (including active business angels, directors of companies turning over £1M+, or private equity professionals).
This opportunity is strictly prohibited to general retail investors. If you do not meet the criteria of an HNWI or Sophisticated Investor, you must leave this page immediately.
4. Key Risk Factors
Capital at Risk: Private loans and Joint Ventures are unbacked by central authorities. You may lose some or all of your invested capital.
Illiquidity: Loan notes and JV equity interests are non-readily realisable assets. There is no public secondary market, and funds cannot be withdrawn prior to contractual maturity or project exit.
No Statutory Protection: Investors have no recourse to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS).
Governing Law: Any contracts, loan agreements, or JV structures entered into as a result of this page are governed by and construed in accordance with Scots Law, subject to the exclusive jurisdiction of the Scottish courts.