🏗️ Overview

Issuer: HJ Collection (a UK-based property development group)
Type: Property-backed loan note (bond)
Investor Type: Strictly High-net-worth individuals / sophisticated investors only 
Purpose: Raise funds to acquire and convert commercial properties into residential units under permitted development rights.

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***High-net-worth individuals / sophisticated investors only

➡️ Minimum investment: £10,000 (increments of £1,000)
➡️ Security: Asset-backed debenture on the properties, registered at the UK Land Registry
➡️ Fees: “no fees or hidden charges”

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🧩 Structure Explained

You are lending capital to a property developer in exchange for fixed interest.

• The company then uses your funds to acquire and develop property projects.

• The bond is “secured” via a debenture (a legal charge over company assets).

• A security trustee is acts on behalf of investors 

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✅ Key Historical Payouts & Performance

• In early announcements, HJ Collection “successfully returns its first annual interest payment to investors” in August 2020, despite pandemic disruption.

• In February 2022 the company declared it had repaid “over £5 million” to initial investors, with returns “10-12 per cent” in some cases. UK News Group

• In October 2022, HJ Collection announced that investors had seen more than £7 million in returns. UK News Group

• In April 2023 reports stated the company had returned “over £10 million” to investors and scaled its development portfolio by ~40%. UK News Group

• In mid-2024 the company revealed a figure of “£20+ million” returned to investors.

• Most recently (May 2025) an article states that HJ Collection has “successfully repaid over £30 million” to investors since inception. newbusiness.co.uk

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📊 Additional Operational Metrics

• HJ Collection was founded in 2019.

• It specializes in acquiring commercial properties (often via Permitted Development Rights) and converting them into residential units, particularly in tier 2 and tier 3 UK cities.

• The company reports having acquired over 13 sites, developed 650+ residential units, and having a Gross Development Value (GDV) in excess of £80 million, with a target of £100 million.

 

📊 Key Investment highlights

• Minimum investment: £10,000+ (increments of 1k above 10k)

• 2-year income option offering 22% interest - bi annually payments

• 2-year growth option offering 26% paid end of term plus capital

• 4-year income option 60% interest - bi annually payments

• 4-year growth option 68% paid end of term plus capita

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📊 Key facts

• Capital automatically returned  at the end of the term

• Trusted, Award Winning Developer

• ​All returns successfully paid out to investors on time during the Covid-19 Pandemic on HJ 1,2 and 3

• ​Asset-backed security via a debenture against all the properties

• ​Security Trustee acting on behalf of investors

• ​No fees or hidden charges, no Stamp Duty

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HIGH-NET WORTH INDIVIDUAL OR SOPHISTICATED INVESTORS ONLY

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