Aerial view of tenanted homes in Meppel
Rust

Invest in rental homes with peace of mind

Rust is a loan on tenanted homes with a term of five to seven years. The interest is fixed and paid monthly from the rental income. Your loan is secured by a first mortgage on the homes.

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Interest
5% a year, paid monthly
Term
5 to 7 years
Security
1st mortgage
Purpose
Rental finance
From
€ 100,000
How Rust works

Your loan is secured by a first mortgage on tenanted homes

Together with the other lenders, you make a loan to the company that owns the homes. You are not buying a home or a share in a housing fund, and you do not have to deal with tenants, maintenance or vacancies.

A civil-law notary creates the first mortgage on the homes and registers it with the Land Registry (Kadaster). If the company does not meet its obligations, the foundation can have the homes sold and the lenders are paid from the proceeds. The rental income from the homes is also pledged to the lenders, so in that event the foundation can collect the rent directly.

Stichting Crowdfundersbelangen holds both the mortgage and the pledge on behalf of all the lenders, so you have a single point of contact. Woonstaete cannot replace the foundation without the lenders' consent.

How the security works The foundation
Aerial view of tenanted apartments in Den Helder
The source of your interest

Your interest is paid from the rent on the homes

The rent from the tenants pays your interest. The homes are affordable and compact, in the segment where demand is highest and vacancy is lowest. We deliver and invest in the homes, select the tenants and continue to let them ourselves.

  1. 1 Tenants pay their rent The tenants of the homes that are let when the loan starts pay their rent before the first of the month.
  2. 2 The company receives the rent From that rent, the company that owns the homes pays your interest and the cost of management and maintenance. Woonstaete takes great care over the quality and appearance of the homes to keep them let.
  3. 3 Your interest, paid monthly Your interest is fixed for the entire term. If you invest € 300,000, you receive € 1,250 a month. Over five years, that adds up to around € 75,000 in interest, and the loan amount is repaid at the end of the term. 5%a year
Living room and kitchen of an occupied apartment in Meppel

Why the rent is reliable

Where the housing shortage is greatestAffordable, compact homes for first-time renters and small households. For one project of 24 apartments, around a hundred people from all over the country applied within three days.
Homes we have delivered and invested inWe developed, delivered and invested in the homes ourselves, to the same quality standards as every earlier project. As a result, we know every detail of the homes that secure your loan.
Let and managed in-houseWe choose the tenants ourselves, both when the homes are first let and at every change of tenant, and we keep management and maintenance in our own hands.
A fixed amount, whatever the market doesYour interest is a fixed percentage of your loan and does not change when market conditions do.
Key terms

A Rust loan at a glance

The term and interest start date of your loan are set out in the project documents. The key terms include:

TermFive to seven years, at a fixed rate for the entire term.
RepaymentThe loan amount is repaid in a single payment at the end of the term.
CostsA one-off charge of 1% on top of the loan amount. There are no other costs.
Private or companyYou can invest as a private individual or through a company.
The loans side by side

Three loans, each with its own profile

Rust and Stabiel are loans on tenanted homes, secured by a first or a second mortgage. Opbouw runs during the construction period, secured by a second mortgage on the land.

Rust

5% interest a year

On tenanted homes, with a first mortgage. Interest paid monthly, term 5 to 7 years, from € 100,000.

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Stabiel

6.25% interest a year

On tenanted homes, with a second mortgage. Interest paid monthly, term 5 to 7 years, from € 100,000.

Read about Stabiel

Opbouw

8% interest a year

During the construction period, with a second mortgage on the land. Interest paid quarterly, term 12 to 18 months, from € 200,000.

Read about Opbouw

The offering shows which project your Rust loan belongs to.

View the offering
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Leave your email address and we will let you know as soon as a new project is ready for investment, with the interest rate, the term and the homes involved.

Next steps with Rust

Choose your next step

We would be glad to meet you for a personal conversation. You can already create an account in the portal. Investing is not possible yet; as soon as a project opens, your account will be ready and you will find all the documents there.

Get your account ready
5%a year

Create an account

Investing is not possible yet. As soon as a project opens, you can read the documents in the investor portal and sign online. Once your identity has been verified, you will receive the payment request.

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Talk to us first
Portrait of Vincent Sybrandy

A personal conversation

Vincent Sybrandy will take you through the loan, the security and the documents, with no obligation at all.

investeren@woonstaete.nl
+31 6 37 39 74 69

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Read first
The cover of the general Woonstaete brochure

The brochure

Rust, Stabiel and Opbouw side by side, the mortgage and the foundation, what we have delivered so far and how to invest.

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The cover of the general Woonstaete brochure
The general Woonstaete brochure The loans, the security and the people behind them. You will receive the brochure as soon as you have completed the form.
Title
Frequently asked questions

Four questions we often hear about Rust

Do I become a co-owner of the homes?

No. You make a loan to the company that owns the homes and become its creditor, with a first mortgage as security. Maintenance, vacancies and tenant matters are therefore our responsibility. Your interest is fixed, and you do not share in any change in the value of the homes.

How is the interest funded?

It is paid from the rent. The homes behind a Rust loan are already let when the loan starts, and the monthly rent pays the monthly interest. The interest is not paid from money put in by later lenders.

What happens if the company does not meet its obligations?

In that case, the mortgage entitles the foundation to have the homes sold and to pay the lenders from the proceeds. Some risk remains, and it is tied to homes in the Netherlands that you can visit. The security page explains how that process works.

Can I sell my loan or end it early?

No. The loan cannot be traded and runs until the end of the term. The Information Memorandum, which you can read in the portal, sets out what is and is not possible during the term.

All questions