The value of capital
6% to 15%+ P.A. · From EUR 10'000
No investor fee
Who Watson CP is for.
Anybody can invest with Watson Capital Partners, following a few mandatory checks to confirm your identity and financial situation. This ensures the law is fully respected, for your protection and ours.
Inflation and your savings.
Money in a bank account feels safe because the number never changes. What changes, however, is how much you can buy with it. Due to inflation, that balance is worth a little less every year, which is the cost of inaction.
Prices go up, the balance does not. Leave EUR 100'000 in an account for ten years and it is still EUR 100'000. If prices rise by 2% a year, the rate the European Central Bank aims for, the same money buys around a fifth less than it did at the start.
Savings rates have not kept up. A savings account pays whatever the bank chooses to pass on. Lock money away for a year and the euro area average was 2.03% in June 2026, against inflation of 2.9% the following month (ECB and Eurostat).
Savings, bonds and property loans compared.
Four common places to put your savings, side by side: when your money comes back, what protects it and what it earns.
| Property loan | Savings account | Fixed-rate bond | Premium Bonds (UK) | |
|---|---|---|---|---|
| Your money back | At the end of the case; no early withdrawal. | Any time, on most accounts. | At the end of its term. | Any time. |
| Protection | Secured against the property, with at most 75% of its value lent. | A state deposit guarantee, up to a limit per bank. | The bank's deposit guarantee, up to a limit. | Backed by the UK Treasury. |
| What you earn | A typical target interest of 6% to 15%+ a year. | A rate the bank sets, which can change at any time: 0.30% a year on average. | A fixed rate, 2.37% a year on average. | Prizes in monthly draws, at a 4.35% prize fund rate. |
| Term | 12 to 36 months. | None. | Usually 1 to 5 years. | None. |
| Minimum | EUR 10'000 a case, with no investor fee. | Usually none. | Set by the bank. | GBP 25. |
| Behind it | A real building or plot of land, often with a personal guarantee from the borrower as well. | The bank, and the deposit guarantee. | The bank, and the deposit guarantee. | The UK government. |
Averages: euro area household savings accounts and new fixed-term deposits, September 2026 (ECB). Premium Bonds prize fund rate from the September 2026 draw (NS&I).
Investing with Watson.
You are not betting on a share price. Every loan is secured against a real building or plot of land, and we invest at most 75% of its value, so a cushion remains if prices fall.
Nothing is automatic. We send you the full details of each project, and you decide, one at a time, whether it suits you. Pass as often as you like.
We put at least 5% of our own capital into every case, on the same terms as you. If a deal goes wrong, we lose alongside you, so we only bring you the cases we believe in.
Investors pay no fee, we are compensated by our borrowers instead. The interest a project pays is the interest you earn.
Watson AM is a Swiss firm that arranges secured real estate financing. Every project passes the same nine-step review before it reaches you.
Take part from EUR 10'000 a case, the kind of investing that was once open only to banks and large institutions, now open to you.
About investing.
What you earn, when your capital comes back, how it compares with a savings account, and where Watson AM stands. For anything we haven't covered, write to us.
What return can I expect?
Each case sets its own interest rate, stated in the case file before you commit, and the typical target interest is 6% to 15%+ a year, set per case. A higher rate usually reflects more risk in the project, so read the file with that in mind. Whatever the rate, every case has passed the same nine-step review and is secured against real property before it reaches you.
Can I withdraw my investment early?
No. Each case runs for a fixed term of 12 to 36 months, known before you commit. Interest is paid during the term and your capital is repaid at the end, when the project is sold or refinanced, so choose an amount you can leave invested for the whole term.
Does Watson AM invest its own money?
Yes, in every case. Watson AM puts at least 5% of its own capital into each project, on the same terms, the same security and the same ranking as you, so if a case does badly, we lose on the same basis you do.
Is this an alternative to a savings account?
It can be a place for savings you won't need for a while, but it works differently from a savings account, a fixed-rate bond or Premium Bonds (UK). Bank deposits and Premium Bonds carry state protection and, for most accounts, let you take money out when you like. Here your money is invested in a loan secured against property for a fixed term of 12 to 36 months, at a target interest set per case, and it carries the risk of the project. That is why every project passes the same nine-step review before it reaches you, is secured against real property with at most 75% of its value lent, and carries at least 5% of Watson AM's own capital on the same terms as yours.
How is investing in a property-backed loan different from buying property?
When you buy a property, your return depends on the rent and on what it's worth when you sell, and the upkeep is yours. With a property-backed loan you invest in a loan secured against someone else's building: you earn the interest set in the case file, the property stands behind the loan, and the developer does the work of building, letting or selling.