Max van Oostenrijk, from Pearl Capital, sees this development reflected in his conversations with private investors. "Many investors are looking for certainty in this uncertain market," he explains. "They are done with the unpredictability of the stock market, the hassle of renting, or the low interest rates at banks. So they choose real estate financing, but indirectly. With mortgage security, without the hassle of ownership."
Always 6 percent
Pearl Capital has grown into an important player at the intersection of real estate and asset management in recent years. Investors can participate from €100,000 and receive a fixed return of 6 percent per year. "No forecasts, no variable payouts, it is always six percent," emphasizes Van Oostenrijk. "That clarity appeals to investors, especially in a climate where everything seems to be shifting." More and more investors appreciate that combination of overview and simplicity in a market that is becoming increasingly complex on all fronts.
The formula is simple but effective: the invested capital of private and business investors is linked to short-term real estate loans (usually 12 to 18 months), with first mortgage rights and a conservative loan-to-value ratio. "The real estate serves as collateral," Van Oostenrijk explains. "We are first in line if something goes wrong. Moreover, we at Pearl Capital also invest in every loan ourselves. That keeps us sharp." Each financing is carefully screened and notarized, with security being paramount.
According to Van Oostenrijk, that sharpness is necessary. "We see an increasing flight from direct real estate ownership. Many private investors have exited after the introduction of the new rental policy or because making properties more sustainable simply became too much work. But the alternative, such as saving or index trackers, does not offer comparable certainty. Pearl Capital fills that gap with a model that links returns to peace of mind." That peace of mind is becoming increasingly important as many traditional asset structures are under pressure.
Trust in Pearl Capital grows
Due to this approach, the trust in Pearl Capital is growing. Many investors come through referrals or return after their first term. "We are transparent, communicate clearly, and have no hidden costs. No entry fee, no management fees, no exit costs. That sounds logical, but in our market, it is more the exception than the rule." This approach has led to a loyal group of investors who have now invested tens of millions through Pearl Capital.
However, it is not just about returns, Van Oostenrijk emphasizes. "Investors also want to know that risks have been carefully considered. That is why we work with an independent foundation that manages the mortgage rights, ensuring that even in the event of calamities, the securities remain guaranteed. Additionally, we always ask entrepreneurs to co-sign personally." This way, the interests are well anchored on all sides.
For now, it seems that Pearl Capital is far from finished. "As long as investors seek certainty, we remain relevant," concludes Van Oostenrijk. "We are not a hype. We are building a sustainable relationship with our investors, based on overview, returns, and mutual trust."
