Auto-Invest offers greater diversity as your investment is spread across multiple peer-to-peer loans secured against UK property and now you can invest tax-free via our IF ISA or SIPP.
*Legal charge secured against UK property, however property values can go down as well as up so your capital is at risk and rates are also not guaranteed. Withdrawals may be restricted due to illiquidity. Not covered by the Financial Services Compensation Scheme (FSCS). Please read our full risk warning.
5%CautiousTarget Rate (p.a.) |
6%BalancedTarget Rate (p.a.) |
7%BoldTarget Rate (p.a.) |
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|---|---|---|---|---|---|---|
| Tax Efficiency |
SIPP and ISA eligible |
SIPP and ISA eligible |
SIPP and ISA eligible |
|||
| Avg. Loan-to-value (LTV) in Bridging Loans or Loan to Gross Development Value (LTGDV) in Development Loans |
60% |
70% |
75% |
|||
| Maximum LTV or LTGDV |
65% |
75% |
80% |
|||
| Minimum Investment |
£1,000 |
£1,000 |
£1,000 |
|||
| Minimum Term |
12 months |
12 months |
12 months |
|||
| Notice For Withdrawal |
30 days |
30 days |
30 days |
|||
| Type of Loans |
Bridging and Development |
Bridging and Development |
Bridging and Development |
|||
| Diversification |
Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical |
Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical |
Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical |
|||
| Security |
Registered Legal Charges |
Registered Legal Charges |
Registered Legal Charges |
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| Location |
UK |
UK |
UK |
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| More Info | More Info | More Info |
Target Rate (p.a.)
Tax Efficiency
SIPP and ISA eligible
Avg. Loan-to-value (LTV) in Bridging Loans or Loan to Gross Development Value (LTGDV) in Development Loans
60%
Maximum LTV or LTGDV
65%
Minimum Investment
£1,000
Minimum Term
12 months
Notice For Withdrawal
30 days
(subject to normal market conditions and minimum term)
Type of Loans
Bridging and Development
Diversification
Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical
Security
Registered Legal Charges
Location
UK
Target Rate (p.a.)
Tax Efficiency
SIPP and ISA eligible
Avg. Loan-to-value (LTV) in Bridging Loans or Loan to Gross Development Value (LTGDV) in Development Loans
70%
Maximum LTV or LTGDV
75%
Minimum Investment
£1,000
Minimum Term
12 months
Notice For Withdrawal
30 days
(subject to normal market conditions and minimum term)
Type of Loans
Bridging and Development
Diversification
Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical
Security
Registered Legal Charges
Location
UK
Target Rate (p.a.)
Tax Efficiency
SIPP and ISA eligible
Avg. Loan-to-value (LTV) in Bridging Loans or Loan to Gross Development Value (LTGDV) in Development Loans
75%
Maximum LTV or LTGDV
80%
Minimum Investment
£1,000
Minimum Term
12 months
Notice For Withdrawal
30 days
(subject to normal market conditions and minimum term)
Type of Loans
Bridging and Development
Diversification
Diversified across all suitable Peer-to-Peer Bridging and Development loans fitting the product criteria, as far as practical
Security
Registered Legal Charges
Location
UK
Investors outside of the UK are welcome to invest in this product provided their country of residence allows investments of this nature. It is up to the investor to verify this. Please also note all interest is paid gross and it is the investor's obligation to pay any tax owed in the country they are tax resident in.
Diversifications is a sensible strategy to mitigate risk
Just give 30 days’ notice after min. term
(subject to normal market conditions)**
12 months on all products
Maximise your returns by investing through an IF-ISA, SIPP or SSAS
Interest is paid twice a year.
Roll up your interest to compound your returns.
Your money is working for you 365 days a year
No need to review each individual investment - just check your portfolio.
**In some cases it may not be possible to return all of your money until a loan is redeemed or new investment is received. If a loan is in default you will not be able to recover the part of your investment allocated to that loan until the borrower repays.
