30 Day Access Peer To Peer Lending

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*Capital at risk and rates are not guaranteed. Please read our important information page and risk warning before investing.

Earn 4% p.a. - Access Your Money With 30 Days Notice*†

If you are keeping money to one side for a tax bill or want to invest short term with an attractive rate of interest and quick access to your funds, this peer to peer loan product could be right for you.

It works in a similar way to Auto-Invest in that funds will be diversified over several peer to peer loans (both bridging and development loans). But rather than keep that money invested for the length of the loan we would launch a crowdfunding campaign following completion of the loan so that the pool of money is recycled quickly, thus providing greater liquidity for investors.

There should be no need to wait for the repayment date or for properties to be sold as your money should be replaced quickly by crowdfunded money, although please note that this is not guaranteed.

You just need to provide notice and we will return your capital within 30 days.*†


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† Not guaranteed. This is not a type of savings account. 30 day access is dependent upon continued receipt of further crowdfunding money. If further sufficient funding is not received, your money will be tied in for the full terms of the loans and will be subject to the normal risks associated with peer to peer lending. May be restricted to £25,000 to any one investor in any 30-day period if we receive numerous simultaneous requests. Please read full T & Cs before investing.

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Investment Summary

Comparison Table

30 Day Access Auto-Invest 3 Year IF ISA
Purpose To provide a better rate of interest than a bank for those who are saving for a short-term goal and may need capital returning within 30 days notice To provide long term regular income and provide an opportunity to roll up and compound interest To provide long term investment vehicle to build your nest egg in a tax-free wrapper income including the opportunity to roll up and compound interest
Size of Fund Maximum of half THC’s average monthly fund raise Unlimited £20,000 maximum per year for new investment but transfers from existing cash or shares ISAs are unlimited
Interest Rate 4% 7% p.a. 7% p.a. tax free
Minimum Investment Period 1 month 12 months 3 years from end of ISA tax year
Minimum Investment Amount £5000 £1000 £1000
Top up minimum £1000 £1000 £1000
Notice period 30 days (subject to terms and conditions) 30 days (subject to terms and conditions) 3 months (subject to terms and conditions)
How are funds used To make all types of peer to peer loans including bridging loans and development finance loans in accordance with our underwriting processes To make all types of peer to peer loans including bridging loans and development finance loans in accordance with our underwriting processes To make all types of peer to peer loans including bridging loans and development finance loans in accordance with our underwriting processes
Diversification Likely to be spread only over 2-3 loans at most at any one time Diversified over wide number of loans Diversified over a wide number of loans
How funds are repaid By crowdfunding out the loan and returning capital to the 30 Day Access Product before the loan is due to be repaid By borrowers repaying the loans By borrowers repaying the loans
Liquidity By limiting the size of the fund to half our monthly average fund raise, we believe we should always be able to return investors capital when they give notice, however this is not guaranteed (see T & Cs). If part of your funds is invested in a loan that is in default that portion of your money cannot be returned until borrower repays Once money is invested it cannot be withdrawn until after the end of the Minimum Investment Term. If part of your funds is invested in a loan that is in default that portion of your money cannot be returned until the borrower repays
Restrictions on withdrawal May be restricted to £25,000 per investor in any one month if we have an unusually large number of requests simultaneously Can withdraw all capital provided no loans are in default. If loans are in default, then that portion of your money cannot be returned until borrower repays Can withdraw all capital provided no loans are in default. If loans are in default, then that portion of your money cannot be returned until borrower repays
Bad debt Possible, but significantly less risk as it is our intention always to crowdfund out the loans made from this pool of money rather than wait for repayment from borrowers. Only in the event we could not crowdfund out the funds would the repayment be dependent on the borrower repaying No investor capital has been lost to date, but it is possible. Risks are reduced by wide diversification across multiple loans. In the event of bad debt, THC will absorb 10% of any capital lost by the investor No investor capital has been lost to date, but it is possible. Risks are reduced by wide diversification across multiple loans. In the event of bad debt, THC will absorb 10% of any capital lost by the investor
Interest payable Interest is calculated daily and paid on April 30th/ Oct 30th each year. Interest due is pro-rated if sums are withdrawn Interest is calculated daily and paid on April 30th/ Oct 30th each year. Interest due is pro-rated if sums are withdrawn Interest is calculated daily and paid on April 30th/ Oct 30th each year. You can opt to roll up interest and keep it earning within the tax-free wrapper. Interest due is pro-rated if sums are withdrawn