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Fixed-term bonds are a type of investment where you lend your capital for a set period of time at a pre-agreed interest rate. At Smart Legals, our bonds are backed by UK property assets, providing an additional layer of security for your investment.
When you invest in a Smart Legals bond, your capital is deployed into carefully selected property projects across the UK. The returns are generated from the profits of these property developments, and your investment is protected by a legal charge over real property assets.
You choose the bond term and interest payment method that suits your needs — whether you prefer to receive interest quarterly for regular income, or at maturity for maximum compounded returns.
Select from our current bond offerings based on your preferred term length and interest rate.
Invest from as little as £1,000. Your capital is deployed into property-backed projects.
Receive your agreed interest rate either quarterly or on maturity of the bond term.
At the end of the term, your original capital is returned in full along with any remaining interest.
Choose from our range of fixed-term bonds, each backed by UK property assets and offering attractive returns.
4-Year Fixed Term
10.00%
On Maturity
7.75%
Quarterly
Secured 4-year unlisted corporate bond with quarterly income or rolled-up growth. Debenture secured. Capital repaid June 2029.
Projected Returns (39 Mo.)
A — 7.75% Quarterly
| Invest | Interest | Total |
|---|---|---|
| £10k | £2,518 | £12,518 |
| £20k | £5,037 | £25,037 |
B — 10% On Maturity
| Invest | Maturity | Profit |
|---|---|---|
| £10k | £13,630 | +£3,630 |
| £20k | £27,260 | +£7,260 |
2-Year Fixed Term
8.00%
On Maturity
6.75%
Quarterly
Secured 2-year unlisted corporate bond with quarterly income or rolled-up growth. Debenture secured. Capital repaid December 2027.
Projected Returns (22 Mo.)
A — 6.75% Quarterly
| Invest | Interest | Total |
|---|---|---|
| £10k | £1,237 | £11,237 |
| £20k | £2,475 | £22,475 |
B — 8% On Maturity
| Invest | Maturity | Profit |
|---|---|---|
| £10k | £11,467 | +£1,467 |
| £20k | £22,933 | +£2,933 |
Social Housing Structured Investment
11.50%
Fixed Annual Yield
Monthly
Income Paid
Social Housing Structured Investment. 11.5% fixed annual yield paid monthly. Secured by first legal charge over underlying properties. IFISA eligible.
Projected Returns (59 Mo.)
11.5% — Paid Monthly
| Invest | Annual | 5-Year |
|---|---|---|
| £10k | £1,150 | £5,750 |
| £20k | £2,300 | £11,500 |
| £100k | £11,500 | £57,500 |
Leveraged Property Investment
9.75%
Fixed Return
+40%
Capital Uplift
40% Capital Uplift at maturity
Leveraged property investment with 9.75% fixed return paid monthly plus 40% capital uplift at maturity. Secured by UK property assets.
Projected Returns (60 Mo.)
9.75% Monthly + 40% Capital Uplift
| Invest | Income | Uplift | Total |
|---|---|---|---|
| £20k | £9,750 | £8,000 | £37,750 |
| £50k | £24,375 | £20,000 | £94,375 |
| £100k | £48,750 | £40,000 | £188,750 |
Capital is at risk and returns are not guaranteed. Past performance is not a reliable indicator of future results. These investments are not covered by the FSCS.
Every Smart Legals bond comes with comprehensive security measures to protect your investment.
All bonds are secured by a legal charge over UK property assets held by an independent security trustee.
An independent, regulated security trustee holds the charge on behalf of all bondholders for added protection.
Investments are backed by tangible UK property assets, providing real asset security for your capital.
Full legal documentation including Information Memorandum provided before you invest, ensuring complete transparency.
Your interest rate is fixed at the time of investment, so you know exactly what to expect over the bond term.
Our bonds can be held within an Innovative Finance ISA, allowing you to earn tax-free returns on your investment.
Join hundreds of investors already earning attractive fixed returns with Smart Legals property-backed bonds.