Suitability

Who this is for.

This page is for suitable private investors who want to understand how Aethos Homes uses documented private loan agreements to support Liverpool residential property projects.

  • Suitable for sophisticated or high-net-worth investors only
  • Designed for investors who want asset-level transparency
  • Not suitable for anyone needing instant access to capital
  • Not a regulated investment product
  • Capital is at risk
Current Structure

Current deal at a glance.

Structure12-month private loan agreement
Target return10% p.a.
Minimum position£10,000
Use of fundsNamed Liverpool residential property project
Repayment routeRefinance, sale, retained cash or agreed exit route
EligibilitySuitable private investors only

Full documents are provided before commitment. Capital is at risk and returns are not guaranteed. Target return is not a guaranteed return.

How It Works

How investor capital is used.

Step 01
We identify the asset
We underwrite the property around purchase price, condition, rental demand, refurbishment cost and likely refinance options.
Step 02
We commit our own capital
Our capital goes in first, covering acquisition, deposits, fees and early project costs where applicable.
Step 03
Investor capital supports the project
Private loan capital may then be used for agreed project costs, refinancing support or working capital linked to the named asset.
Protection

Security and repayment.

Each investor position is documented through a private loan agreement. Depending on the size and nature of the position, additional protections may be discussed, including a personal guarantee or asset-level restriction. Larger positions may be considered for stronger forms of security on a case-by-case basis.

  • Private loan agreement
  • Clear repayment term
  • Named borrower or SPV
  • Personal guarantee where applicable
  • Additional security considered for larger positions
Portfolio

The current portfolio.

24
Properties
£5.09m
Portfolio value
£437k
Annual gross rent
100%
Occupancy
Single let
16 residential homes let on long-term tenancies.
HMO
4 licensed houses in multiple occupation.
Short stay
4 managed short-stay units in Liverpool city centre.

Figures shown across the current Aethos Homes portfolio. Supporting documentation available during investor review.

Approach

Our investment discipline.

We prefer simple assets in locations we understand. The model is not based on speculation, off-plan stock or overseas opportunities. It is based on buying well, improving carefully and holding income-producing property over time.

Operating model
01
Acquire
02
Improve
03
Operate
04
Review
05
Refinance
  • Liverpool residential only
  • Long-term hold strategy
  • Cash-flow-led underwriting
  • Sensible leverage
  • Practical refurbishment
  • Asset-level review before investor capital is accepted
Case Study

59 Croxteth Road, Liverpool L8

A Victorian property being converted into seven self-contained flats for long-term rental. The project shows the Aethos model in practice: acquire carefully, improve properly, stabilise income, refinance sensibly and hold for the long term.

7
Self-contained flats
7.4%
Expected gross yield
£650k
Purchase price
£500k
Refurbishment
£1.15m
Total invested
£1.37m
Stabilised value
59 Croxteth Road aerial view
59 Croxteth Road living room after refurbishment
59 Croxteth Road kitchen after refurbishment
Operator Track Record

Joe and Katy Davies.

Before Aethos, we built and exited Host So Simple — a Liverpool short-stay management company operating more than 100 properties and employing a team of more than 50 people.

That background shapes how we operate: clear systems, practical property management and long-term relationships.

Today, we focus on acquiring, improving and holding Liverpool residential property for the long term.

Joe and Katy Davies, co-founders of Aethos Homes
Joe & Katy Davies · Co-founders, Aethos Homes · Est. 2019
Common Questions

What investors ask us.

Q · 01

Is this FCA regulated?

No. These are private loan agreements and are not FCA-regulated investment products. Investors should take their own legal, tax and financial advice.

Q · 02

Are returns guaranteed?

No. The target return is agreed in the loan documentation, but capital is at risk and returns are not guaranteed.

Q · 03

What security do I receive?

Each position is documented through a private loan agreement. Depending on the amount and structure, additional protections such as personal guarantees or restrictions may be discussed before commitment.

Q · 04

How is repayment made?

Repayment may come from refinancing, sale proceeds, retained cash or another agreed exit route set out in the loan documentation.

Q · 05

What do I receive before committing?

Investors receive the current deal overview, key asset information, proposed terms and draft documentation before any funds are accepted. We walk through the deal personally. There is no pressure and no deadline.

Capital Partner Enquiry

Ready to have a conversation?

If you would like to understand the current investor opportunity, request the deal overview and we will share the relevant asset-level information before any commitment.

After you reach out: a brief intro call, the current deal overview by email, the draft loan agreement for your solicitor, then a second call to answer any questions. From first email to signed agreement typically takes one to two weeks.

Current Deal — At a Glance
Minimum Investment£10,000
Term12 months
Return10% p.a. target
Asset FocusLiverpool Residential
Investor StatusSophisticated / HNW only
Request Deal Overview