Help Build New Family Homes
- Earn Passive Income of 6.00- 8.00% APR Target Return
- Co-Fund Short-Term Loans from 3 - 24 Months
- Benefit from 133% Target Collateral Cover
Join our Investor Community
When you open a Secured Lending Account with Initiative Ireland you join our amazing community of Private Individuals, Irish Businesses and Corporate Clients to co-fund new social and affordable housing loans nationwide. You will get 24/7 access online to our co-funding opportunities, which range from 3 to 24 months. You decide which loans you want to co-fund and you can earn great returns of 6.00 - 8.00% APR.
We offer clients a smarter way to access Irish Property Investments while also helping to build new family homes across Ireland. Unlike traditional property investment, with Initiative Ireland you aren’t buying a property yourself, instead you co-fund a secured loan provided to an experienced developer which is secured against a property. We manage the loan from end-to-end, you help co-fund the build of new social, affordable and mid-market homes.
How to Co-Fund
Once you open a Secured Lending Account, you can access our digital platform 24/7 to see available loans, co-fund projects, monitor your existing loans and withdraw your funds back to your nominated Bank Account. You can lend from just €1000 per loan, choosing from our range of Secured Lending Accounts which include:
Talk to our team today....
Call us on +353 (0)1 685 9259
(Mon-Fri, 8.30am to 5.30pm)
Secured Property Lending
Just like with a mortgage, as a property lender the loans are secured against the property title deeds from the start. We carefully assess each loan to assure a minimum of €133k in property collateral value is in place for every €100k released to the borrower throughout the course of the loan. This collateral cover protects you as a lender from market volatility, providing a more predictable return for lenders without all the work and risks usually involved with direct property investing. By helping to deliver social, affordable family homes, you are also doing good, making a real difference to Irish Families across the country.
About Initiative Financial Services
Initiative Ireland operates Ireland's largest peer-to-peer property lending platform. Since launching in 2015, the company's investor community has supported the construction of over €33m in social, affordable and mid-market housing projects across Ireland. Learn More...
Local Knowledge & Industry Experience
Initiative Ireland was founded in 2015 by a team of experienced, proven finance professionals who had a shared vision of delivering positive social impact through financially inclusive and fair services. About Us....
How do I setup a Private Lending Account?
Simply register, indicate that you are signing up as Private Lender and complete the suitability questionnaire to access the platform and view live deals. Transfer a minimum of €1,000 to your regulated e-money account provided (account details provided on the platform) to commence your lending journey.
How long are loan terms?
Loan terms provided to developers will not exceed 24 Months. Because we phase the release of funds to the developers, subject to ongoing review, there are opportunities for lenders to committ funds at the start of the loan, or at later stages. You will see each Loan Listing via our platform once you have been accredited, which indicates the expected term for that listing (ranging from 3 to 24 months).
Can I access my funds early if needed?
Loans may repay early or may take longer to realise. As such, we do not recommend that you committ funds which are needed at short notice. Should you require access to funds early, this may be acheived through re-syndication of your loan which is subject to approval and terms and conditions. Early access may result in a loss or reduction of your accrued interest on that loan.