Investors are urged to seek independent professional advice when considering an investment. The investment is high risk and you could lose all of your money. You cannot claim FSCS compensation if your original investment or returns are lost. Refer to our Risk Warning for more information.

Key risks

introduction

Linus Capital Ltd or any related entity does not make investment recommendations and no communication, through this website or in any other medium should be construed as a recommendation for any security offered on or off this investment platform. Alternative investments in real estate via feeder funds in particular, are speculative and involve a high degree of risk and those investors who cannot afford to lose their entire investment should not invest. Prospective investors should carefully consider the risk warnings and disclosures for the respective fund or investment vehicle set out therein.

The value of an investment may go down as well as up and investors may not get back their money originally invested. Past performance is not necessarily a guide to future performance. An investment in a fund or investment vehicle is not the same as a deposit with a banking institution. Investments into investment products (Bonds, AIFs, etc) introduced to by LINUS Capital Ltd are non-readily realisable and non-transferable. Prospective Investors are strongly advised to seek independent financial advice from an authorised person who specialises in advising on non-readily realisable securities. Tax treatment is dependent on Investor circumstances and these are subject to change. Investors are advised to seek appropriate tax advice to clarify their position.

loss of capital

All kinds of investments referred to on this website carry out high risks of a loss of part or all the capital invested. The value of assets has the potential to decrease as well as increase and they can potentially be affected by a variety of variables, for example changes in interest rates. An investor might not get back the amount they originally invested. An investor might not receive any income distributions, an example being dividends. Illiquidity of these investments means that it might not be possible to sell the investments immediately or without significant loss in value, and longer term investment horizons are typically involved. All investment opportunities available via Linus Digital Finance are NOT regulated by the Financial Conduct Authority (FCA) and you may not have access to the Financial Services Compensation Scheme (FSCS).

future performance

Past performance is not a guide or guarantee to future performance, and predictions are not a reliable indication of potential future performances. Any projections of future performance are based on all information known at the time and are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from the expectations described in such prospective financial information. Any investment involves certain risks. Investors may not get back the full value of their investmentand in certain circumstances they could lose all of their investment.

The attention of prospective investors is drawn to the following: (i) the price, value or income of or from the investment may fall and you may get back less than you invested; (ii) no personal recommendation is being made to you; (iii) the investment referred to may not be suitable for your circumstances and if you have any doubts, you should seek advice from your personal advisors (as appropriate); (iv) investments may not be readily realisable or transferable and you may not beable to realise your investment at short notice.

illiquidity, diversification and exit

All investments available via Linus Digital Finance are complex, and non-readily realisable and you will be exposed to a high risk of losing part, or all capital invested. This means that investors should only invest a small proportion of their available investment capital in multiple asset classes as opposed to a large amount in one or a few, and should balance this with investments into safer, more liquid investments. If the business fails, the company is unlikely to be able to pay you back your investment. Each investment is a long-term commitment and you should only invest an amount that you are willing to lose.

market risks

The repayment of your investment relies on the sale or refinance value of the property. Any future downturn in the UK real estate selling prices could materially adversely affect the value of your security, the borrower's motivation to complete a development, and the borrower's ability to finance repayments due to you. Increases in market interest rates and price inflation may affect the re-sale value of the fixed rate investments adversely. The lack of clarity and general uncertainty regarding the UK's future relationship with the EU is likely to increase market volatility and may impact buyer and investor confidence in the UK property market. The outbreak of Covid-19 may impact the borrower's ability to complete the project or repay the loan on time.

tax

‍We do not provide tax advice and you should seek independent tax advice before deciding to invest. Changes in law (including tax rates) may affect the property, the Company and/or the investment structure in a manner which reduces the value of the underlying investment.

conclusion

These Key Risks are general and are not exhaustive. Each investment opportunity is subject to additional and specific risks described in its Investment Memorandum and should also be considered in light of those risks.