06-05-2025
Cohort Capital launches residential bridging with £6.65m Prime London debut
Cohort Capital (“Cohort”), the UK-based specialist lender known for its speed, certainty, and tailored structures, has launched a new unregulated
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Since Cohort Capital’s inception 5 years ago
*for illustrative purposes only
£0.0bn
Loans Managed
0%
Average LTV
0.00%
Average ARR
£0m
Interest Returned
Our Focus
Cohort Invest facilitates short-term lending opportunities to professional investors (individuals with upwards of £250,000 liquidity), providing them with consistent and robust income.
Investors can select from a platform of loans that are secured through our affiliate Cohort Capital, against prime real estate throughout the UK. Each loan is underscored by a primary focus on capital preservation which is coupled with attractive returns that outperform traditional banking offerings.
Loans are selected and underwritten by Cohort Capital - a leading UK property lender with extensive experience in both real estate and debt. Cohort Invest understands that its investors have their own investment goals. Its platform offers customised investment programmes and a diverse range of products to meet individual priorities.
*representative examples of current loans
Liverpool Street, Birmingham
Return:10%
Loan:£1,250,000
Term:12 months
LTV:34%
Armley Road, Leeds
Return:9%
Loan:£1,699,837
Term:12 months
LTV:40%
Harpings Road, Hull
Return:8%
Loan:£1,235,000
Term:12 months
LTV:65%
The Fairway, Wembley
Return:9%
Loan:£547,500
Term:12 months
LTV:75%
Derby Street, London
Return:8%
Loan:£2,790,000
Term:24 months
LTV:60%
Charles Street, London
Return:9%
Loan:£10,560,000
Term:12 months
LTV:53.6%
Montpelier Street, London
Return:9%
Loan:£3,857,750
Term:24 months
LTV:65%
What we do
Prime Property
- £1m minimum valuation
- Highly desirable geographies across the UK
- A-cyclical buyers’ market
Short Term
- Bridging
- 12-24 month term
- Interest paid monthly
Secured*
- Senior-ranking positions
- 40-70% LTV range
- *Asset-backed through our affiliate Cohort Capital
Let’s talk
Have a question and would like to chat with one of our property specialists?
Send us a message here, we will be happy to assist!
Do you have a project that requires funding?
Pass us the details of your project and a member of the property lending team will come back to you shortly.
What do they think of us?
-Testimonials
At Cohort Invest, we believe that our clients' successes speak volumes about the impact of our services. Our testimonial section features genuine comments from diverse clients who have experienced firsthand the strategic benefits of partnering with us.
“I come from a property background, so it’s great to be able to see the types of properties I am lending my capital against. As Cohort Invest has a really slick and open platform which allows me to make my own decisions and self-select property loan opportunities, I have been reinvesting for some time now.”
Didier Tandy, Property Developer
Total invested - £4m over 4 years
Cohort Invest Latest News
02-12-2024
Cohort Capital refinances super prime London home valued at €205m
Specialist lender Cohort Capital has refinanced a private Middle Eastern bank on a super prime £175 mln (€205 mln) London mansion once described as the UK’s most expensive home.
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29-10-2024
From capital gains to inheritance tax, what the budget means for Britain’s wealthy
Ahead of Rachel Reeves' 30 October Budget, experts from the Spear's network share their insights on the impact of tax changes on UHNWs.
Read article
Frequently Asked Questions
Cohort Invest is part of the Cohort Capital Group, a specialist property lender. We make it easy for investors to participate in short-term, property-backed loans (also called “bridging loans”), without needing to manage the lending process yourself. Cohort Capital arranges and manages the loans — you simply fund them through Cohort Invest.
Cohort Capital originates secured property loans, and Cohort Invest opens up those deals to eligible investors via our online platform.
You choose which loans to fund. Once you’re in, Cohort Invest takes care of the rest — handling loan setup, borrower relationships, repayments, and interest distributions.
Security for each loan is held in trust, protecting your interest in case anything were to happen to the Cohort group. You receive monthly interest payments, and when the loan is repaid, your capital is returned.
Just register via our platform. You’ll need to complete a short suitability assessment and provide ID for KYC/AML checks.
Once approved and the legal documents are signed, you’ll be able to view and fund loan opportunities.
Yes — in most cases. We can’t accept US citizens or residents of sanctioned jurisdictions, but otherwise, you’re welcome.
Usually £250,000, though it may vary slightly by loan. If you’re funding in another currency, the equivalent amount will be converted to GBP.
Most loans run for 12 to 36 months. Your funds stay invested until the loan is repaid.
Only when we ask — usually just ahead of a loan completing. We’ll give you full instructions in good time.
Please remember to reference your client number on any transfer to avoid delays.
Before a loan completes, funds go into a secure escrow account, ring-fenced for your protection. These are held with regulated UK banks.
No charges for UK transfers. International banking fees may apply and are deducted from the total sent or received.
We’ll email opportunities to qualified investors from time to time. You can also check the platform directly. Not every deal is shared with every investor, so reach out if you’re actively looking.
Interest is typically paid monthly, about 5 business days after we receive it from the borrower. Capital is returned when the borrower repays the loan.
Upon receiving interest payments and the repayment of the borrowed capital, Cohort Invest then distributes these returns to the respective investors who contributed to financing a particular loan. The distribution of returns is proportional to each investor's contribution relative to the total loan amount, subject to fees and charges.
If a borrower defaults, Cohort Capital handles the recovery process. That could mean enforcing the loan security or restructuring terms. In rare cases, part or all of your capital may be at risk — but this is a last resort.
Not unless you agree to. That said, if a borrower defaults, we may ask you to contribute toward recovery costs (e.g. legal or receiver fees) in proportion to your investment. You can choose not to, but it may affect your share of any recovered amounts.
Each loan is secured against real estate — often with a first or second legal charge. Your share of that security is held on trust, so it’s protected even if Cohort were ever to go out of business.
Probably. If you’re UK-based, we’re usually required to withhold 20% tax on loans longer than 12 months. You’ll get a tax report to help with your returns. Tax treatment varies if you’re overseas — please speak to a tax adviser.
No — your investment is committed for the full loan term. There’s no option to sell or exit early.
No, Cohort Invest is not FCA-regulated. This means that:
• Your capital is not covered by the Financial Services Compensation Scheme (FSCS)
• You cannot refer complaints to the Financial Ombudsman Service
However, all investor protections are built into the legal structure of each loan. We also have independent legal opinions on our regulatory position available on request.
Every loan is different, so always read the term sheet carefully. Key risks include:
• The borrower may default
• Property values can fall
• Recovery may take time or return less than expected
• There’s no early exit
We don’t offer advice, so please speak to an adviser if you’re unsure.
Cohort Invest Ltd is a private limited company registered in England and Wales under company number 15024587 and is not authorised or regulated by the Financial Conduct Authority (‘FCA’). Cohort Invest loans are secured over property (“the security”) and the security is held on trust for you as investors. The loans that you make are not regulated by the FCA. Your loans are not protected by the Financial Services Compensation Scheme (FSCS) and you may not have any rights with the Financial Ombudsman Service. All of your capital and uncredited interest is at risk. Do not invest unless you’re prepared to lose all the money you invest. Past performance is not a reliable indicator of future results. If you are unsure about any of the information contained in this website then please read our FAQs and T&Cs. Tax treatment of any of the loans will depend on the individual circumstances of each lender and may be subject to change in the future. You are liable for your own tax and may wish to consult with a tax/legal adviser for specific advice.
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