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Our municipal investments are an easy way to add a low-risk option to your financial plans, and every pound invested will make a positive impact in the places you care about.

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H&F Green Investment

Key terms

These key terms summarise the main investment terms. Together with the loan conditions, they form part of the legal agreement that defines the terms of the investment.

Borrower

Hammersmith & Fulham Council

Use of funds

Urban greening projects and green energy

Interest rate

4.5%

Term period

5 years after the end of the initial interest period

Maturity date

31 July 2031

Capital repayment

Original investment repaid on maturity date

Offer open date

2 March 2026

Offer close date

3 September 2026

Minimum borrowing amount

£5.00

Maximum borrowing amount

£1.5 million

Initial interest period

This will start on the date the lender makes their investment and ends on 31 December 2026.

Interest periods

From 1 January to 30 June and 1 July to 31 December each year, starting from 1 January 2027.

Return structure

Semi-annual payments of Interest on the last day of each Interest Period. Capital is repaid as a lump sum on the Maturity Date.

Arrangement fee

1.20% of the total loan amount raised

This is the fee paid to Abundance in its role as Arranger. The interest rate above is quoted after fees.

Management fee

0.10% of the outstanding loan amount, per year

This is the fee paid to Abundance in its role as Agent. The interest rate above is quoted after fees.

Early repayment options

The Borrower has the option to make a full early repayment of the Loans by giving notice to Abundance. An early repayment fee equal to 12 months' Interest will apply.

Loan conditions

Together with the key terms, the loan conditions form the legal agreement that define the terms of the investment.

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See what you could earn

Enter an amount to see your regular interest payments and the total returned over the full investment term.

£
Interest rate
4.5%
Investment term
5 years

Total returned over term

£6,125

Capital repaid at maturity

£5,000

Total interest paid

£1,125

Regular interest payments

£112.50

Interest is paid 6-monthly in June and December.

How municipal investments work

Municipal investments are a simple, direct investment. You lend money to UK councils. In return you are paid regular fixed interest payments, and you help to finance essential projects to create a thriving future for our places.

1

Invest from £5

A low minimum investment, so it’s open to everyone

2

Finance real projects

Your money helps build thriving places for us all

3

Regular interest payments

Withdraw to spend or reinvest to grow your pot

How it works

Learn more about municipal investing

How councils have used the money
Councils we work with
ISA investing

Municipal investment marketplace

Our marketplace is where investors can buy and sell their existing investments. This gives sellers a way to access their money before the end of the investment term. It also allows buyers to diversify their portfolio with investments that are no longer open to new investors. Learn more in our help centre