Access. Insight. Opportunity.

We work with investors seeking consistent, carefully managed opportunities and borrowers who need a lender willing to consider the full picture.

Portico provides private lending and investment opportunities across the Turks and Caicos Islands

We work with borrowers who need a lender willing to consider the full picture, and with investors looking for access to a carefully managed portfolio of mortgages secured against property in Turks and Caicos.

The two sides of the business are closely connected. We lend selectively, because the decisions we make for borrowers also shape the fund we manage for investors.

Start with us

Straightforward lending and investment opportunities

Borrow

Sometimes a good opportunity does not fit neatly within a bank’s lending criteria. We look at the property, the reason for borrowing and the people behind it before deciding whether we can help.

Invest

The Portico Mortgage Fund gives investors access to a portfolio of first-charge mortgages secured against carefully selected property in Turks and Caicos. Before any loan enters the fund, we ask how well investors’ capital is protected.

Built around the market we know

We live and work in Turks and Caicos and have seen the property market change over many years. Our local knowledge informs the properties we are happy to lend against and the opportunities we choose to pass by.

We are also investors in the fund ourselves, so the same lending decisions that affect our clients’ capital affect our own.

Fund Size

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Mortgages

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Max LTV

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Lending Services

Construction finance

Building a home is challenging enough without having to fight for financing. A construction loan needs to work throughout the build, not simply look sensible at the outset. We consider how the project will be managed and how costs will be monitored, with a clear plan for what happens once the work is complete.

Bridge finance

Sometimes you need to move before longer-term finance is in place. Bridge finance gives you the time to complete a purchase, arrange a sale or put a bank facility in place. When time is short, we can act swiftly to meet our borrowers’ needs.

Refinancing

Many owners bought their property in Turks and Caicos with cash or with equity raised elsewhere. Refinancing can release some of the value now tied up in that property, whether you want to replace an existing facility or make the capital available for something else

Investment Services

First-charge security

The fund lends against first-charge mortgages secured on selected residential and commercial property in Turks and Caicos.

A portfolio of mortgages

Your investment is spread across a portfolio rather than tied to one mortgage so, if an individual loan runs into difficulty, the exposure is shared across the fund rather than falling on one investor alone.

Selective lending

We focus on marketable property and borrowers with meaningful equity of their own. Some opportunities are right for the fund and others are not. Taking the time to understand the difference is an important part of how we manage investors’ capital.