What do I actually buy / invest in?

When you invest with BRXS Properties, you purchase notes that represent a loan to finance specific real estate. These notes provide you with three potential sources of return:

1. Fixed Annual Interest

• A predetermined interest rate that remains constant throughout the investment term
• Paid directly to your bank account on a quarterly basis
• Calculated based on the rental income generated by the underlying property

2. Loan Repayment at Term End

• The return of your initial investment amount at the end of the investment term
• Typically occurs when the property is sold or refinanced

3. Potential Bonus Interest

This additional return may come from two sources:

• Rental Surplus Bonus Interest: If rental income growth exceeds costs, creating surplus reserves
• Appreciation Surplus Bonus Interest: Your share of profits when the property is sold for more than its purchase price (after deducting costs)

It’s important to note that bonus interest is only distributed if sufficient free reserves exist and all financial obligations have been met. The fixed interest rate is determined at the time of purchase and remains consistent for each series of notes.

By investing in BRXS notes, you gain exposure to real estate returns without the responsibilities of direct property ownership, while maintaining a clear connection to the performance of specific properties.