Important Notice
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.
Every opportunity arranged by St Christopher Capital is backed by a two-layer security structure designed to give eligible investors a direct, enforceable economic interest in the underlying residential development assets.
The security provided to investors comprises two complementary elements — a formal registered charge over the development entity and a direct equity position held on behalf of investors in each project.
A debenture is registered over the relevant development Special Purpose Vehicle (SPV) at Companies House. A debenture creates a fixed and floating charge over all of the assets of the SPV — including the development land, any buildings under construction, planning consents, and contracted rights.
This is a formal legal instrument, publicly registered and enforceable. In the event of a default, the debenture gives the holder the right to appoint an administrator and take control of the SPV assets for the benefit of noteholders.
St Christopher Capital Ltd takes a direct equity stake in each development SPV. This equity position is held specifically on behalf of noteholders and represents their economic participation in the development project — including entitlement to a share of the realised value on exit.
This means eligible investors have two forms of economic exposure to the underlying project — the contractual income stream from the loan note and the equity participation through St Christopher Capital's shareholding in the SPV.
Important: Security is held over the assets of each development SPV. There is no independent security trustee. Security does not extend to the personal assets of any director. The value realised on enforcement may be less than the amount owed to investors. Full security documentation is provided to eligible investors as part of the information memorandum. Independent legal advice is strongly encouraged.
The debenture and equity position are held over the assets of development SPVs that own, develop and sell residential property across South East England.
Each SPV holds residential development land in the South East of England. Land is the primary tangible asset against which the debenture is secured — it has an independently assessed market value at the time of subscription.
Planning consent materially increases the value of development land. Secured consents for residential development form part of the assets covered by the debenture and contribute to the overall security position.
Completed homes sold on the open market and shared ownership income from retained equity generate the cash flows that service investor returns and repay principal at maturity. Both revenue streams form part of the economic value within the SPV.
The complete security documentation — including the debenture deed, SPV structure and equity arrangements — is provided to eligible investors as part of the information memorandum pack. Register your interest to receive full details.
Register Interest