HJ Collection Property Loan Note

Emerging Developments
7d
2 min read

🏗️ Overview

Issuer: HJ Collection (a UK-based property development group)Type: Property-backed loan note (bond) Min £10,000+ (increments of 1k).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.

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

➡️ Proven Developer➡️ Security: Asset-backed debenture on the properties, registered at the UK Land Registry➡️ Fees: “no fees or hidden charges”

🧩 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

✅ 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

📊 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.