Investment Portfolio

 

The Barbican ISA is run by Northern Provident Investments, an ISA manager, and enables you to invest in the bond issued by Barbican Bond Co 1 Limited (part of The Barbican Group).

 
  • Barbican Group is one of the leading specialist care providers in the UK, delivering high quality care by enhancing individuality and ensuring dignity, respect, choice and privacy.
  • The specialist care sector in the UK provides support for adults and children with physical learning and mental disabilities and is currently worth over £10 billion.
  • Barbican Group currently supplies services to just under half of the UK’s 180 local authorities and operates 83 specialised healthcare properties.
  • The healthcare portfolio are all UK based property assets and the assets are valued in excess of £100 million.
  • All of the groups properties are monitored and accredited by the UK Government CQC (Care Quality Commission) in order to provide outstanding care to local authorities and service users.
  • Your IFISA investment will primarily go towards expanding the current portfolio, refurbishing existing homes to maximise efficiency and financing the Group.
  • The evaluation process in Barbican Group is complimented by the incorporation of
    both qualitative and quantitative analyses of environmental, social and corporate governance (ESG) criteria,  performance, practices and impacts.
 

What is Asset Backed?

Asset-backed lending refers to a form of lending that involves assets being used to provide security over an investment. This can be in the form of land, properties or inventory. The added security with asset-backed lending involves the potential for an asset to be taken by the borrower, with the help of a security trustee, as a form of repayment. With assets used as collateral, this is a major reason as to why firms may decide to invest through asset-backed lending. The potential terms of asset-based lending depend on the type and value of assets offered as security.

*The fact that the bond is asset-backed would not guarantee that all capital would be repaid. This also means that there is a liquidity risk and there is likely to be a delay in repaying your capital should you request it.

**Investment in bonds through an ISA is likely to be hard to transfer/sell and you should expect to hold the investment for the duration. You should review this before making any decision and read the risk section fully before proceeding any further.

In relation to bond investment with The Barbican Group, asset-backed means the bond which is invested in through your ISA is ultimately secured against what we believe will be steady revenue streams and properties. This will include the security it takes on from the sector of investments it is financing. Funds will be asset backed from day one, with the asset value increasing throughout investment. However, there is no guarantee that the security will be sufficient to repay bondholder capital and interest, it does not guarantee a return and Your Capital is at Risk.

 

What is Asset Backed?

Asset-­backed lending, as aforementioned works with the help of a security trustee. This can be any
entity whose job it is to ensure that all security interests are held for both parties. The security trustee guides the whole process, ensuring that all
interests are held. This does not mean a return for bond holders is guaranteed and security may be insufficient to repay the capital and interest
due from the bond.

With reference to Barbican the process starts with a customer being given a dedicated account manager, who guides the customer through the application phase and beyond. An investment is delivered through an ISA manager into Barbican Bond Co 1 Limited, which is the first series of mini-bond issued by a subsidiary of The Barbican Group. Upon three years the bond is due to mature and the initial investment, as well as a up to 21% return, is due to be delivered back to the customer’s account.

*A legal charge is what mortgage lenders use to give themselves security over a property when they issue a mortgage.

 

Why Choose Barbican?

Barbican have a careful project selection and only look to invest in industries and businesses that are sustainable and economical. As a result the majority of our investment focuses on healthcare, waste disposal and logistics.

Barbican have a highly experienced team with 128 years of combined success which gives us a unique ability to evaluate projects efficiently and minimise risk. However, please note that despite any previous experience past performance is not a reliable indicator of future results and it does not guarantee a return.

 

Key Risks and benefits

Please note that despite any previous experience past performance is not a reliable indicator of future results” to the ‘Experience’ section.

Loan Structure

Just ultimately make asset backed loans in diversified project portfolios to help to minimise associated investment risk. The fact that the bond is asset backed would not guarantee that all capital would be repaid. This also means that there is a liquidity risk and there is likely to be a delay in repaying your capital should you request it. Additionally there is no FSCS cover for bonds.

Experience

The team behind the Project Company is a highly experienced management team with a combined 128 years of success. *Despite any previous experience past performance is not a reliable indicator of future results.

Interest

You could receive up to 7% tax-free returns through the Innovative Finance ISA. Tax treatment depends on the individual circumstances of each investor and may be subject to change in future. However Your Capital is at Risk.

Invest Monthly

The potential to create an additional tax free monthly income through your Barbican ISA, by purchasing additional bonds at a minimum of £100 per month. There are no fees or additional charges and you can choose to increase or decrease the amount you invest per month. Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.

FIND OUT MORE

Please complete the below form and click 'Apply Now' to complete your online application. Alternatively, hit 'Request a callback' and one of our representatives will be in touch shortly.




By submitting my details I agree to the privacy policy and consent for Barbican to contact me via telephone, email and sms for marketing purposes.

Prior to submitting your details you must read all of the content on this site including all risk warnings.

YOUR CAPITAL IS AT RISK