As an investment firm, family office, financial advisor, mortgage planner, professional investor or asset manager, you are constantly looking for opportunities and investment products that match the asset objectives of your clients. Bliss Hypotheekadviseurs is the partner for those looking for an investment opportunity in the alternative investment category, where low risks, stable returns and the preservation of capital are paramount.
At Bliss, private parties and (institutional) investors provide commercial mortgages directly to the applicant. Always with first right of mortgage and with high-quality commercial real estate as collateral. You can invest at Bliss from 50,000 euros by providing a one-on-one financing to an entrepreneur for commercial property financing, project developer or real estate investor.
Invest in the one-on-one Financing
We mediate the financing applications on a daily basis based on the needs and wishes of the investors affiliated with Bliss. To guarantee the quality of our investor network, we would like to meet you personally. In this way we can connect the current range of investment opportunities to invest one-on-one in an applicant’s business mortgage with an investor as closely as possible. Our investors themselves choose the real estate they want to finance based on the investment opportunities and information memoranda that we offer exclusively at Bliss.
The benefits of one-on-one investing:
- 6.25% – 8.5% efficiency
- Safe investment with real estate as safe collateral
- First right of registered mortgage
- Stable returns, receive monthly interest
- The investment can be made liquid at any time
- Always fully administered and unburdened
Does one-on-one financing fit into your client’s portfolio? Contact us without obligation, we are happy to think along with you.
The security for investors at Bliss
First right of mortgage
Your wealthy relationship invests in business mortgages from entrepreneurs with the property as collateral. The first right of mortgage rests on your investment. This is used if the borrower is no longer able to meet its obligations. If it comes to foreclosure and recovery of the collateral, your loan amount will be the first to be repaid from the proceeds, even before the turn of the Tax and Customs Administration, for example.
Debtor signs in private
The entrepreneur always signs ‘in private’ when taking out the loan. Even if the financing takes place in the B.V. of the entrepreneur, the entrepreneur also signs. This gives extra security. Moreover, this shows a great involvement of the entrepreneur.
The debtor’s own contribution
Bliss asks debtors for a substantial part of their own contribution. We call this ‘skin in the game’. In this way the mortgage applicant himself participates in the financing of each loan. This is at least 20% for one-on-one financing. The higher the own contribution, the lower the loan compared to the value of the collateral (Loan-to-value or LTV), the more certainty that the loan amount can be repaid from the proceeds of the sale of the collateral.
Loan administration in professional hands
If the borrower does not pay the monthly interest and repayment, the payment will be taken over. In the event that the borrower goes bankrupt, the administrator can, in an extreme case, sell the property on behalf of the lender. The investor is always paid back from the proceeds.
Our investors
Our network of investors consists of successful entrepreneurs and wealthy families who want to invest their accumulated capital against an attractive return and a conservative risk profile. Our investors are often former entrepreneurs who have sold their company. The opportunity to help an entrepreneur or real estate investor move forward completes the circle and constitutes a social contribution for the investor.
Are you curious whether an investment in commercial mortgages will also help you achieve your clients’ asset objectives? Contact us, we are happy to think along with you.
