Important Notice

This website is for eligible investors only

This website is published by St Christopher Capital Ltd, a company that arranges loan note finance in support of the residential development activities of St Christopher Homes Ltd. It is not directed at the general public.

Access is restricted to high-net-worth individuals and certified sophisticated investors only as defined under the Financial Services and Markets Act 2000 (Financial Promotions) Order 2005. Any investment involves risk. Independent financial advice should be sought before making any commitment.

Do you confirm you are a high-net-worth individual or certified sophisticated investor?

St Christopher Capital Ltd is not authorised or regulated by the FCA. Nothing on this site constitutes financial advice or a financial promotion.

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St Christopher Homes

Important: This website does not constitute a financial promotion or investment advice. It is intended solely for high-net-worth individuals and certified sophisticated investors. Capital is at risk. St Christopher Capital Ltd is not authorised or regulated by the FCA.

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For Qualified Investors

St Christopher Homes.
The Opportunity.

St Christopher Homes builds family homes across South East England. St Christopher Capital arranges structured, asset-backed opportunities for eligible investors in support of that development programme. This page outlines the nature of the opportunity. Full terms and documentation are provided only to investors who have confirmed their eligibility.

Important Notice: This page does not constitute a financial promotion, an offer to invest, or investment advice. It is published for information purposes only, directed solely at high-net-worth individuals and certified sophisticated investors. Full terms are discussed privately with eligible investors only. Capital is at risk. St Christopher Capital Ltd is not authorised or regulated by the FCA.

What We Arrange

A Secured, Fixed Income
Opportunity in Residential
Real Estate

St Christopher Homes builds family homes across South East England. St Christopher Capital arranges loan note opportunities backed by those development assets. Each opportunity is structured with defined terms, a fixed income return and a two-layer security structure. Full details are available to eligible investors on request.

The Nature of the Opportunity

St Christopher Homes develops residential property across South East England. St Christopher Capital arranges loan notes backed by those assets for eligible investors. These notes are interest-bearing instruments with defined terms, backed by a formal security structure over the assets of the relevant development Special Purpose Vehicle.

Interest is calculated at a fixed rate agreed at subscription and paid at defined intervals throughout the term. Capital is returned in full at maturity. Specific rates, terms and payment structures are not published on this website — they are provided exclusively to investors who have confirmed their eligibility and requested the full information memorandum.

A minimum subscription applies. The opportunity is available to high-net-worth individuals and certified sophisticated investors only.

Fixed Income

Interest is fixed at subscription. Returns are not linked to market performance. The rate, term and payment schedule are set out in the loan note instrument and are contractually binding.

Defined Terms

Notes are issued for a fixed term. At maturity, capital is returned in full. Terms are available across a range of durations to suit different investor requirements — discussed individually with eligible investors.

Full Documentation

The information memorandum, security documentation, loan note instrument and all legal terms are provided to eligible investors before any commitment is made. Independent legal and financial advice is strongly encouraged.

The Macro Context

Capital Put to Work
Where it is Needed Most

The backdrop for this opportunity is well-documented. A structural housing shortage. A committed Government programme. A market where demand persistently outstrips supply.

£2 trillion+

UK households currently hold over £2 trillion in cash deposits and savings accounts. A significant proportion earns returns that have consistently underperformed inflation — leaving substantial capital without a productive or growth-oriented deployment.

1.5 million

The UK Government has committed to delivering 1.5 million new homes by 2030 — the most ambitious national housing target in decades. Planning reform, accelerated development zones and incentivised developer activity are all supporting the pipeline.

South East

The South East of England has the most acute structural undersupply of housing in the UK. Demand from families, commuters and growing communities consistently outstrips available stock — supporting asset values and sales performance across the development cycle.

Secured

Every opportunity arranged by St Christopher Capital is backed by a formal security structure — debenture over the development SPV registered at Companies House, and an equity position held by St Christopher Capital on behalf of investors in each project.

St Christopher Homes development
The Developer

Backed by an Experienced
Development Partner

St Christopher Homes Ltd is the residential development company whose assets underpin each opportunity arranged by St Christopher Capital. It acquires land, secures planning consent and delivers high-quality family homes across Surrey, Kent and the South East.

St Christopher Homes operates a dual-tenure model — open market sale alongside the Government's shared ownership scheme. This creates two complementary revenue streams, both of which contribute to servicing investor obligations and repaying capital at maturity.

St Christopher Capital and St Christopher Homes are separate legal entities with common directors and are related companies.

View the Development Portfolio

Register Your Interest

Full terms, rates and documentation are available exclusively to eligible investors. Complete our short registration form and our investor relations team will be in touch to confirm your eligibility and provide the information memorandum.

Register Interest