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Frequently Asked Questions
Everything you need to know before getting started.
Our friendly, expert team are always on hand to answer any questions you’ve got.
What is a Loan Note?
In the most basic sense, a loan note is simply an extended form of a generic I Owe You (IOU) document from one party to another. It enables a borrower to receive payments from a lender, usually with an interest rate attached. The Loan Note is scheduled to run over a set period of time and ends on the date at which the entire loan is to be repaid.
What are P2P loans?
P2P stands for Peer-to-peer lending, it is the practice of lending money to individuals or businesses. P2P lending has become popular in recent years as a way for savers to earn more interest than they can from low-interest cash accounts.
What is a green energy investment?
An increased focus around the globe on cutting Co2 emissions and the availability of government subsidies means that the industry around renewable energy is scaling up rapidly. This growth, in both the private and public sector, is creating investment opportunities for environmentally focused investors as well as those looking for a future proof investment.
What is a gold investment?
Gold investment involves allocating capital into gold to preserve wealth, hedge against inflation, and diversify a portfolio. Investors can choose physical forms like bullion bars and coins, or financial instruments such as exchange-traded funds (ETFs), futures contracts, and shares in gold mining companies.
Gold is renowned for its stability during economic turbulence, often serving as a “safe haven” asset. In 2025, amid global economic uncertainties gold prices surged over 60%, reaching a record high of about $4,500 (£3,320) per ounce.
How do fixed-term investment opportunities work?
Fixed-term investment opportunities allow you to invest a set amount for a defined period (such as 6, 12, or 24 months) at a pre-agreed return. Your funds are committed for the full term, meaning they’re typically not accessible until maturity, but in return you know exactly what you’ll earn from the start. At the end of the term, you receive your original investment plus the agreed return, making fixed-term opportunities ideal for investors seeking clarity, predictability, and a defined timeframe.
All investment opportunities introduced through Clifford Morton are intended solely for high-net-worth individuals and sophisticated investors as defined under the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005. These opportunities are not suitable for retail investors.
While many of the products we introduce offer fixed returns and have a track record of performance, all investments carry risk. Returns are not guaranteed, and capital is at risk. You should only invest what you can afford to lose and consider seeking independent financial advice before making any commitments.
Clifford Morton undertakes due diligence on providers and opportunities before making an introduction, but we do not provide recommendations or assessments of suitability for individual investors.
By engaging with our services, you confirm that you understand the nature of unregulated investments and accept the associated risks.
