Faq

Our company is committed to full openness, honesty and transparency, providing all of the information our funding stakeholders need to know.

About Texmoore

Texmoore is a property development company, not a financial institution.  We have grown over the years and established a track record of success and are respected throughout the industry and with all of our joint venture partners.  We have a number of professional accreditations with globally and nationally recognised bodies such as the National Landlord’s Association, Residential Landlord’s Association, UK Governments Deposit Guarantee Scheme, UK Social Housing Ombudsman.  These accreditations require members to uphold a strong set of ethics and demand the highest level of integrity.

When stakeholders choose to invest money into a project their funds are transferred to an escrow wallet account that is provided by a regulated payments company which is one of the largest of its kind in Europe.  They do have strict due diligence so please bear with them, but they are there to protect client funds and ensure a smooth investment process.

Texmoore tries to provide its clients with a secure route to entering the property industry.  The company is established and has great experience and a long record of success.  It has particular competitive advantage within the niches that it focuses on and works with only leading experts in the field.  The company invests most of the required funds for projects from its own cash resources, so it has completely aligned interests with investors.

All fund transfers are via a third party regulated payments provider which places the monies into individual escrow accounts in the clients name.  The escrow provider that we use is one of the largest operating firms of its type and has an international presence.  We only use large, well established banking partners that are based in the UK.

All of our developments are secured against all of the underlying assets of the company, including property, rental incomes and cash.  We work alongside financial professionals that regularly supervise the internal audit and compliance team at Texmoore.  They continuously analyses and monitors asset values and company borrowings to ensure that the total company debt remains manageable and within guidelines.  It uses industry benchmarks to constantly verify the financial health of the business.  

In all, Texmoore takes every available step to ensure that projects develop in line with our forecast, that the future of the company is secure and that the business plan is robust through any downturn.

Every Texmoore stakeholder is introduced to an Investor Relations Manager (IRM) who will act as their main point of contact. They will explain the business, our history and plans for the future to you and provide information about live investment opportunities.  If you do not know who your client manager is then please get in touch via the website and we will get back to you as a priority.

Texmoore takes an innovative and exciting approach to real estate development.  It combines a highly analytical team with experts in construction to deliver high quality and affordable housing and commercial developments across the UK.  We offer institutions the chance to be part of our journey and offer a number of pioneering financial opportunities for entities to get involved and benefit from strong and stable returns whilst maintaining a keen focus on security of funds. 

Clients are able to take income flexibly to suit their personal circumstances and there are a number of options available to receive interest payments or allow them to accumulate and benefit from further compounding. 

We regularly meet developers and always carry out a thorough due diligence process on them and the projects we give the green light to. Only if a project passes our rigorous feasibility analysis do we present it to our community of investors, who can pick and choose the projects that most appeal to them.

We are always open to discussing current funding opportunities with suitable partners and would look for up to £2 million from any single entity. Once a stakeholder, they are always welcome to get in touch with the client relations team.  Many clients develop friendly professional relationships with our IR team over the years they are with us.

About being a Funding Stakeholder

The tax treatment of returns differs per project and is detailed in each investor presentation.

However, this information is provided for information purposes only. Investors remain fully responsible for their tax affairs. Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future.

Please note that Texmoore specialises in property development and we are not regulated to offer professional tax advice. If required, we recommend that you seek advice from a qualified accountant or tax advisor on this matter. 

Any money invested with Texmoore is held in a client account in accordance with regulatory rules.  Clients make payments to regulated escrow providers and we work alongside only the largest financial institutions.  There is an extensive process for onboarding clients due to the regulatory obligations.  This involves an identity check, and anti money laundering and counter terrorism checks.  Clients are also screened against global sanctions lists.

The short answer is ‘No’. Texmoore invests its own assets into developments and then raises debt finance for the rest.  The majority of this would come from a large lending institution such as a bank which is secured on our assets.  It is not a hedge fund or complicated legal set up. We are a straight forward British developer.

Stakeholders are allocated to an experienced Client Relations Manager who is always on hand as a point of contact.  They are regularly updated on the company progress and can feed back to you everything that we have been working on and our most recent accomplishments.  We encourage clients to build a relationship with their Client Manager as they are in a great position to offer information about upcoming projects and all the economic information that we gather together.

Texmoore opportunities are only open to a small niche of potential clients and we would generally look to raise funds from large institutions.  For further information please contact the Investor Relations Team who will be able to assist you.  

We are presented with dozens of proposals on a weekly basis.  However, Texmoore is extremely selective when choosing our investment opportunities, typically rejecting more than 90% of potential projects and only pursuing developments that offer the highest forecasted returns with the lowest, most manageable risk.

Our compliance team and analysts conduct rigorous due diligence on each property development, including scrutiny of everything from market conditions to the developer’s expertise and track record.  The analysis is then handed to our senior management team and each project passes through a number of different boards to assess its attractiveness.  Finally the green light is given to the proposals that offer the highest reward : lowest risk.

We only select a project when it fits our stringent quality criteria and we are confident that it will yield positive value.  This can mean that we go months without embarking on a new development and focus on the existing projects that are part completed. However, typically, we commence 1 or 2 new projects per month.

Each project has different projected costs, time frames and characteristics which means that the funding maybe slightly different.  However we usually adjust our borrowing levels so that in a typical project, over half the investment is funded by ourselves from our own accumulated profits, and the remainder is funded by senior debt lender such as a bank.  All parties would usually rank equally in this scenario.

Our developments vary greatly in the number of units constructed, the build complexity and many other circumstances.  Consequently each project has its own target timescale, but 90% have duration between 18 months and two years.

Texmoore is very consistent in the level of return is expects to generate from a typical development.  The rates of return that we offer are very generous to funding stakeholders because we generally do not market our investment securities via third parties.  We save on those hefty fees and pass on the extra return to our clients.  This means that our rates of return are usually in excess of our competition.   They do vary depending on the structure of investment that you choose and how you decide to receive your interest so please get in touch to work out an attractive offering to suit your needs.

Each project has different projected costs, time frames and characteristics which means that the funding maybe slightly different.  However we usually adjust our borrowing levels so that in a typical project, over half the investment is funded by ourselves from our own accumulated profits, a quarter is funded by senior debt lender such as a bank.  And, the remaining funding is from our funding stakeholders.  Everyone ranks equally in this scenario and our individual investors are just as much of a priority as the banks and our own interests.

Risk and securities

As with any investment there are potential risks. We are fortunate to operate in a relatively stable industry that is firmly placed in the British mindset as a safe investment.  We have experience in what we do, work only with established partners which have a strong track record of high performance and we plan meticulously for every eventuality.  During this extensive scenario planning and forecasting we typically consider risk factors such as cost overruns, time overrun, market risk and partner risk.  The company’s model incorporates various mechanisms to mitigate these risks including building in a large buffer to forecast budgets, hedging any exchange rate risk, and constantly evaluating market conditions and re-budgeting and reforecasting.  This has enabled us to succeed throughout turbulent economic times with a business model that leads to increased demand for student and social housing during economic downturns.

Texmoore incorporates significant buffers to budgets and constantly re-evaluates our forecasts to ensure that we have up to date and viable business plans.  This scrutiny and analysis is at the heart of everything we do.  It is why we have established a strong foothold in the industry and are highly profitable. 

Texmoore only engages in projects that it has full control over and maintains a strict level of monitoring over all operations.   It is therefore in a position to act quickly if a joint venture partner is showing signs of concern.  There are extensive financial penalties built into contracts, and the company has ultimate power to remove and substitute in alternative partners at short notice.  However, we have never had to do this as our firm only deals with reputable and capable partners.  We have often developed a track record of success on previous projects with many contractors and maintain very healthy relations.

This is a very interesting question and frequently posed by potential funding partners.  Firstly, we always state that every investment and business has a level of risk and this applied to the largest companies in the world and the most powerful governments.  As a successful business, we mitigate our business risk and build in alternative offerings that a robust during an economic downturn. 

Interestingly and beneficially, our expertise lies in student and social housing.  It is well known that during recessions or periods of stagnation in the economy, more young people defer entering the job market and turn to further and higher education.  They are usually able to claim maintenance student loans from the government and hope to gain qualifications to improve employability when the economy improves.  Overall, demand for student accommodation and our products go up in a recession.

Further, during times of economic crisis, many people in the country lose their jobs or suffer a drop in income.  They are frequently then unable to pay their mortgages or meet their rent demands and become in need of social housing from the Government or Housing Associations.  Hence, during this type of scenario, there is increase demand for the Texmoore social housing developments which specialise in social housing home of multiple occupancy. 

All payments from clients to the company are made through an FCA regulated third party escrow provider which is the market leader in the services it offers.  

Interestingly and beneficially, our expertise lies in student and social housing.  It is well known that during recessions or periods of stagnation in the economy, more young people defer entering the job market and turn to further and higher education.  They are usually able to claim maintenance student loans from the government and hope to gain qualifications to improve employability when the economy improves.  Overall, demand for student accommodation and our products go up in a recession.

Further, during times of economic crisis, many people in the country lose their jobs or suffer a drop in income.  They are frequently then unable to pay their mortgages or meet their rent demands and become in need of social housing from the Government or Housing Associations.  Hence, during this type of scenario, there is increase demand for the Texmoore social housing developments which specialise in social housing home of multiple occupancy. 

Combined with our experience and track record, we consider these security factors to be the most powerful that we can offer.

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This website is directed at and intended to be used only by those persons categorised as Self-Certified sophisticated investors and High Net Worth Individuals. The material on the website is for general information and should not be regarded as an offer or invitation to invest. Capital at risk. Only investors who qualify are eligible to invest. If you are unsure of your categorisation, please consult an independent financial adviser