Mortgage portfolio VI

Fixed interest rate of 8% per annum and a variable interest rate of up to 1% per annum

With this proposition, you invest in a carefully composed mix of mortgages for residential and commercial real estate in the Netherlands and Germany. The intended term is 18 months, with a fixed interest rate of 8% per annum and a variable interest rate of up to 1% per annum. Through this proposition, you gain straightforward spread and diversification, thanks to the varied underlying real estate assets.

The portfolio will consist of mortgages on properties of a residential and commercial nature. This includes, among others, hotel real estate and larger residential complexes. The diversification across various assets with differing characteristics achieves a balanced risk diversification.

The loan is used to build up a diversified portfolio of commercial mortgages with appropriate securities, actively responding to opportunities within the current financing landscape. The final composition of the portfolio is set out in the Key Investment Information Sheet (KIIS).

The key characteristics of this proposition are as follows:

Targeted maximum total return of 9% per annum;
- Fixed interest rate of 8% per annum;
- Variable interest component of up to 1% per annum;
Intended term of 18 months;
Mortgage securities on let real estate;
Loan-to-value of up to a maximum of 85.2%;
Geographic spread;
Sector spread: residential and commercial real estate;
Exclusively existing buildings and ongoing mortgages;
Monthly payout of the fixed interest;
Upon repayment, the variable interest component is determined and paid out;
Interest-bearing immediately from deposit;
One-off brokerage/arrangement fee of 0.45%;
Investing is possible from €2,500.

Projected return

The graph below shows the cumulative return over the course of the term, based on the fixed interest rate of 8% per annum. In the example below, with an investment of €5,000, a total of €600 in fixed interest is paid out over the entire term of the proposition. The first and accrued interest is paid in the month following the closing of the proposition. Thereafter, you receive the fixed interest amount monthly in arrears.

At the end of the intended term, you will be repaid, and the variable interest component will be determined based on the realized pre-tax result of the portfolio. This is projected at a maximum of 1% per annum. The presented return forecast is based on expected market conditions and project planning. There is no guarantee that these results will actually be achieved.

Cumulative return during the funding period

Investment	€5,000
Fixed interest	8,0%
Estimated duration	18 months
Total return	€600.00

Crowdrealestate valuation

Crowdrealestate has assigned this investment a risk rating of B (Cautious). This assessment takes into account the higher targeted return, the diversification within the portfolio, and the mortgage securities with surplus value. Although the risks are partly mitigated, investing via crowdfunding always carries uncertainties, including the risk of losing (part of) your investment. Please consult the Key Investment Information Sheet (KIIS) for a detailed description of the risks; this document will be published shortly.

A

23 22 21

B

20 19 18

C

17 16 15

D

14 13 12

E

11 10 9

Mortgage right	Investors will receive the second-ranking mortgage right.	4 points
Loan-to-value	The average loan-to-value, based on the assumptions underlying this proposition, will amount to a maximum of 85.2%. The final ratio between the loan amount and the market value of the collateral is set out in the Key Investment Information Sheet (KIIS).	1 points
Match location with sector	The portfolio is built up from assets in sectors with stable rental demand, including commercial real estate and rental housing.	3 points
Occupation	The underlying assets are expected to be largely let at the time of inclusion in the portfolio. This aligns with sectors characterized by structural rental demand.	2 points
Project phase	The portfolio will consist exclusively of already-issued mortgages for predominantly existing projects (existing buildings).	3 points
Track record	The initiator has broad experience in structuring and securitizing mortgage portfolios.	3 points
Duration	The intended term is 18 months.	3 points
Total		19 points

Project description

The mortgage portfolio will consist of a broad spread of commercial mortgages on real estate assets in the Netherlands and Germany. It concerns both residential and commercial real estate owned by professional real estate parties. The exact composition of the portfolio, including information on the underlying assets, locations and securities, is set out in the Key Investment Information Sheet (KIIS).

Commercial mortgages are mortgage loans provided to companies or institutional real estate investors. These loans are used for various purposes, such as the acquisition, refinancing or redevelopment of real estate. This can relate to various types of assets, including rental housing, healthcare real estate, hotel real estate or other commercial functions.

Unlike most propositions on Crowdrealestate, where investment is made in one specific real estate project, this proposition provides access to a diversified portfolio of commercial mortgages. This means you indirectly participate in multiple financing transactions via carefully structured facilities. This setup offers automatic diversification across sectors and regions, as well as the potential for a higher total return.

The market for commercial mortgages in the Netherlands and Germany is supported by a solid legal framework, transparent security structures and a mature market. This makes it possible to place financing transactions in a structured and controlled manner.

Within this proposition, receivables (non-performing loans, NPLs) may also form part of the mortgage portfolio. NPLs are commercial receivables on which payments are temporarily not being made. In such cases, the underlying securities, such as mortgage registrations, can be enforced. Acquiring these rights below economic value can, with careful management, lead to attractive additional return opportunities, provided these receivables meet the conditions and security structure as established within this proposition.

Market description

The real estate markets in the Netherlands and Germany are characterized by a stable tenant base and well-developed legal and financial infrastructure.

In the Netherlands, the housing market is strong due to structural demand surpluses in the rental market, particularly in the free sector and healthcare real estate. Professional real estate investors operate within a transparent legal framework with standardized security structures, making commercial mortgage lending accessible and manageable.

In Germany, a large part of the housing market consists of rental housing, partly due to relatively low rents and a strong renting culture. The reliability of tenants and the regulated rental policy contribute to a predictable return on residential real estate.

Commercial real estate in both countries also offers attractive prospects for investors. Segments such as logistics, healthcare real estate and social real estate experience sustained demand. High-quality assets in good locations remain sought after, partly due to the transition towards sustainable housing.

These market conditions form a solid basis for providing commercial mortgages in the Netherlands and Germany. The expected spread across sectors, regions and types of real estate assets contributes to a balanced risk profile within this proposition.

End user

The loan is provided to Real Estate Securitization II B.V. for the purpose of building up a diversified portfolio of commercial mortgages. This portfolio comprises existing commercial mortgages selected on the basis of quality, security value and an appropriate loan-to-value ratio.

The initiator has decades of experience in the real estate market in the Netherlands and Germany, with in-depth expertise in both residential and commercial real estate across metropolitan regions, top-tier cities and secondary areas. The company specializes in the strategic provision of commercial mortgages and the acquisition of receivables within a structured legal and financial framework. This approach has resulted in a consistent track record of value creation and risk management.

Supplementary files

You can open the supplementary files below

Filename
EBi - Hypothekenportefeuille VI	Download

The crowdfunding services offered by Crowdrealestate are not covered by the deposit guarantee scheme. This means that investments you make through our platform are not protected by the statutory deposit guarantee scheme that applies to savings held with banks. Likewise, investors cannot claim compensation under the investor compensation scheme. Therefore, you run the risk of losing your entire investment without any right to compensation.

In line with European regulations, we advise non-experienced investors not to invest more than 10% of their freely investable assets in crowdfunding projects. This recommendation helps you to spread your financial risks and invest wisely. For more information about this guideline, please refer to the Key Investment Information Sheet (EBI).

As an investor, you have a statutory reflection period of four days after completing your investment. Within this period, you can withdraw your investment without giving any reason and without incurring any costs. This allows you to carefully reconsider your investment decision. Please contact Crowdrealestate if you wish to make use of this withdrawal period.