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The Lofts

The Lofts, 51 Lodge Lane, Derby, DE13HB

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Property Type – Commercial 
Project – Create 3, 6 bed luxury student House of Multiple Occupation (HMO) flats, all with en-suite and parking 
Loan Required – £280,000
Minimum Investment Amount - £1,000
Term – 12 months (with possibility of early repayment) 
Interest Payable – 9% PA (before tax)
Payment Intervals – At end of loan term
Borrower Type – Experienced developer
Security – 1st charge 

IF ISA Applicable - Meaning you can invest using your ISA allowance or account, allowing for tax free returns
Loan to purchase price – 70%
Note Urban Sister have already purchased the property for £400,000 and have since been granted planning permission


"The USP:  
The Lofts will be, “New York Loft inspired living for Derby University Students who want a secure home to live in, right in the centre of where students want to live” We believe students will pay higher prices for something that looks beautiful in design." - Ruth Hobbs 

The existing property comprises a large detached early 1990’s building. The building is constructed of red brick with buff and black brick detailing and a hipped concrete tile roof over. The total plot area measures 0.05 hectares. The site is not covered by any specific designations, including conservation area, listed building, flood zone and lies outside of the Central Business District/City Centre area.  Previously an empty B1 Office Block in the heart of the student district in Derby, planning consent has been granted to change this into: 3 x 6 bed luxury Student HMO flats all with en suite's and parking. 

  • Planning permission granted
  • Opportunity to invest in a 'Learn Whilst Investing' HMO project
  • Offering a fixed return over a fixed period of time, secured on a first charge basis
  • Monthly progress webinars with a chance to ask any questions
  • Site visits (investors must have steel capped boots to attend site visits)
  • Instagram lives from site at key stages 


Ruth Hobbs, Operations Director

Ruth has bought property and traded them up since 1999 when she inherited her first property and got hooked.  She lives, eats and breaths property.

Her aim over the last few years was to break into the commercial conversion to residential sector, and to do this, she immersed herself into this field through training courses, manuals, podcasts, reading etc.  In the last 5 years she has purchased and developed 8 properties and a further 3 that she has retained and rented.

Gillian Hobbs, Financial Director

Gillian is a Prince 2 Practitioner Project Manager with over 20 years’ experience in Investment Banking and Asset Management.  Her area of expertise is Financial Crime Regulatory Compliance. 

After helping Ruth get the property business off the ground, Gillian now supports her  sister with validating project viability, monitoring spending to ensure constant cash-flow and helping drive company direction and vision.

The Lofts, 51 Lodge Lane, Derby, DE13HB