Irish Pension Gap
Living longer, spending more.
Property Bridges is Ireland’s leading alternative lending platform. We connect investors with secured property-backed loans in the construction sector. As a regulated Crowdfunding Service Provider, we provide a transparent and technology-supported alternative to traditional property finance. Pension investors may participate once their pension trustee approves the investment.
Our credit assessment and monitoring processes support responsible lending. The regulated crowdfunding framework now allows a wider group of investors to access opportunities previously limited to institutional lenders.
Traditional lenders have reduced activity in parts of the property finance market. Digital platforms now provide an additional channel for investors and regulated lenders to support viable development projects with greater transparency.
Pension Types
If you have one of the five pension types listed below, you may be able to invest through Property Bridges. Funds are placed in secured property-backed loans with a maximum loan-to-value of 70%. These loans typically target returns of 6 to 9% per annum. Returns are not guaranteed and your capital is at risk. Investments are illiquid and must be held to maturity.
- Personal Retirement Savings Account (PRSA)
- Small Self-Administered Pension Scheme (SSAS)
- Personal Retirement Bond (PRB)
- Approved Minimum Retirement Fund (AMRF)
- Approved Retirement Fund (ARF)
Inflation will erode your pension pot
Savings rates have remained low for many years, which reduces the ability of long-term savings to keep pace with rising costs.
For individuals who rely on a fixed retirement income, inflation gradually reduces purchasing power over time. With annual inflation of around 2%, the real value of income declines each year, which can affect long-term financial planning.
Some investors choose to take a little more investment risk to help offset the impact of inflation on their pension savings. Property-backed loans typically target returns in the range of 7 to 9% per annum. However, pension investments in crowdfunded loans do not guarantee returns, are illiquid, and must be held to maturity.
Why Invest Your Pension in Property Bridges?
- Security – All loans are secured by a first legal charge over the development land.
- Target Returns – Loans typically target returns in the range of 6 to 9% per annum. Returns are not guaranteed.
- Loan Terms – Loan terms usually range from 3 – 24 months. Loans are illiquid and must be held to maturity.
- No Fees and Charges – Property Bridges does not charge a fee to pension investors.
What are the risks
- Although each loan is secured by a first legal charge, property values can rise or fall, and your capital is at risk.
- Returns are not guaranteed and depend on full repayment by the borrower.
- Delays can occur in property development, even with ongoing monitoring.
- Investments in crowdfunded loans are illiquid and cannot be accessed before maturity.
Management of risk is an essential part of our approach. Property development carries inherent risks, and these cannot be eliminated. We seek to manage them through due diligence on each project, conservative loan-to-value ratios, and regular monitoring throughout the loan term. These measures support responsible lending and transparency, but do not remove risk.
Risks Associated with Investments.
Investing through Property Bridges involves risk, including the risk of losing some or all of your capital. Investments are illiquid, cannot be withdrawn before maturity, and are not covered by the Deposit Guarantee Scheme or the Investor Compensation Scheme. Each loan is secured against property, but security does not guarantee repayment. Past performance and estimated returns are not reliable indicators of future results. Before investing, please read the Key Investment Information Sheet (KIIS) for each project and ensure you understand the associated risks. For information on how to make a complaint, please visit our Contact & Complaints page https://propertybridges.zenonsystems.com/contact.