When the Numbers Stop Making Sense: An Investor's Experience
I am sharing my experience because people often ask me about my dealings with API Global UK Ltd, and I believe it is important to raise awareness so that other investors can carry out thorough due diligence before committing their money.
On 24 February 2025, I paid a £5,000 reservation fee for a property opportunity. In addition, I paid a 20% deposit through another associated party, as well as conveyancing fees, valuation costs, and other legal expenses. At the time, I felt confident about moving forward and trusted the information I had been provided.
However, after progressing the purchase, I experienced repeated delays and ongoing uncertainty. My understanding was that the transaction would move forward within a reasonable timeframe, yet months passed without completion.
During the process, I was informed of issues affecting the development, including a reported leak within what had been presented as a newly built property. The valuation process also took considerably longer than expected, and I experienced continued uncertainty regarding mortgage funding. As these issues accumulated, my confidence in the transaction steadily declined.
After seeking independent advice from brokers and lenders, I became increasingly concerned about the financial viability of the investment. Lender appetite appeared to be very limited, and the only lending option available to me involved significantly higher borrowing costs. When I carefully reviewed the figures, including mortgage payments, fees, and ongoing expenses, the numbers simply did not make financial sense.
To be fair, the matter was partially resolved, which is why I am giving 2 stars rather than 1. I was ultimately able to transfer my £5,000 reservation fee towards another property opportunity. Unfortunately, I then encountered further challenges, including additional lender concerns and borrowing costs that I considered difficult to justify financially.
At that point, I decided to walk away. There were simply too many red flags for me to ignore. While I accepted the loss of time, money, and effort already invested, I no longer felt comfortable proceeding.
What I found particularly disappointing was that communication became much harder once concerns were raised and I decided not to proceed. The overall experience was stressful, time-consuming, and costly. The impact was not only financial but also emotional, as months of effort ultimately led nowhere.
I am sharing this experience not out of bitterness, but in the hope that it helps other investors ask the right questions, seek independent advice, verify lender appetite early, and carefully review all documentation before committing funds.
If something doesn't feel right, trust your instincts and investigate further before spending another penny.
Sometimes the best investment decision is not the property you buy, but the one you choose not to buy when the numbers stop making sense.
Best,
SWENNO Invest Limited
10. mars 2026
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