Returns are contractual and paid in full at maturity. Zero setup, management or exit fees on any tier.
| FRAP 6-Month | Fixed 12-Month | Fixed 24-Month | |
|---|---|---|---|
| Return | 15% | 18% | 22% p.a. |
| Term | 6 months | 12 months | 24 months |
| Minimum allocation | £5,000 | £10,000 | £15,000 |
| Payment schedule | Capital + return at maturity | Capital + return at maturity | Annual coupon + capital at maturity |
| Setup & management fees | Zero | Zero | Zero |
| Early redemption | Not standard | Not standard | Not standard |
| Security | Salus Group property and operating-company asset base | ||
| Tax treatment | Paid gross; investor declares on UK self-assessment | ||
| Governing law | England & Wales | ||
A short-duration position for investors who want to test the structure with a contained commitment before scaling into a longer tier. Capital is deployed against the same Group asset base as the longer-duration products.
The most commonly placed tier. A full annual term against a single deployment, with capital and contractual return paid back in full on the maturity date.
A longer-horizon position with an interim coupon at the end of year one and the balance at maturity. Suits investors with a 24-month time-horizon and a preference for partial liquidity along the way.
For allocations above £150,000 we move away from the standard tier sheet. Term, coupon frequency and security wrap are agreed directly with the principal against a specific Group sub-portfolio.
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