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Frequently Asked Questions

All of the offerings on the platform are debt. We believe this creates the simplest and most efficient way for investors to understand the returns associated with each deal.
When you invest in a PEIN Loan Note offering, you are investing in a promissory note in which the investor receives a stated interest rate for a stated term that payment of loan between Lender (Investors) and the Borrower (PEIN). The Loan Note is a contract between the investor and PEIN. Although the investor does not own any equity in the property and name is not on the property title, the Loan Note Certificate gives the investor an interest—shared with the other investors who have funded the project—in the underlying property. The interest in the property is the right to receive interest distributions as well as the return of principal.
We like to think we are decent, straightforward honest people, but you don’t know us. And even if you did, that’s no guarantee. People thought they could trust banks, MMM, Planwell and Moneytree and look what happened there! But the fact is, our offerings are realistic as in real estate. We honestly believe in our investment products and are transparent in all our dealings, we urge you to look into our offering, as we look forward to a repeat of business with you and hope you will continue in building a partnership based on trust and strengthened by relationship.

So whilst it would be nice, and we hope you do trust us, we invite you to visit building sites physically to see how your money is working. We are as real as real estate.
Good question. It’s happened to investors and savers before when companies have folded and investor’s money has disappeared. And no doubt it will happen again with some unscrupulous companies. The reason we will never do that is we can’t – even if we were so minded (which, for the record, we are not). Our business models guarantees investors return and a very healthy returns for us.

We are real estate developers and we don’t believe in fast money schemes
Since our loans Notes are for short-term real estate development projects, they generally carry higher interest rates than Savings or Fixed products offered by Banks. Because each loan is unique, the interest rate is determined based on many factors. Most loans tend to carry an interest rate of 16-35% per annual.
Yes, it is entirely up to you.
Our service is not aimed at full time professional property investors. If you have the time, the knowledge, the expertise and the contacts, you may be able to find deals as good as the ones we offer, After all, it’s not rocket science.

Our investors are people who want a hands free investment, where they can relax, safe in the knowledge that trusted experts are looking after things for their mutual benefit. The benefits to our service are that you get a very good return on your money and need do nothing at all.
You can request a site visitation, by filling the site visit form on dashboard, on Saturday between the hours of 8am-9am or 12pm-1pm. You will also receive a fortnightly email update with information on all the projects as to their current status.
You are free to sell your loan Note to a third party at any time.
PEIN is structured as a cash flow positive business with no overhead and no debt whatsoever, but catastrophes can of course happen. In any event we have structured things so that if that did happen, it will not affect your investment or the returns as you are not investing in PEIN. Your investment is in a Real Estate Development Project that you borrowing to.

…but, seriously, there could be some unforeseen circumstances which could lead to some delays that you should be aware of.

For example, the property completion or sale could be delayed. If that happened, it’s clearly unfortunate, but not a disaster as delay is no denial. We always do have other properties and funds to cover any delay in a sale or completion.

The biggest risk is, therefore, if the housing market completely collapsed and the property value fell to less than we valued it. This is a possibility in cases of war, but we think it’s unlikely. We are buying and developing with a huge margin to absorb any difference at a time when prices are low and we are developing properties which are well below their current open market value. Prices would have to fall a long way to wipe out the profit margin.

In any event, if that did happen, the property would simply be rented out until the market recovered and you would still receive the fixed net return on your investment in the meantime.
Yes. We can accept investment from most other countries
We take our members' satisfaction very seriously. If for any reason you are unhappy about your experience with PEIN we would like to know why to ensure it never happens again. In this instance please send us an email to clearly stating the following:

o Your name, contact details (including telephone number) and your membership number if you have one
o A detailed explanation of the reason for your complaint
o An indication of how you would like your complaint resolved

A member of our team will then respond to you within 24 hours to attend to your complaint and seek a satisfactory resolution. OR call 09054444464.