Ingenious today announces the launch of IEP Apex, a simple and cost-effective solution for any financial advisers and their clients looking to maximise the wealth they pass onto their beneficiaries.  IEP Apex is designed to take a holistic approach to estate planning by providing a unique set of benefits as standard, including: 

We’ve been working with financial advisers to understand what they and their clients want from an estate planning service: capital protection, steady returns, immediate IHT effectiveness and low costs are their priorities. IEP Apex has been created as a new type of estate planning service to meet their needs, building on one of the top-performing and lowest-cost services in the sector to deliver what we believe is exceptional value for money.

Neil Forster

CEO at Ingenious

IEP Apex focuses on protecting capital via a lending strategy secured against high-quality assets with a low correlation to public markets. This strategy can reduce volatility in investment returns and aims to benefit from long-term growth ahead of inflation. 

IEP Apex makes things simple for financial advisers and their clients by providing complimentary insurance cover from day one to settle any IHT liability arising during the two-year business relief qualifying period as well as providing access to a complimentary care advisory service. 

While investment managers have historically always charged investors for insurance cover and peace of mind, Ingenious is proud to make both insurance cover and access to the care service available as standard, creating a new type of estate planning service.

About IEP Apex

IEP Apex will become the fifth service in the Ingenious Estate Planning family. All IEP services offer investors flexible access to their investment, subject to the terms of the investment agreement, as well as the benefits of the complimentary IEP Care Service. In June 2021, for the second year running, the services were ranked second most competitive in the market for cost over a five-year period, while the Private Real Estate strategy was also ranked number one for the second year running for overall return over a five-year period1.

Protecting the value of clients’ investments

IEP Apex operates an asset-backed lending strategy to reduce risk and protect investors’ capital while seeking to carefully deliver predictable long-term returns.  An investment in IEP Apex can be expected to have a low correlation to public markets, an important consideration for diversification of an investment portfolio.

Insuring against any liability to IHT

IEP Apex keeps things simple.  Investors achieve immediate peace of mind by no longer having to wait two years for their investment to qualify for business relief, or longer with other strategies. If an investor were to die during the two-year qualifying period, their liability to IHT is settled via the insurance cover, providing peace of mind from day one – why should an investor take the risk of waiting two years for business relief when they can achieve the same effect immediately, on day one?

From year three onwards, the investment should qualify automatically for business relief, meaning that the investor should face no charge to IHT at any point post investment.

Providing access to care planning

Investors automatically receive access to the complimentary IEP Care Service, an advisory service that enables them to plan both practically and financially for potential care needs before they become a reality. This feature also comes as standard as part of this new type of service.

Keeping costs low

Historically, investment managers have charged investors more money for additional services such as insurance cover and access to care advice.  With the new IEP Apex service, financial advisers and their clients no longer need to decide between tax effectiveness or cost as IEP Apex provides complimentary insurance cover and access to complimentary care advice as part of the service.

Confirming compliance with business relief regulations

Ingenious has many years’ experience establishing and monitoring business relief qualifying investments and to date every single investor has benefited from the business relief expected.  In addition to Ingenious’ ongoing monitoring, all of our IEP services further benefit from an independent annual review to provide comfort that the service remains business relief compliant.  Just another example of our unique service.

1Tax Efficient Review, June 2021.  IEP Private Real Estate has been ranked number 1 for two years running for total returns over a five-year period.

2Tax Efficient Review, June 2021.  The IEP services have been ranked number 2 for two years running for total cost over a five-year period.

Ingenious Real Estate is now focused on supporting more sustainable commercial and residential property schemes in the UK following the latest funding commitment from Shawbrook.

The London-based investment manager, part of the Ingenious Group, is aiming for net-zero developments to account for 25 per cent of its portfolio by December this year and has secured a new £35 million revolving credit facility from Shawbrook Bank to originate sustainable opportunities.

Founded in 2014, Ingenious Real Estate provides debt and equity capital to experienced, mid-market developers in the residential, commercial and mixed-use sectors. To date, its team has provided loans worth £500m and supported the completion of 2,400 units.

The firm recently provided a £19m loan to developer Citu to support the development of the Climate Innovation District (CID) in Leeds city centre – the UK’s first low carbon urban neighbourhood. More than 800 homes will be built in four phases using a timber-framed system designed to reduce carbon emissions at each stage of development.

Sustainability sits at the heart of our investment strategy and we want to support those innovative, cutting edge projects that will be vital in pushing the boundaries of sustainable development as we aim for net-zero.

The Leeds Climate Innovation District represents a landmark development project in the UK and this revolving credit facility from the Speciality Finance team at Shawbrook will enable us to support more such schemes, while driving further growth in our real estate development and bridging finance business.

Howard Sefton

Investment Director at Ingenious Real Estate

We share the same values as Ingenious in supporting ambitious developers to deliver innovative and sustainable schemes. This credit facility will provide Ingenious with the flexibility it needs to serve their clients’ complex funding needs.

We have a long-standing relationship with Ingenious and look forward to seeing the experienced team support more progressive schemes on the scale of the Leeds CID.

Luke Randell

Associate Director at Shawbrook Bank

Ingenious is today delighted to announce that Ingenious Real Estate Finance LLP has completed three new loans totalling £20 million to fund regional family homes in Felixstowe, Gateshead and Abberley, Worcester.

In Felixstowe, Ingenious Real Estate has agreed a development finance facility of £10.3m over 18 months with existing client Generator Group, to fund the development of 21 three and four bedroomed family homes and 10 one and two bedroomed flats. This latest agreement represents a  loan to gross development value (LTGDV) of 70%, linking in with earlier phases of an existing and proven project.   

In Gateshead, Ingenious Real Estate has agreed a development finance deal with The Morton Group Ltd to support the development of 17 family homes. The development features a mix of  three, four and five bedroomed properties in Street Gate. The facility of £4.6m has been agreed over 18 months for an LTGDV of 68%.

In Abberley, Ingenious Real Estate has agreed a development finance facility with a regular client, Piper Homes. This is the 4th deal between Ingenious and Piper Homes. The finance facility of £5m over 21 months has an LTGDV of 70%. The Abberley site, in the countryside between Worcester and Tenbury Wells will offer a range of 25 two, three, four and five bedroomed homes, including two bedroomed bungalows with excellent finishes throughout.

Sustainability sits at the heart of our investment strategy and we want to support those innovative, cutting edge projects that will be vital in pushing the boundaries of sustainable development as we aim for net-zero.

The Leeds Climate Innovation District represents a landmark development project in the UK and this revolving credit facility from the Speciality Finance team at Shawbrook will enable us to support more such schemes, while driving further growth in our real estate development and bridging finance business.

Howard Sefton

Investment Director at Ingenious Real Estate

We share the same values as Ingenious in supporting ambitious developers to deliver innovative and sustainable schemes. This credit facility will provide Ingenious with the flexibility it needs to serve their clients’ complex funding needs.

We have a long-standing relationship with Ingenious and look forward to seeing the experienced team support more progressive schemes on the scale of the Leeds CID.

Luke Randell

Associate Director at Shawbrook Bank

Formed in 2013, Ingenious Real Estate focuses on providing senior development and bridging finance to well-designed schemes in locations across the UK that have a proven demand. Typical loan terms are 18-30 months, and the team has since completed more than £590 million worth of transactions. The current portfolio balance is weighted towards residential, with the majority of Ingenious developments qualifying for Help to Buy.

In September 2020, Ingenious became the first alternative lender to become a member of the UK Green Building Council (UKGBC). As part of this membership, Ingenious is actively seeking to engage through training programmes, thought leadership and access to the latest research so that it helps drive sustainable standards within the sector.

In another challenging year, and with another record-breaking number of award entries, Ingenious has secured a spot as one of the finalists in the Best BR Investment Manager – Unlisted category of the 2021 Growth Investor Awards, hosted by Intelligent Partnership. Now in their seventh year, the Growth Investor Awards are a key event in the investment industry calendar. The awards celebrate the companies and individuals who go above and beyond to support the UK’s growing businesses, and in doing so create jobs, boost economic growth and support innovation.


About the award

Sponsored by Exact Libris, The Best BR Investment Manager – Unlisted award is open to leading investment managers specialising in non-Aim-based investments qualifying for Business Property Relief. Ingenious will compete for the award alongside seven other impressive finalists: Blackfinch Investments, Foresight Group, Octopus Investments, Puma Investments, Seneca Partners, TIME Investments & Triple Point.

This year the Growth Investor Awards are being brought back as a live and in-person black-tie awards ceremony at the prestigious London Hilton Park Lane. Taking place on the evening of Thursday November 4, 2021, the awards present an ideal opportunity to catch up with old contacts, make new ones, and acknowledge the ongoing excellence and resilience of the industry at one of the most important moments in its history.

Sustainability sits at the heart of our investment strategy and we want to support those innovative, cutting edge projects that will be vital in pushing the boundaries of sustainable development as we aim for net-zero.

The Leeds Climate Innovation District represents a landmark development project in the UK and this revolving credit facility from the Speciality Finance team at Shawbrook will enable us to support more such schemes, while driving further growth in our real estate development and bridging finance business.

Howard Sefton

Investment Director at Ingenious Real Estate

We share the same values as Ingenious in supporting ambitious developers to deliver innovative and sustainable schemes. This credit facility will provide Ingenious with the flexibility it needs to serve their clients’ complex funding needs.

We have a long-standing relationship with Ingenious and look forward to seeing the experienced team support more progressive schemes on the scale of the Leeds CID.

Luke Randell

Associate Director at Shawbrook Bank

Award submissions will now move to a second round of judging from an independent panel of judges. All scores are collated to determine the winner and runners-up, with all finalists receiving a tailored feedback and benchmarking report offering expert insight about areas for improvement.

For further information, please visit growthinvestorawards.com

BayWa r.e. continues its strong growth in the UK through the provision of Operation and Maintenance Services (O&M Services) for five solar farms totalling 22.37MW on behalf of its new client, Ingenious.

The delivery of BayWa r.e.’s expert O&M Services will look to optimise the Ingenious managed assets helping to increase production through enhanced utilisation of resources.

As an award-winning provider of O&M Services with four office locations across the UK and Ireland and growing staff numbers, BayWa r.e. has grown its solar portfolio to over 943 MW and continues to expand.

The signing of these agreements with Ingenious highlights our continued commitment to working in partnership with organisations committed to supporting the global energy transition to a low carbon environment.  With our continued investment and ambitious digitalisation strategy, we continue to provide further innovations to our clients.

Natasha Kumar

Managing Director, BayWa r.e. Operation Services Limited

Ingenious is a specialist investment manager, founded in 1998. The company supports the global energy transition to a low carbon environment through investment of debt and equity into projects and businesses that harness low carbon energy generation, resource efficiency, transport and communications technologies.

Our partnership with BayWa is an important element of our ambition to develop and invest in the infrastructure required to support a rapidly evolving world. Financing the development of clean energy assets and creating energy efficient solutions to power the UK’s future energy needs in a more sustainable manner has been a core focus of Ingenious Infrastructure since we began and we welcome this new partnership together.

Neil Forster

CEO of Ingenious

In the space of just seven days, education technology company Mindful Education has won two awards for its blended learning professional courses delivered in partnership with UK colleges.

The first award win came at the Learning Excellence Awards 2021 in the Design, Content Creation and Video category, with the judges commenting that:

“The calibre of entries was high; the diversity of entries was exciting; the breadth of companies submitting entries was inspiring”.

A week later, Mindful Education then took home Best Study Resource for their AAT Level 3 Advanced Diploma course at the annual PQ Magazine Awards, which recognise the very best learners, practitioners and providers in accountancy training.

Congratulations Mindful Education on taking the partnership concept to new heights. We know how hard you have been working to ensure AAT students can continue their journey. Offering the level 3 course, free of charge, to 144 colleges in the first lockdown and benefiting 3,000 students. Well done Mindful Education…an absolute worthy winner.

Graham Hambly

Editor of PQ magazine

Commenting on the two award wins, Mark Mckenna, Mindful Education’s founder and Managing Director said:

It’s wonderful to win both of these awards.

The education landscape has changed dramatically in response to the pandemic and it’s clear that the demand for high-quality blended learning solutions is growing rapidly, with both learners and employers wanting a combination of high-quality online learning and engaging face-to-face classes.

We take great care and pride in the quality of our course design, video content and technology, so it’s fantastic for our team to be doubly recognised. We’ll continue to focus on new ways for our courses and apprenticeships to meet the needs of learners and employers during 2021 and beyond.

Mark McKenna

Founder at Mindful Education

Mindful Education partners with more than 55 colleges across the UK to deliver media-rich professional courses in accounting, management, law and human resources, delivering learning to thousands of students.

Mindful Education has been named Edtech Company of the Year at the Global Business Tech Awards 2021 at a virtual awards ceremony held on 17 June.

Mindful Education had previously won this category at the UK Business Tech Awards in 2019, but this time faced tough competition from established international edtech company D2L – creators of the Brightspace online learning platform.

We are extremely impressed with this entry, which solves real user problems and improves real user journeys…The showreel was also brilliant. A standout winner!

Global Business Tech Awards 2021

This is the third award win in the space of just a few weeks for Mindful Education, following wins at the Learning Excellence Awards and PQ Awards.

We are delighted to be named EdTech Company of the Year! It is especially pleasing that the three awards we have won this year have each recognised different aspects of our work: Firstly, for our design and content creation; then the quality of our courses; and now for our overall impact for learners.

From speaking with colleges, teachers, learners and employers, the pandemic has focused attention on the quality of educational media, and how the digital, media and face-to-face elements of a course combine to deliver a brilliant learning experience. Our team works consistently on how best to blend these different elements across our products, services and partnerships, so it is wonderful to see that focus and dedication recognised.

Mark Mckenna

Founder and Managing Director

Mindful Education works in partnership with colleges, employers and training providers across the UK to deliver media-rich professional courses and apprenticeships in accounting, management, law and human resources. 

Visit Mindful Education

Ingenious is today delighted to announce that Ingenious Real Estate Finance LLP has completed two new loans totalling £12.8 million to fund new residential development projects in North Devon and the Cotswolds.

Westward Ho!, North Devon

Ingenious is providing funding for the development of 22 apartments to a joint venture between Indigo Capital Solutions and Blakesley Estates in the seaside town of Westward Ho!, North Devon. The facility is £5.3 million over a 22-month term, with a Loan-to-Gross-Development-Value (LTGDV) of 69%. The apartments will benefit from sea views and be completed to a high specification.

In addition, Ingenious has partnered with established new homes builder, Piper Homes, to finance a £7.5 million loan for 26 family homes (four flats and 22 houses) in the village of Upper Rissington in the Cotswolds. The loan term is 21 months with a LTGDV of 70%. The new homes will be ideally situated just a short walk from the outstanding Rissington Primary School as well as local amenities. This will be the third project on which Ingenious has partnered with Piper Homes.

Tom Brown, Managing Director of Real Estate at Ingenious, commented: “We’re really pleased to be able to support these two projects in Devon and the Cotswolds. This represents the third time we have worked with Piper Homes and we’re delighted to be working with them again on this exciting new development.”

Upper Rissington, Cotswolds
As the economy continues to reopen and recover, we are determined to source, fund and commit to high quality developments across the UK and continue to seek further, similar development opportunities. We are cautiously optimistic about the prospects for the real estate sector, particularly the continued demand for residential property, and we remain committed to providing flexible, cost effective financing solutions for our clients.

Formed in 2013, Ingenious Real Estate focuses on providing senior development and bridging finance to well-designed schemes in locations across the UK that have a proven demand. Typical loan terms are 18-30 months, and the team has since completed more than £480 million worth of transactions. The current portfolio balance is weighted towards residential, with the majority of Ingenious developments qualifying for Help to Buy.

In September 2020, Ingenious became the first alternative lender to become a member of the UK Green Building Council (UKGBC). As part of this membership, Ingenious is actively seeking to engage through training programmes, thought leadership and access to the latest research so that it helps drive sustainable standards within the sector.


Ingenious announces that Ingenious Real Estate Finance has secured a £25m revolving credit facility from Shawbrook Bank, the specialist UK savings and lending bank, to support the growth of its development and bridging loan portfolio.

The wider Ingenious Group was founded in 1998 and is one of the UK’s leading private alternative investors, having managed the deployment of over £9bn across the real estate, infrastructure, media and education sectors.

Ingenious Real Estate Finance is focused on mid-market stretched senior and bridging finance on residential and commercial development projects located primarily in London, the South East and other major regional centres of England and Wales and their commuter belts.

The growth of Ingenious Real Estate Finance’s development and bridging finance portfolio is being supported by Shawbrook Bank’s Specialist Wholesale team. Shawbrook has provided a bespoke facility to meet specific funding requirements.

Howard Sefton, Investment Director at Ingenious, said: “Ingenious Real Estate Finance is delighted to announce this new key strategic partnership with Shawbrook Bank. The new term revolving credit facility will assist in funding further growth in our real estate backed development and bridge finance business in 2021 and beyond.”

Stuart Mogg, Corporate Finance Director at EY, said: “We are delighted to have supported the team at Ingenious on such an important capital raise. It has been a pleasure working with Tom, Howard and Wensde along with the rest of the Ingenious team. We look forward to working with them again in the future.

“Executing the deal under remote working conditions demonstrates our flexible approach and ability to adapt to a complex situation and help support our clients. I would also like the thank the teams at Shawbrook, Travers Smith and Ashurst for adapting their approaches during this challenging time.”

Warren Mutch, Structured Finance Senior Director at Shawbrook Bank, said: “Ingenious Real Estate Finance is a well-established lender that is expanding its footprint in the development finance market. We have been very impressed with their offering and management team and look forward to working with them. Equally, we continue to enjoy a strong relationship with EY’s Debt Advisory team as a regular introducer of funding opportunities and we are pleased to get 2021 off to a strong start with them.”

Accenture (NYSE: ACN), the global professional services company, has today made a strategic investment in Reactive Technologies, an Ingenious-backed company since 2018, that provides power and grid technology to help utilities accelerate the transition to low-carbon energy.

Reactive Technologies implements innovative technology solutions to address the energy industry’s greatest challenges. The firm offers unique measurement and analytics services for grid operators, an energy optimisation platform for corporates and an Enhanced Power Purchase Agreement for renewable generators. Reactive Technologies’ innovative services enable corporates, renewable energy generators and grid operators to actively mitigate rising energy costs, optimise their renewable assets in a non-subsidy environment and gain unprecedented real-time grid visibility, allowing for faster and more cost-effective decision making.

Ingenious’ investment in Reactive Technologies in 2018 was the first for its highly active Infrastructure Ventures EIS Service, which  has recently fully deployed with seven subsequent investments in two years following the backing of Igloo Vision, Elmtronics, Shoreline, TeraView, 3D Repo, Winnow and Over-C.

Marc Borrett, CEO of Reactive Technologies, commented: “Through unique measurement technologies, the fundamental challenges of managing grid stability with ever increasing amounts of renewable energy being deployed can now be solved. Through GridMetrix®, critical grid parameters can be captured accurately and continuously for grid operators, transmission or distribution, national or regional. This will enable them to be properly equipped to better manage grid stability risks, save money, invest smarter, and integrate more renewable energy in the power system. Working with Accenture helps us to operate on a global basis with a local presence and support our offering with their full suite of technical and commercial delivery capabilities.”

Commenting on the investment, Neil Forster, CEO at Ingenious, said: “Today’s announcement clearly endorses our investment strategy. We have been delighted to support Reactive Technologies in providing world-leading innovation over the last two years. Reactive Technologies has developed and commercialised a number of compelling solutions for the evolving energy sector and has built a strong intellectual property portfolio. We remain focused on continuing to implement the necessary solutions required as we transition towards a lower carbon energy future.”

Stephanie Jamison, a senior managing director who leads Accenture’s utilities business, said: “As electricity production from wind and solar continues to grow, the share of variable renewables in the production mix is likely to present stability challenges for utilities to balance their grids. We believe Reactive Technologies’ innovative technology solutions can help improve critical decision making by moving from models to measurement. Coupled with Accenture’s experience in the utilities business, our Industry X business’ focus on grid-balancing expertise and our global reach, these services can accelerate the creation of the utility of the future. This type of collaboration is key to helping our clients achieve their sustainability and business goals.”

Reactive is now part of Accenture Ventures’ Project Spotlight, a deeply immersive engagement and investment program that targets emerging technology software businesses to help the Global 2000 embrace the power of change and fill strategic innovation gaps. Project Spotlight offers extensive access to Accenture’s deep domain of expertise and its enterprise clients, to harness human creativity and deliver on the promise of new technology. Through the program, Reactive Technologies will co-innovate with Accenture and its clients at its Innovation Hubs, Labs and Liquid Studios, working with subject matter experts to bring solutions to market more quickly and more effectively.

Reactive Technologies is the latest addition to the investment portfolio of Accenture Ventures, which is focused on investing in companies that create or apply disruptive enterprise technologies.