Propifi Investments Ltd and Propifi Capital Ltd are at the heart of the Propifi Group’s operations, managing and executing bridging loans across the UK commercial property sector—our core area of expertise.

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As a specialist lender, Propifi provides legally secured, first-charge bridging loans tailored specifically for commercial property developers. We place a strong focus on supporting projects in the social housing, assisted living, and retirement living sectors, helping to drive sustainable and socially impactful development throughout the UK.

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To fund these initiatives, Propifi Bonds plc—an independent special-purpose vehicle—issues a medium-term debt programme. Although part of the broader Propifi ecosystem, Propifi Bonds plc operates independently in both ownership and control, ensuring transparency and regulatory compliance.

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Since the launch of our listed Bond Programme in 2020, Propifi has successfully channelled millions of pounds into affordable housing developments.

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Based in Coventry, UK, Propifi has built a strong track record of meeting all financial obligations, ensuring timely and full payments to noteholders under its Medium-Term Note Programme.

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Prudent Lending Strategy

At Propifi, we follow a disciplined and risk-aware lending model, capping our Loan-to-Value (LTV) ratio at a maximum of 70%. This conservative limit ensures that loans are never issued for more than 70% of a property's independently appraised value, helping to safeguard against market volatility.

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To maintain this standard, an independent Loans & Property (L&P) administrator oversees compliance and is empowered to take corrective measures—including asset liquidation—if the threshold is exceeded. Additionally, all interest and fees are deducted upfront, resulting in an effective LTV of approximately 54%.

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Funds raised through our bond issuance are exclusively invested in the UK property market, with a strong focus on Social Housing and over 55's retirement living. These projects are designed to house tenants supported by the UK Central Government, with rental agreements secured before construction is completed.

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Our operations are funded through a medium-term debt programme issued by Propifi Bonds plc, a special-purpose vehicle (SPV) created solely for debt issuance. This entity operates independently from the Propifi group in both ownership and control.

Proceeds from bond subscriptions are loaned under a facility agreement to Propifi Investments Limited, which is responsible for deploying the capital. Full details on the use of proceeds can be found in the programme’s Listing Particulars.