For Investors
One investor, one property, one legal charge.
At this stage, COWAN WINDSOR doesn't raise pooled capital. Each investment is a bilateral, secured arrangement against a single property: deliberately simple, and deliberately not a fund.
Investor
→
First Legal Charge
→
Property SPV
→
COWAN WINDSOR Ltd
Each property sits in its own single-purpose vehicle. The investor's capital is secured by a first legal charge over that property specifically, not a claim on COWAN WINDSOR generally, and not pooled with any other investor's money.
Indicative Structure
How a typical arrangement is shaped
- Structure
- One investor, one SPV, one property, one first legal charge
- Typical deal size
- £300,000 to £500,000, all-in
- Target return
- In the region of 8% p.a. (exact figure on request)
- Income priority
- Investor repaid first from net operating income, up to the target return
- Security
- First legal charge over the property
- Cash reserve
- Detail released on request
- Capital uplift on exit
- Detail released on request
- Hold period
- Approximately 5 years
Protections
What stands behind the return
Security sits ahead of COWAN WINDSOR's own position, not alongside it: a first legal charge over the property, independent valuations, a stabilisation reserve held as cash and never used to fund distributions, and COWAN WINDSOR's own return ranking behind the investor's throughout.