How to Invest with Goldfinch
We make it simple for you to invest your money in a way that delivers real returns and real impact.
Whether you're new to property investment or looking for something more values-led, we offer two ways to get involved. Both are backed by property assets and designed to support the creation of high-quality homes for people who need them most.
Two Ways to Invest
1. Fixed Return investment: interest rolled-up an the end of the term
You lend capital to Goldfinch, and in return receive a fixed percentage return at the end of the agreed term (also known as ‘rolled-up’ interest) in addition to the initial sum invested. Terms can be anything from 6 months to 4 years. This is a good option if you want to make your savings work harder.
2. Fixed Return investment: interest paid monthly
In this instance your interest is paid back monthly over the term of the loan. Your initial investment is returned at the end of the term. This is a good option if you want a secure monthly extra income stream.
How We Add Value
We renovate or repurpose properties to meet the needs of supported living
We aim to purchase below market value where possible
We secure lease agreements that ensure long-term income and tenancy stability
We work with care providers who bring expertise, continuity, and social benefit
What You Can Expect
A personal, values-led approach
Clear agreements and communication
Regular updates and transparent reporting
Opportunities that add purpose to profit
Who We Work With
We partner with educated investors who:
Have available capital or savings, and meet the criteria in FAQ
Are looking for a more profitable, secure alternative to traditional savings and pension models
Want to create social value as well as financial return
Align with our ethical and inclusive approach
Next Step
Most of our investors start with a short call. There’s no pressure, just a chance to explore if we’re the right fit.
How Investing Works With Goldfinch
Experienced In Property Investing Or Want To Know More?
Investing With Us Is Simple
FAQ’s
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We will borrow only from ‘educated Investors’ defined as one of three of the below:
Certified educated Investor: We can provide a certification if required via our independent financial advisor, who can answer any questions you have and give you peace of mind if this kind of investing is new to you. If you have saved money in the past in whatever form or bought a property you are likely to be suitable. Call us to find out more.
High Net Worth: (these need no certification). Annual household income of at least £100,000 in last financial year OR net assets of £250,000 or more (net assets do not include primary residence or pension)
Self-Certified Sophisticated Investor: At least one of the following applies:
worked in private equity or in the provision of finance for SMEs
been a director of a company with an annual turnover of at least £500,000
made 2 or more investments in an unlisted company
been a business angel, or member of a network or syndicate of business angels for more than 6 months
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£40,000 is our minimum investment amount per household.
If you want to invest but do not have this amount at the moment please enquire, as projects are planned many months in advanced along a 5 year planning cycle, and in some instances family investments may be suitable.
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Private Investment is not regulated by the FCA (Financial Conduct Authority) as it is a different kind of investment. It is protected by a Commercial Legal agreement; the Directors will give you security on the assets of the company and a personal guarantee such that they are personally liable to pay you back using any of the company assets, in addition to their own personal assets. You will protected by all the required legal documentation, which we do advise your solicitor check on your behalf also, at our expense, and registration of charges against property on land registry where appropriate will also protect you.
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Of course! We can put you in touch with our investors, many of which have invested continually with us since we began the company.