Property investment with proven track record

We work with a carefully selected network of private investors to fund property acquisitions and refurbishments across Liverpool. Fixed returns, clear terms, and a legal agreement from day one.

Start a conversation See how it works
£750k+
Capital & interest returned to our investors
20+
Loan agreements fully completed and repaid since 2022
8%
Typical annual return
12m
Typical investment period - 1 year

We're committed to making sure every one of our investors is rewarded for putting their trust in us.
That's why more than half our investors ask to reinvest at the end of their term.

The investment journey

Two opportunities to invest — one path to get there

All our investors start with a simple Fixed Loan Investment. It's the right foundation: clear terms, defined returns, and a chance for both parties to understand how we work together. From there, some investors go on to joint venture with us — but only once that relationship is established.

Angel Investment

Fixed Loan Investment

You provide capital for a fixed term. We pay a fixed rate of interest and repay the full principal and interest at the end. No ongoing decisions for you to make — we handle everything. No hassle. No drama.

  • Typical return 8% per annum
  • Typical term 12 months
  • Minimum investment £50,000
  • Legal protection Formal loan agreement with personal guarantee

In some circumstances we can accommodate specific term requirements or offer different rates.

Joint Venture

Equity Investment

This option is only for established Phoenix Living investors looking to explore part-owning property assets with us. In this model, rental income profits and capital growth are shared equally.

  • Ownership structure 50:50 within SPV
  • Your return Share of rental income + capital growth
  • Management Fully managed by Phoenix Living
  • Minimum investment Discussed per deal
  • Eligibility Previous loan agreement and all regulatory compliance processes completed

JV opportunities are only discussed with investors we already have a lending relationship with and after compliance with strict financial regulation protocols. It's how we ensure the right fit on both sides.

Why do we structure it this way? Fixed Loan Investment is the right starting point for both parties — it gives you a clear, defined return with no surprises, and it gives us the opportunity to build a relationship before taking on a long-term co-ownership arrangement. Investors who go on to JV with us do so having already seen how we operate.
How it works

From first conversation to repayment

For Fixed Loan Investments, here's exactly what to expect from start to finish.

01

Initial conversation

We talk through what you're looking to achieve — your timeline, how much you're looking to loan, and any specific requirements. No obligation, no pressure.

02

Alignment

Assuming we have a suitable project opportunity to use your capital, we'll share some examples of what we're working on - properties, timescales, refurbishments - just so you get a sense of where your money will be used.

03

Loan agreement

We provide our loan agreement (drawn up by solicitors) setting out the rate, term, repayment date, your rights, and our personal guarantees. You're encouraged to have your own legal review.

04

Capital deployed

Funds are transferred and your money goes to work. We'll keep you updated on progress throughout the term — you'll always know what's happening.

05

Countdown to repayment

At least one month ahead of the repayment date we'll be in touch to confirm the repayment process. At this stage some investors lock in another loan agreement if that works for all parties.

06

Loan completion

At the end of the agreed term we repay your principal in full, along with all rolled up interest.

Why Phoenix Living

What makes us different?

We run a deliberately selective investor network. That means personal relationships, complete transparency, and a track record you can verify because we've built a relationship with every investor.

Personal and transparent

We typically have no more than 8 active investors at any point. You deal directly with founders throughout — no account managers, no middlemen. You always know exactly where your capital is and what it's doing.

A track record of delivery

Since 2022 we have completed over 20 loan agreements and returned more than £750,000 to investors — on time and as agreed. A significant number of those investors have reinvested at the end of their term.

Trained and networked

Phoenix Living provides coaching services through New Era property training and is active across multiple property investment networks, so our investment decisions are grounded in current market data, professional training, and over a decade of hands-on property experience in Liverpool.

Professional standards

Phoenix Living is NRLA accredited and a member of the Property Redress Scheme - both of which require adherence to professional standards of management and conduct, providing peace of mind that we'll always run the business to the highest standards.

Accredited & affiliated with
What our investors say

In their own words

Interested in investing?

Get in touch and we'll arrange a call to walk you through current opportunities — no obligation, no pressure.

Phoenix Living Ltd is not FCA regulated and does not offer regulated financial products. Loan and joint venture investments of this type are unregulated and your capital is at risk. We strongly recommend that you take independent legal and financial advice before committing funds. Past performance is not a guarantee of future returns. This page does not constitute a financial promotion. Rates shown are indicative only and agreed individually per deal.